Which Cash-Back Credit Cards Offer a Good 0% APR?
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Cash-back credit cards aren’t necessarily well-known for 0% APR offers, those promotions that promise not to charge you interest on new purchases — or sometimes balance transfers — for a certain number of months. But many cash-back rewards cards feature 0% APR offers, some so good that they’re among the best you can get. You might get no-interest periods lasting 12 months, 15 months or 18 months.
Though some 0% APR offers include both purchases and balance transfers, note that most charge a balance transfer fee of 3% to 5% of the amount transferred.
Generally, you don’t want to focus on a rewards card when you’ll be carrying a monthly balance because the interest you pay will erode or surpass the value of rewards. Better would be a card specifically tailored for those wanting a no-interest period or low ongoing interest.
But these cash-back cards buck conventional wisdom by giving you the best of both worlds: cash-back rewards along with an impressive APR offer that buys you time to pay down debt. And many of them don't even charge an annual fee.
0% APR on purchases and balance transfers
Discover it® Cash Back
APR offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR.
Cash-back rewards: 5% cash back in rotating categories that you activate (on up to $1,500 in purchases per quarter) and 1% cash back on all other purchases. Previous bonus categories have included things like restaurants, grocery stores, gas stations and more.
Annual fee: $0.
Discover it® Chrome
APR offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR.
Cash-back rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases.
Annual fee: $0.
U.S. Bank Altitude® Go Visa Signature® Card
APR offer: 0% intro APR for 12 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.24%-29.24% Variable APR.
Cash-back rewards: 4 points per $1 spent on dining; 2 points per $1 spent at grocery stores, gas stations, EV charging stations and on eligible streaming services; 1 point per $1 spent on all other eligible purchases.
Annual fee: $0.
Some cards technically earn points that can be used as cash back. We generally consider them to be cash-back cards if you can redeem points for 1 cent each.
Chase Freedom Unlimited®
APR offer: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR.
Cash-back rewards: 5% back on travel purchased through Chase Ultimate Rewards®; 3% back at restaurants and drugstore purchases; 1.5% cash back on everything else.
Annual fee: $0.
Blue Cash Everyday® Card from American Express
APR offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 19.24%-29.99% Variable APR. Terms apply (see rates and fees).
Cash-back rewards: 3% cash back at U.S. supermarkets on up to $6,000 in spending per year, 3% cash back on U.S. online retail purchases on up to $6,000 in spending per year, 3% cash back on U.S. gas stations on up to $6,000 in spending per year, and 1% cash back on everything else. Terms apply.
Annual fee: $0. Terms apply.
Blue Cash Preferred® Card from American Express
APR offer: 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 19.24%-29.99% Variable APR. Terms apply (see rates and fees).
Cash-back rewards: 6% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1% back); 6% back on select U.S. streaming subscriptions; 3% back on transit including U.S. gas stations; 1% back on other purchases. Terms apply.
Annual fee: $0 intro annual fee for the first year, then $95. Terms apply.
0% APR on balance transfers only
Citi Double Cash® Card
APR offer: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR.
Cash-back rewards: 2% cash back — 1% when you make the purchase, and another 1% back when you pay it off.
Annual fee: $0.
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