3 Cards Offering Zero Percent APR Until 2020

3 Cards Offering Zero Percent APR Until 2020 Photo by fizkes / Shutterstock.com

Sometimes, the coolest thing about a credit card is the rewards — cash back, hotel points, travel miles, oh my! But sometimes, what you really need in a credit card is a way to lighten the load of other credit cards. If you have balances on high interest rate cards, check out these offers for zero percent introductory rates on balance transfers and purchases lasting up to 18 months. These cards have other perks, too, of course. See which one best fits your financial needs and spending habits.

Blue Cash Everyday Card from American Express

American Express / Money Talks News

Why we like it: This card offers an introductory zero percent interest rate for the first 15 months, on purchases and balance transfers. This may be worth it for you if you need to transfer balances from higher interest rate cards. It also offers nice cash-back rewards on everyday purchases, including gas and groceries, and has no annual fee.

More details:

  • Get a statement credit of $150 after spending $1,000 within three months of opening the account.
  • Get 3 percent cash back on up to $6,000 of purchases per year at U.S. supermarkets.
  • Earn 2 percent cash back at gas stations and select department stores in the U.S., plus 1 percent back on other purchases.
  • No annual fee.

Note: Balance transfers are subject to a fee — $5 or 3 percent, whichever is greater.

Click here for more details on this card and to compare with other offers.

Chase Freedom

Chase / Money Talks News

Why we like it: This card offers an introductory zero percent interest rate on balance transfers and purchases for 15 months. It also earns a $150 bonus after spending just $500 in the first three months.

More highlights:

  • Get a $150 bonus after $500 worth of purchases in the first three months of opening the account.
  • Earn 5 percent cash back on up to $1,500 purchases in bonus categories each quarter. (That’s up to $75 per quarter or $300 a year.)
  • Earn an automatic 1 percent cash back on all other purchases.
  • No annual fee.

Note: Balance transfers subject to a transfer fee of $5 or 3 percent, whichever is greater.

Click here to see more details for this card and compare to other offers

Wells Fargo Platinum Visa Card

Why we like it: This card has a generous 18-month introductory period during which you get a zero percent interest rate on purchases and on balance transfers made within the first three months of opening the account. There’s no annual fee, but be sure to check for balance transfer fees before you take the leap.

Other perks with this card:

  • Get cellphone coverage of up to $600, after a $25 deductible, if you use the card to pay your cellphone bills.
  • Free budgeting and money management tools.
  • No annual fee.
Click here to see more details for this card and to compare with other offers

Whatever you need in a credit card — whether it’s reward points, cash back, balance transfer or a low interest rate — you can find with our credit card search tool. Click here to search for the plastic that best fits your needs.

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