Finding a basic credit card in the market is hard enough but it becomes more difficult when zero percent interest rates enter the picture. Credit cards can prove beneficial for your financial situation if you use them carefully but they can also ruin you financially when used carelessly. That’s why it is important to find a credit card that works best for you. Some credit card issuers offer credit cards, zero percent introductory APR which is like a big bonus and can greatly improve your financial situation. However, there are so many 0% credit cards available in the market that it becomes confusing to choose. Following are some of the best credit cards that offer 0% APR.
HSBC Gold MasterCard
This credit card allows 0% Annual percentage rate and zero percent balance transfer fee for the first 18 months. After the introductory period regular APR rates range from 12.24% to 16.24%. The bonus feature of this credit card is that there’s no penalty APR which means you won’t have to pay high interest rates after the intro period. Plus the late payment fees is waive during the initial 18 months as well. It also doesn’t charge foreign transaction fee which makes it a good option for business transactions.
Chase Freedom Unlimited
This credit card offers amazing cash back rewards which do not expire as long as your account stays open. There is an unlimited 1.5% cash back on every purchase. Moreover, the initial APR is 0% for the first 15 months, after which regular rates from 16.24% to 24.99% may apply. There is no annual fee plus you can earn a bonus of $150 after you spend $500 in the first three months. This feature makes this card good for shopping.
Chase Slate credit card also offers 0% APR for the first 15 months plus there is no balance transfer fee during the first 60 days of opening the account as well. The regular APR ranges from 16.24% to 24.99%. There is no penalty fee which means paying late bills will not raise your annual percentage rate. The annual fee for this credit card is zero as well. As an additional perk, Chase Slate allows you to check your detailed FICO score for free every month so that you can stay updated about your credit history all the time and make purchases accordingly. This can improve your financial situation greatly.