Managing finances can be challenging, but credit cards can make it easier. They offer a convenient payment method and rewards on your everyday spending, making it possible to achieve your financial goals.
However, with so many credit card options available, it can be tough to choose the right one for your needs. This is where 0% introductory APR credit cards come into play.
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In this article, we’ll explore the top 0% introductory APR credit cards for 2023 that can help you save money on interest charges and achieve your financial goals.
Best in 0% Introductory APR Credit Cards 2023
The BankAmericard credit card earns U.S. News’ Annual Credit Cards Award of 2023 for 0% APR credit cards. Read the full methodology.
Understanding 0% Introductory APR Credit Cards
Before we dive into the best 0% introductory APR credit cards for 2023, it’s essential to understand what these cards are and how they work. 0% introductory APR credit cards offer a promotional period during which you won’t have to pay any interest on purchases or balance transfers. This period typically ranges from 6 to 18 months, depending on the card issuer and your creditworthiness.
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It’s important to note that while 0% introductory APR credit cards can help you save money on interest charges, they often come with a balance transfer fee. This fee is usually around 3% to 5% of the total amount transferred and is added to your balance. Additionally, if you don’t pay off your balance by the end of the promotional period, you’ll start accruing interest at the regular APR, which can be quite high.
The Best 0% Introductory APR Credit Cards for 2023
- Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a top-rated 0% introductory APR credit card for 2023. It offers an introductory APR of 0% for the first 15 months on purchases and balance transfers, making it an excellent option for those looking to make a large purchase or transfer a balance from a high-interest credit card. The card also offers unlimited 1.5% cash back on every purchase, making it a great option for everyday spending.
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- Citi® Double Cash Card
The Citi® Double Cash Card is another excellent 0% introductory APR credit card for 2023. It offers an introductory APR of 0% for the first 18 months on balance transfers, and a variable APR of 13.99% – 23.99% on purchases. The card also offers cashback rewards, with 1% cash back when you make a purchase and another 1% cash back when you pay your bill.
- Discover it® Cash Back
The Discover it® Cash Back is a popular 0% introductory APR credit card that offers an introductory APR of 0% for the first 14 months on purchases and balance transfers. It also offers cashback rewards, with 5% cash back on up to $1,500 in purchases in rotating categories each quarter, and 1% cash back on all other purchases.
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- U.S. Bank Visa® Platinum Card
The U.S. Bank Visa® Platinum Card is another excellent 0% introductory APR credit card for 2023. It offers an introductory APR of 0% for the first 20 billing cycles on purchases and balance transfers, making it one of the longest introductory periods available. The card also has no annual fee and offers online and mobile banking services for easy account management.
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- Wells Fargo Platinum Card
The Wells Fargo Platinum Card is a top-rated 0% introductory APR credit card that offers an introductory APR of 0% for the first 18 months on purchases and balance transfers. It also has no annual fee and offers a variety of benefits, such as cell phone protection and travel accident insurance