Finest zero curiosity bank cards of 2021


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CNN Underscored critiques monetary merchandise comparable to bank cards and financial institution accounts based mostly on their general worth. We could obtain a fee by way of the LendingTree affiliate community should you apply and are accepted for a card, however our reporting is all the time impartial and goal. Phrases apply to American Categorical advantages and gives. Enrollment could also be required for choose American Categorical advantages and gives. Go to americanexpress.com to be taught extra.

At the same time as life returns to regular because of vaccines, the pandemic and financial downturn have carried out loads of injury to the funds of many Individuals. If you happen to’ve misplaced your job within the final 12 months and are having bother discovering sufficient cash to pay your very important bills, one momentary low-cost answer is to get a bank card with a 0% introductory rate of interest on purchases.

Some 0% curiosity bank cards include lengthy introductory durations, whereas others supply money again or journey rewards on the gadgets you purchase. However with so many choices, which card must you select? Our checklist of the most effective bank cards with zero curiosity on purchases can assist you determine which one most closely fits your wants in these difficult occasions.

U.S. Bank Visa® Platinum Card: 0% APR for 20 billing cycles (then 14.49%-24.49% variable)
Citi® Diamond Preferred® Card: 0% APR for 18 months (then 14.74%-24.74% variable)
Wells Fargo Platinum® Card: 0% APR for 18 months (then 16.49%-24.49% variable)
Blue Cash Everyday® Card from American Express: 0% APR for 15 months (then 13.99%-23.99% variable, see rates and fees)
Chase Freedom Unlimited: 0% APR for 15 months (then 14.99%-23.74% variable)
Citi Rewards+℠ Card: 0% APR for 15 months (then 13.49%-23.49% variable)
Capital One® SavorOne® Cash Rewards Credit Card: 0% APR for 15 months (then 15.49%-25.49% variable)

The data for the Wells Fargo Platinum card has been collected independently by CNN Underscored. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

CNN Underscored’s complete credit card methodology compares each side of bank cards that provide introductory APRs on purchases towards our “benchmark bank card” — the Citi® Double Cash Card — to find out which playing cards can doubtlessly deliver you most worth along with reducing your rate of interest. So dive into the small print of every card with us, and see how they stack up.

20 billing cycles on the introductory charge for each purchases and steadiness transfers

Why it’s nice in a single sentence: In case your prime precedence is to pay no curiosity on purchases for so long as doable, the U.S. Bank Visa Platinum Card gives a 0% APR on all purchases for the primary 20 billing cycles you will have the cardboard. (The APR rises to a variable 14.49% to 24.49% after the introductory interval ends.)

This card is correct for: Individuals who want a prolonged interval of paying no curiosity on their purchases and would love a card that covers their cellphone in case of injury.

Highlights:

  • 0% APR on all purchases for the primary 20 billing cycles (14.49% to 24.49% variable afterward).
  • 0% APR for 20 billing cycles on steadiness transfers made within the first 60 days after you open the cardboard (14.49% to 24.49% variable afterward).
  • Cellphone safety.
  • No annual charge.

Signal-up bonus: None.

What we like most concerning the U.S. Bank Visa Platinum: If you happen to want further time to pay your present payments, 20 billing cycles with out curiosity is phenomenal in comparison with different bank cards, and that lengthy runway allows a peace of thoughts that you would be able to climate a storm with out a looming rate of interest hike.

This card additionally pairs that nice introductory rate of interest on purchases with an an identical supply on steadiness transfers, as long as they’re made throughout the first 60 days after you open the cardboard. Which means with a excessive sufficient credit score restrict, you should utilize the U.S. Financial institution Visa Platinum to consolidate all of your debt if you should.

Ongoing cellphone safety can be an added perk on this card. While you pay your cellphone invoice with the U.S. Bank Visa Platinum, you’ll be lined for injury or theft to your cellphone as much as $600, with a $25 deductible, for as much as two claims per 12-month interval.

You'll be covered for up to $600 if your cell phone is damaged when you pay your bill with the U.S. Bank Visa Platinum.

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You will be lined for as much as $600 in case your cellphone is broken once you pay your invoice with the U.S. Financial institution Visa Platinum.

One factor that might be higher: The U.S. Bank Visa Platinum isn’t a long-term bank card. It doesn’t earn any rewards in any respect, doesn’t include a sign-up bonus and doesn’t have every other vital perks. It has no annual charge however expenses a 3% international transaction charge, so that you positively gained’t need to use it abroad.

