0% APR Credit Card Recommendation (2)
BankAmericard credit card
• Annual fees and interest-free period: no annual fees, 18 months after issuance of the card with an interest-free period, applicable to consumption and balance transfer
• Registration bonus: none
• Cashback on consumption: none
• Other highlights: APR will not increase when repayment is late
A 0% APR for 18 months is almost a year and a half of an interest-free loan. And unlike most other credit cards, BankAmericard will not increase the APR due to late payment.
While the perks are a bit shabby, luckily it is easy to apply and can be seen as a savior for users with poor credit history.
Chase
Chase Freedom
• Annual fees and interest-free period: no annual fees, 15-month interest-free period after opening the card, applicable to consumption and balance transfer
• A la carte sign-up bonus: you can get a $ 150 cash sign-up bonus if you spend $ 500 within 3 months of opening the card
• Cashback for consumption: 5% cashback for various consumption each quarter, 1% cashback for other consumption
Chase Freedom offers 5% cash back for quarterly rotation. Common 5% cash back categories include gasoline / Amazon / meals / internet TV and phone charges / travel / transportation / mobile payment / travel / department stores, etc. There is no annual North American God Card cash back. However, the 5% cash back is limited to the first use of $ 1,500 in each quarter, and the excess portion can still earn 1% cash back, and there is no upper limit.
Chase Freedom Unlimited
• Annual fees and interest-free period: no annual fees, 15-month interest-free period after opening the card, applicable to consumption and balance transfer
• A la carte sign-up bonus: you can get a $ 150 cash sign-up bonus if you spend $ 500 within 3 months of opening the card
• Cash back on consumption: 1.5% cash back on any consumption
Chase Freedom Unlimited offers an unlimited 1.5% refund on any consumption, which is a great addition to the Chase Freedom card above.
American Express
Blue Cash Everyday
• Annual fees and interest-free period: no annual fees, 15-month interest-free period after opening the card, applicable to consumption and balance transfer
• A la carte signup bonus: you can get a $ 150 cash signup bonus if you spend $ 1000 within 3 months of opening the card
• Consumer discount: 3% cash back for shopping, 2% for gasoline and department stores, 1% for others
• Although the threshold is low and there is no annual fee, Blue Cash Everyday offers 3% cash back for groceries and 2% cash back for refueling, which is one of the Strongest grocery credit cards with no annual fees.
If you're looking to get more cash back, there's an annual fee version of the Blue Cash Preferred Grocery Card with 6% cash back for groceries and 3% cash back for refueling, offering consumers more choice.
Cash Magnet
• Annual fees and interest-free period: no annual fees, 15-month interest-free period after opening the card, applicable to consumption and balance transfer
• A la carte signup bonus: you can get a $ 150 cash signup bonus if you spend $ 1000 within 3 months of opening the card
• Cash back on consumption: 1.5% cash back on any consumption
Similar to Chase Freedom Unlimited, Cash Magnet offers unlimited 1.5% cash back, and it's also the only credit card with no annual fee printed with the head of the Amex Centurion, with an explosion in value.
Citi
Citi Citibank offers a series of credit cards with interest-free periods, such as:
• Citi Simplicity card: no annual fee, 21-month balance transfer interest-free + 12-month consumption interest-free, no late repayment fees
• Citi Diamond Preferred Card: No annual fee, 21-month interest-free balance transfer + 12-month interest-free consumption
These two Citi credit cards don't have any cashback or signup rewards, but the interest-free period is as long as 21 months, almost two years, which is the biggest highlight.
Conclusion
Although the credit cards introduced today are all credit cards with a long interest-free period, I still encourage everyone to pay off on time and try to pay off in full. As long as you pay at least the minimum payment each month, you can avoid late payments; credit card debt that is not paid off each month may incur interest, and if you owe too much (for example, the total debt exceeds 20% of the total amount), credit The use of credit (that is, (say the rate of use of credit) on file will be very high, which will greatly reduce credit history such as overdue repayments, which will affect future use of credit.
In addition to saving interest money, many of the credit cards mentioned today have some really good benefits, such as consumer refunds or card opening rewards, which are also worth considering. underlined.
