After 25 hours of research evaluating 100 products, we picked Discover it® for Students as our top choice.
- No annual fee
- Earn up to 5% cash back per purchase
- Cash reward for good grades
Experts say you should never let your credit card utilization exceed 10% of your available credit, but let’s be real: Many of us ignore that recommendation. That’s why Americans have a combined total of more than $1.3 trillion in revolving debt as of April 2018.
If you’re a member of the balance-carrying crew, consider applying for 0 APR credit cards. The benefits of 0 APR credit cards don’t last forever, but you often get a break from interest on purchases and/or balance transfers for more than a year.
After your card’s promotional period ends, you can generally expect an APR that falls somewhere between 13% to 30%. The exact amount depends on your creditworthiness, so make sure you pay bills on time and keep your credit utilization rates low.
Now that we’ve gotten that out of the way...
Are you ready to apply for some of the best 0 APR credit cards? We’ve compiled a list of our favorites to help you find an APR-free card that meets your needs.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated April 22, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.