In different phrases, its utility is restricted past the introductory charge interval, though you would possibly think about using it on an ongoing foundation to pay your cellphone invoice to get the included cellphone safety.

The place it beats our benchmark card: An introductory rate of interest on purchases, an extended interval of 20 billing cycles for no curiosity on introductory steadiness transfers and cellphone safety.

The place our benchmark card is best: The Citi Double Cash earns easy-to-redeem money again on all purchases and has an extended four-month interval to finish any introductory steadiness transfers.

Learn more and apply for the U.S. Bank Visa Platinum.

18-month introductory charge on each purchases and steadiness transfers

Why it’s nice in a single sentence: The Citi Diamond Preferred Card gives a formidable 18-month introductory APR interval on each purchases and steadiness transfers.

This card is correct for: Individuals who have giant balances on different bank cards and need to cut back their curiosity burden for so long as doable.

Highlights:

  • 0% APR on all purchases for the primary 18 months (14.74% to 24.74% variable afterward).
  • 0% APR for 18 months on steadiness transfers made within the first 4 months after you open the cardboard (14.74% to 24.74% variable afterward).
  • Steadiness switch charge of three% or $5, whichever is bigger.
  • No annual charge.

Signal-up bonus: None.

What we like most concerning the Citi Diamond Preferred: Step one to getting out of bank card debt is to cease bleeding curiosity. The Citi Diamond Preferred comes with a prolonged 18-month introductory interval, throughout which you’ll pay a 0% APR on any purchases, and in addition a 0% APR on any steadiness transfers made throughout the first 4 months you will have the cardboard.

However you’ll need to be sure you repay your complete debt throughout these 18 months, as a result of when that introductory interval ends, the APR will leap to a variable 14.74% to 24.74%, relying in your creditworthiness.

Associated: Pay off your debt faster with these balance transfer credit cards.

The Citi Diamond Most well-liked card additionally comes with a free FICO credit score on-line and permits you to select your cost due date, which is extraordinarily useful for individuals who pay their bank card payments round their paycheck schedule and want most flexibility.

You can choose a payment date that's convenient for you with the Citi Diamond Preferred Card.

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You possibly can select a cost date that is handy for you with the Citi Diamond Most well-liked Card.

One factor that might be higher: Past its alluring introductory charges, there’s no motive to maintain the Citi Diamond Preferred in your pockets for the long run. It doesn’t earn money again or rewards, and it imposes a 3% international transaction charge on worldwide purchases.

The place it beats our benchmark card: An introductory charge on purchases for 18 months.

The place our benchmark card is best: The Citi Double Cash earns easy-to-redeem money again on all purchases.

Learn more and apply for the Citi Diamond Preferred Card.

18-month introductory charge, plus journey protections

Why it’s nice in a single sentence: The Wells Fargo Platinum Card gives an 18-month introductory rate of interest interval on purchases and steadiness transfers in addition to cellphone safety, journey accident insurance coverage and an auto rental collision injury waiver.

This card is correct for: Individuals who want a protracted runway to repay upcoming purchases or transfers, but additionally need primary journey protections.

Highlights:

  • 0% APR on all purchases for the primary 18 months (16.49% to 24.49% variable afterward).
  • 0% APR for 18 months on steadiness transfers made within the first 120 days after you open the cardboard (16.49% to 24.49% variable afterward).
  • Cellphone safety.
  • Auto rental collision injury waiver.
  • Journey accident insurance coverage and emergency help providers.
  • No annual charge.

Signal-up bonus: None.

What we like most concerning the Wells Fargo Platinum: If you happen to’re searching for a bank card with primary journey protections that additionally gives a beneficiant introductory rate of interest interval on each purchases and steadiness transfers, the Wells Fargo Platinum card contains the one-two punch you’re in search of.

Whereas 18 months isn’t the longest doable introductory interval, it’s on the greater finish of the size, and because it applies to each purchases and steadiness transfers, you doubtlessly have the choice to consolidate all of your debt onto this one card in case your credit score restrict is excessive sufficient.

You’ll additionally get some commonplace journey protections with the Wells Fargo Platinum, together with auto rental collision protection, journey accident insurance coverage and roadside dispatch. Plus, should you pay your cellphone invoice with this card, your cellphone can be protected if it’s broken or stolen, as much as $600, with a $25 deductible, for as much as two claims per 12-month interval.

You'll have access to roadside assistance with the Wells Fargo Platinum Card.

