The 5 best 0% APR credit cards right now

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The 5 best 0% APR credit cards right now
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Team Clark hates credit card debt. But, ironically, the right credit card can be a helpful tool to finally eliminate your credit card balances.

The key is to find a card with a 0% APR offer for new purchases, balance transfers or both.

RELATED: These are the best rewards credit cards

Credit cards with 0% APR offers: Team Clark’s picks

When you make a payment during one of these introductory offers, it all goes to paying off your balance, not interest charges.

Just be sure to wipe out your balance before the offer expires and the standard interest rate applies. Otherwise, you could end up with higher interest rates than you were paying to begin with.

Let’s take a look at five of the best 0% APR offers available right now…

Best 0% APR cards: Table of contents

Amex EveryDay

Amex EveryDay® Credit Card

Intro Financing 15 months of 0% APR on new purchases and balance transfers, with no fee
Rewards
  • 15,000 Membership Rewards points after spending $1,000 within three months of account opening
  • 2x points at U.S. supermarkets on up to $6,000 spent each year
  • 1x on all other purchases
  • 20% bonus when you make 20 purchases in a statement period
  • Points can be transferred to airline miles
Annual fee None
Advantages
  • No fee for balance transfers completed within 60 days of account opening
  • Earn valuable points that can be redeemed in many different ways
  • No annual fee
Drawbacks
  • American Express is less widely accepted than Visa or Mastercard

Learn more: Amex Everyday


Chase Slate

Chase Slate

Intro Financing 15 months of 0% APR on new purchases and balance transfers, with no fee
Rewards None
Annual fee None
Advantages
  • No fee for balance transfers completed within 60 days of account opening
  • No annual fee
  • No penalty APR
Drawbacks
  • No rewards
  • 5% standard balance transfer fee after 60 days

Learn more: Chase Slate


Citi Simplicity

Citi Simplicity® Card

Intro Financing 21 months of 0% APR on balance transfers, 12 months for new purchases
Rewards None
Annual fee None
Advantages
  • 21 months of interest-free financing for balance transfers
  • 12 months of 0% APR financing for new purchases
  • No annual fee
  • No late fees or penalty interest rate
Drawbacks
  • High 5% balance transfer fee
  • No rewards

Learn more: Citi Simplicity


Capital One Quicksilver Cash Rewards Credit Card

Intro Financing  15 months of 0% APR on new purchases and balance transfers
Rewards
  • 1.5% cash back on all purchases
  • $150 cash back after spending $500 on purchases within 3 months from account opening
Annual fee None
Advantages
  • 15 months of interest-free financing
  • Cash back rewards
  • No annual fee and no foreign transaction fees
Drawbacks
  • Financing period isn’t as long as some competing offers
  • 3% balance transfer fee

Learn more: Capital One Quicksilver Cash Rewards


U.S. Bank Visa Platinum

U.S. Bank Visa® Platinum Card

Intro Financing 18 months of interest-free financing on new purchases and balance transfers
Rewards None
Annual fee None
Advantages
  • Long, 18-month promotional financing offer
  • No annual fee
  • Cell phone protection plan included
Drawbacks
  • 3% balance transfer fee
  • 3% foreign transaction fee (2% for transactions in U.S. Dollars)

Learn more: U.S. Bank Visa® Platinum Card

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