Best Deal: Top 3 Credit Cards with 0% APR

by contentwriter

Author: Herbert Davis

0% APR Credit cards help establish credit, facilitate budgeting, and provide rewards in addition to being practical and secure. Furthermore, neither debt nor interest payments are required.

Your credit card usage will determine whether it has a favorable effect on your money. If you take the correct steps, a debt transfer or credit card with 0% APR can be a blessing.

A credit card with a 0% APR offers a 0% introductory rate term for purchases, balance transfers, or both. Giving up finance charges can be a pleasant change from the double-digit interest rates, and sometimes applied to credit cards. 

You may put more money toward paying down your debt if you pay less interest overall.


This article reviews the top 3 Credit Cards that offer 0% APR: 

  • Quicksilver Cash Rewards Credit Card (Capital One)

Annual and foreign transaction fees are waived using the Quicksilver Cash Rewards Credit Card by Capital One. 

This card is appealing because there are no fees attached to it. Owning this card offers many benefits over other cashback credit cards, which typically carry the entire 3% foreign transaction fee.

Capital One Quicksilver Cash Rewards Credit Card offers some of the best cashback rates. 

This card fits in practically every wallet because there are no yearly fees. Consider the Quicksilver if you enjoy the adaptability of cash incentives.

  • Reflect™ Card (Wells Fargo)

Unlike Capital One’s Quicksilver Credit Card, balance transfers made within 120 days with Wells Fargo Reflect™ Card are eligible for the introductory rate and fee of 3%, followed by a BT cost of up to 5%, a $5 minimum, and an APR of 14.49% to 26.48% variable afterward.

With Wells Fargo Card, cardholders can benefit from a 0% introductory APR for up to 21 months after their account is opened on purchases and qualifying balance transfers (then variable 14.49% to 26.49% APR). That’s a record-breaking period for paying off significant upcoming purchases or existing high-interest credit card debt.

Wells Fargo card is a top choice for anyone seeking a long time to pay off a new purchase or eligible balance transfer.

  • Discover it® Cash Back Credit Card (Discover)

With a 0% introductory APR on purchase for 15 months, the Discover it® Cash Back Card and the Wells Fargo Reflect™Card are almost identical. Depending on credit worthiness, a standard variable purchase APR of 13.49% to 24.49% is applicable.


Most balance transfer credit cards include 3% or more foreign transaction fees. It can be crippling if you make large overseas purchases.

Just like Capital One Quicksilver Cash Rewards Credit Card, these fees are not added to any Discover cards. Including the Discover it® Balance Transfer.

Final Thoughts

A card with a lengthy 0% intro APR term can allow you to pay for a major purchase comfortably without worrying about time or fees. 

Most issuers offer 12 to 18 months without incurring interest fees if you’re a plan-ahead spender and want to finance home upgrades or a dream vacation. Nevertheless, the usual APR may apply after the promotional period, which may not be low. A low-interest credit card can be a better choice if you frequently carry a balance from month to month.


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