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You will have entry to roadside help with the Wells Fargo Platinum Card.

One factor that might be higher: Past its introductory usefulness, there’s not a lot motive to maintain utilizing the Wells Fargo Platinum card for something past your cellphone invoice or journey expenses, as different bank cards supply both money again or journey rewards on most if not all your purchases.

The place it beats our benchmark card: Journey protections, cellphone safety, an introductory rate of interest on purchases and an extended interval of 18 months for no curiosity on introductory steadiness transfers.

The place our benchmark card is best: The Citi Double Cash earns easy-to-redeem money again on all purchases.

15-month introductory charge, plus rewards at US supermarkets

Why it’s nice in a single sentence: The Blue Cash Everyday card gives a beneficiant introductory rate of interest on purchases for 15 months whereas additionally incomes 3% money again as a press release credit score at US supermarkets (as much as $6,000 yearly, then 1%) and a pair of% again at US gasoline stations, all with no annual charge.

This card is correct for: Individuals who need to briefly keep away from excessive rates of interest on their purchases, however who additionally spend a major quantity of their price range at US supermarkets and gasoline stations.

Highlights:

  • 0% APR on all purchases for the primary 15 months (13.99% to 23.99% variable afterward, see rates and fees).
  • Earn 3% money again at US supermarkets on as much as $6,000 per 12 months in purchases (then 1%).
  • Earn 2% money again at US gasoline stations and choose US department shops.
  • Earn 1% money again on all the pieces else.
  • Automotive rental loss and injury insurance coverage included.
  • No annual charge (see rates and fees).
  • Phrases apply.

Welcome bonus: Earn $100 money again as a press release credit score after you spend $2,000 on purchases in your first six months, plus earn 20% again on Amazon purchases within the first six months of card membership, as much as $150 again.

What we like most concerning the Blue Cash Everyday: For a lot of Individuals, a good portion of the month-to-month household price range goes to grocery store and gasoline station bills. The Blue Cash Everyday card dials up the bonus money again on these two classes, making a go-to in your pockets for 2 routine purchases.

The cardboard additionally pairs its bonus classes with an introductory 0% APR on purchases for the primary 15 months, making it a strong selection should you’re attempting to make ends meet proper now. However you’ll need to make sure that your debt is paid off by the tip of the intro interval, because the rate of interest jumps to a variable 13.99% to 23.99% afterward.

You’ll additionally discover a good welcome bonus of as much as $250 on the Blue Cash Everyday, with $100 money again within the type of a press release credit score after spending $2,000 on the cardboard within the first six months after opening the account, plus 20% again on Amazon purchases within the first six months of card membership, as much as $150 again. The cardboard even has automobile rental loss and injury insurance coverage, to prime off a reasonably full package deal.

Earn 3% at US supermarkets (up to $6,000 a year, then 1%) with the Blue Cash Everyday card.

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Earn 3% at US supermarkets (as much as $6,000 a 12 months, then 1%) with the Blue Money On a regular basis card.

One factor that might be higher: Bonus money again isn’t earned on purchases outdoors of the US with the Blue Cash Everyday, and there’s a 3% international transaction charge on prime of that (see rates and fees), although that’s unlikely to be a problem for the time being with worldwide journey restricted because of the pandemic.

Nonetheless, you possibly can earn twice as a lot money again at US supermarkets should you’re keen to forgo a number of months of the introductory supply on purchases by getting the Blue Cash Preferred® Card from American Express as an alternative of the Blue Money On a regular basis.

The Blue Money Most well-liked usually has a $95 annual charge, however for a restricted time it’s providing a $Zero introductory annual charge for the primary 12 months (see rates and fees). The cardboard additionally earns 6% money again at US supermarkets on as much as $6,000 per 12 months (then 1%). The draw back is that its introductory supply on purchases runs for less than 12 months as an alternative of 15 months.

Associated: Amex Blue Cash Preferred vs. Blue Cash Everyday: Which is best for you?

The place it beats our benchmark card: Welcome bonus, an introductory rate of interest on purchases and automobile rental injury protection.

The place our benchmark card is best: The Citi Double Cash has an introductory rate of interest on steadiness transfers, and its money again may be transformed to Citi ThankYou journey factors when mixed with the Citi Status® Card or Citi Premier℠ Card.

Learn more about the Blue Cash Everyday card.

