Best 0% APR Credit Cards in the U.S. for 2021

Looking for the best credit cards in 2020? See our experts' pick for the best 0% credit cards in 2021.

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By Ben Harper

Looking for a new credit card? Before you pick one, it’s important you do some research about what each of your option has to offer.

We know this year has been difficult for many families across America. That’s why we think it’s more important than ever to find a 0% APR Credit Card that works for you.

At SimpleDirect, we consider many features to determine which credit cards are the best ones for consumers.

Compare Best 0% APR Credit Cards In 2020

Best 0% APR Credit Cards in the U.S. for October 2020

  • U.S Bank Visa Platinum Card
  • Citi Double Cash Card
  • Discover it Miles
  • Discover it Secured
  • United Explorer Card

U.S. Bank Visa Platinum Card

U.S. Bank Visa Platinum Card is perfect for anyone looking to consolidate debt. Debt consolidation is a great way of turning multiple payment obligations into a single payment loan. With 0% APR on balance transfers and purchases for 20 months, this card is perfect for debt reduction!

Compare Best Alternative 0% APR Credit Cards

Pros

  • No Annual Fee
  • 20 Months of 0% interest on purchases and balance transfers
  • Cell Phone Protection Plan

Cons

  • 2%-3% Foreign Transaction Fees
  • No Rewards Program or Welcome Bonus
  • Balances must be transferred within 60 days from account opening

Note

  • Recommended Credit Score: Good/Excellent
  • Regular APR: 13.99% - 23.99%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 20 months
  • Foreign Transaction Fee: 2%-3%

Citi Double Cash Card

This card is good if you are looking to consolidate some debt and looking for some decent cash back rewards at the same time. It is important to remember that the 0% APR only applies to balance transfers and not purchases. If you plan on making some large purchases, the U.S. Bank Visa Platinum Card would be a better option.

Compare Best Alternative 0% APR Credit Cards

Pros

  • No Annual Fee
  • 18 Months of 0% interest on balance transfers
  • 2% cashback on every dollar spent

Cons

  • Minimum cash-back redemption of $25
  • No Rewards Program or Welcome Bonus

Note

  • Recommended Credit Score: Excellent
  • Regular APR: 13.99% - 23.99%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 18 months
  • Foreign Transaction Fee: 3%

Capital One SavorOne Cash Rewards Credit Card

This card is ideal for someone that tends to spend frequently on dining/entertainment as well as grocery. You get a 3% cash back on dining and entertainment, 2% cash back at grocery stores along with 1% on all other purchases. A $150 cash welcome bonus is also given when you spend $500 on purchases within the first 3 months of opening the account.

This card offers 0% APR for 15 months.

Compare Best Alternative 0% APR Credit Cards

Pros

  • No Annual Fee
  • Generous welcome bonus
  • Generous cash back program

Cons

  • 3% fee for promotional balance transfer offers
  • Typically, excellent credit consumers qualify

Note

  • Recommended Credit Score: Excellent/Good
  • Regular APR: 15.49% - 25.49%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 15 months
  • Foreign Transaction Fee: 0%

Chase Freedom Flex

This card is meant for consumers that tend to spend a lot. The cash back  program starts with 5% cash back at grocery stores (excluding Target or Walmart purchases) the first year. There is also 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back on dining and drug stores, and 1% on all other purchases. With a $200 welcome cash back offer, this 0% APR card offers the most comprehensive cash back rewards program.

Compare Best Alternative 0% APR Credit Cards

Pros

  • No Annual Fee
  • Very generous welcome bonus
  • Very generous cash back program

Cons

  • 3% fee charged on foreign transactions

Note

  • Recommended Credit Score: Excellent/Good
  • Regular APR: 14.99% - 23.74%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 15 months
  • Foreign Transaction Fee: 3%

There are many free credit cards out there with 0% APR for over a year. The type of card you choose should depend on your lifestyle needs and financial situation. If you want to consolidate debt the U.S. Bank Visa Platinum Card is the way to go. If you have little debt and are a heavy spender, the Chase Freedom Flex may be a better option for you. It is important to look into the terms and conditions more carefully before selecting your card.

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Ben Harper

Ben is a personal finance writer with SimpleDirect, where he focuses on topics such as personal loans, credit cards, and offering financing.

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