15-month introductory charge, plus earn 1.5% money again on all purchases

Why it’s nice in a single sentence: Past the beneficiant introductory rate of interest on purchases, the Chase Freedom Unlimited comes with three bonus classes and in addition earns 1.5% money again on all the pieces else you purchase, plus your money again may be transformed to Final Rewards journey factors when mixed with sure premium Chase bank cards.

This card is correct for: Individuals who desire a card that earns bonus money again together with having an introductory rate of interest on purchases, however who additionally need the choice to transform their money again to journey rewards down the road.

Highlights:

  • 0% APR on all purchases for the primary 15 months (14.99% to 23.74% variable afterward).
  • Earn 5% money again on journey purchases made by way of Chase Final Rewards, 3% on eating and three% at drugstores.
  • Earn 1.5% money again on all different purchases.
  • Money again may be transferred to airline and lodge journey packages when mixed with choose Chase Final Rewards playing cards, such because the Chase Sapphire Preferred Card.
  • No annual charge.

Signal-up bonus: Earn $200 bonus money again after you spend $500 on purchases in your first three months after opening the account.

What we like most concerning the Chase Freedom Unlimited: It is a card that’s helpful for the lengthy haul. Whilst you could enroll due to the Chase Freedom Limitless’s introductory rate of interest on purchases, it’ll seemingly develop into a staple in your purse or pockets because of its 1.5% money again on all the pieces you purchase.

Even higher, final 12 months Chase added three permanent bonus categories to the Chase Freedom Limitless. Each new and current card holders now earn 5% money again on journey purchases made through Chase Final Rewards, 3% money again on eating — together with takeout and supply — and three% money again at drugstores.

Plus, the Chase Freedom Unlimited grows with you. If you happen to apply for a Chase Sapphire Preferred or Chase Sapphire Reserve card down the highway, you possibly can convert the money again you earn with the Chase Freedom into Final Rewards factors, which may be redeemed for journey on the Chase journey portal, or transferred to Chase’s airline and lodge companions to extract doubtlessly much more worth from them.

Associated: Chase Sapphire Preferred vs. Chase Sapphire Reserve: Which is best for you?

Convert Chase Freedom Unlimited cash back to Ultimate Rewards points by pairing it with a Chase Sapphire Preferred or Chase Sapphire Reserve credit card.

Chase

Convert Chase Freedom Limitless money again to Final Rewards factors by pairing it with a Chase Sapphire Most well-liked or Chase Sapphire Reserve bank card.

One factor that might be higher: It’s exhausting to gripe concerning the Chase Freedom Unlimited, however you ought to be aware of its pesky 3% international transaction charge. Additionally, the cardboard’s 1.5% flat incomes charge falls wanting another no-annual-fee playing cards, which prime out at 2%.

Nonetheless, the power to doubtlessly switch money again to factors is perhaps well worth the tradeoff, particularly since Chase Final Rewards is among the higher versatile rewards packages, and the newly added bonus classes additional enhance the cardboard’s worth.

The place it beats our benchmark card: Signal-up bonus, buy protections and introductory charge on purchases for 15 months.

The place our benchmark card is best: The Citi Double Cash gives a better general money again charge and an introductory rate of interest on steadiness transfers.

Learn more and apply for the Chase Freedom Unlimited.

15-month introductory charge, plus rewards spherical as much as the closest 10 factors on every buy

Why it’s nice in a single sentence: If you happen to use your bank card for lots of small purchases — that means underneath $10 — then the “spherical up” function of the Citi Rewards+ will earn you further rewards, and its introductory supply on new purchases can decrease your prices if you must carry debt.

This card is correct for: Folks seeking to earn extra factors for small purchases whereas additionally needing to pay for some bills over time.

Highlights:

  • 0% APR on all purchases for the primary 15 months (13.49% to 23.49% variable afterward).
  • 0% APR for 15 months on steadiness transfers (13.49% to 23.49% variable afterward).
  • Earn 2 ThankYou factors for each greenback you spend at supermarkets and gasoline stations for the primary $6,000 per 12 months (1x ThankYou level thereafter).
  • Earn 1 ThankYou level for each greenback on all different purchases.
  • All purchases mechanically spherical as much as the closest 10 factors.
  • 10% factors again for the primary 100,000 factors you redeem per 12 months.
  • Factors may be transferred to airline and lodge companions when mixed with the Citi Status or Citi Premier card.
  • No annual charge.

Welcome bonus: Earn 15,000 bonus factors after you spend $1,000 in purchases in your first three months.

What we like most concerning the Citi Rewards+: There are three options of the Citi Rewards+ that make it worthy of consideration. First, the rewards you earn for each buy made with the cardboard spherical as much as the closest 10 factors. That gained’t make an enormous distinction on costly gadgets, however a $2 pack of gum earns 10 factors as an alternative of two factors, a 400% enchancment. A lot of these little transactions can add up shortly.

Second, once you redeem factors, you’ll get 10% of your factors again on as much as 100,000 factors yearly. Which means should you use 2,500 factors to redeem for a $25 present card, you’ll quickly see 250 factors again in your account to redeem once more down the road. Since you possibly can rise up to 10,000 factors again every year, that’s successfully as much as an additional $100 in factors to spend on present playing cards.

And third, though the Citi Rewards+ earns factors that may be redeemed for present playing cards, money again or by way of Citi’s Store with Factors program, should you even have a Citi Premier or Citi Status Card you possibly can transfer your factors to your different card and open up an entire new world of choices, together with redeeming factors for journey down the road or transferring them to Citi’s airline companions.

Move points from the Citi Rewards+ to one of the premium Citi ThankYou cards and redeem them for a future vacation getaway.

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Transfer factors from the Citi Rewards+ to one of many premium Citi ThankYou playing cards and redeem them for a future trip getaway.

One factor that might be higher: If you happen to’re not pairing the Citi Rewards+ with one of many premium Citi ThankYou playing cards, essentially the most worth you may get on your factors is 1 cent apiece when redeeming for present playing cards. If you happen to redeem factors for money again, the worth is just 0.5 cents per level, by which case you’d be higher off with the flat-rate money again of our benchmark Citi Double Cash card or one of many different 0% curiosity playing cards on our checklist.

The place it beats our benchmark card: Beneficial sign-up bonus, 10% factors again on redemptions as much as 100,000 factors per 12 months and 15-month introductory supply on purchases.

The place our benchmark card is best: The Citi Double Cash has an extended introductory rate of interest interval of 18 months on steadiness transfers.

Learn more and apply for the Citi Rewards+ Card.

15-month introductory charge, plus earn 3% money again on meals supply

Why it’s nice in a single sentence: The no-annual-fee Capital One SavorOne card gives an introductory rate of interest on purchases for 15 months, plus an impressive 3% money again on a number of on a regular basis classes.

This card is correct for: Individuals who spend a major quantity on leisure and eating — together with meals supply providers — however who additionally want a protracted introductory curiosity interval on their purchases.

Highlights:

  • 0% APR on all purchases for the primary 15 months (15.49% to 25.49% variable afterward).
  • Earn 3% money again on eating, leisure, streaming and at grocery shops.
  • Prolonged guarantee safety.
  • No international transaction charge.
  • No annual charge.

Signal-up bonus: Earn $200 money bonus after you spend $500 on purchases throughout the first three months after opening the account.

What we like most concerning the Capital One SavorOne: Even after you’ve taken benefit of its introductory rate of interest interval, having a card that earns 3% again on 4 extremely necessary classes — eating, leisure, streaming and grocery shops — means that it’ll stay a helpful a part of your card arsenal.

However extra importantly, should you’ve gotten used to having meals delivered within the final 12 months, most meals supply providers additionally code as “eating” on the Capital One SavorOne, that means should you’re staying at house and order from a service like Grubhub or Seamless, typically it’s best to get the identical 3% money again that you’d should you had been bodily eating on the restaurant.

If you're using food delivery services, you'll earn 3% cash back on many of them with the Capital One SavorOne card.

Grubhub

If you happen to’re utilizing meals supply providers, you may earn 3% money again on lots of them with the Capital One SavorOne card.

One factor that might be higher: There’s no cellphone insurance coverage on the Capital One SavorOne card, which is turning into a typical function even on some no-annual-fee bank cards. It’s also possible to discover playing cards with considerably longer introductory durations should you want further time to hold debt.

The place it beats our benchmark card: Signal-up bonus, introductory charge on purchases for 15 months and no international transaction charge.

The place our benchmark card is best: The Citi Double Cash has an introductory rate of interest interval of 18 months on steadiness transfers.

Click on here for charges and charges of the Blue Money On a regular basis card.
Click on here for charges and charges of the Blue Money Most well-liked card.

Searching for a brand new bank card, however don’t want 0% curiosity on purchases? Take a look at CNN Underscored’s checklist of the best credit cards of 2021.

Get all the latest personal finance deals, news and advice at CNN Underscored Money.



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