3 Great 0% Interest Credit Cards for Ringing in 2020

3 Great 0% Interest Credit Cards for Ringing in 2020
Photo by Alliance Images / Shutterstock.com

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

This is such an expensive season! Many of us ring up big bills compared with the rest of the year. We’re splurging on gifts and groceries and entertaining — maybe even some last-minute repairs before house guests arrive. For some, this is also the time to book travel for a getaway when the holiday is over and the winter drags on.

This seasonal bulge in spending is why it’s great to have a card with a generous 0% rate introductory window — so we can pay it off painlessly and interest-free. Remember, though, that significant rates will apply if you let any balances linger past that period.

In the spirit of the season, here are three of the very best such cards on offer right now.

Capital One Quicksilver Cash Rewards

Capital One

Why it’s awesome: This card offers 15 months at 0% interest for balance transfers. If 15 months is a realistic timeline for you to pay off the transferred balance, then jump on this card for all its other perks. If you’re going to be using it day-to-day, you’ll quickly net a $150 cash bonus after spending $500 with this card within the first three months — and you’ll enjoy a strong cash-back program after that.

More highlights:

  • 0% interest on all purchases for 15 months
  • 1.5% cash back on all purchases, unlimited
  • No annual fee
  • No foreign transaction fees

Note: Balance transfers in the first 15 months are subject to a fee of 3%.

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

Capital One SavorOne Cash Rewards

Capital One

Here’s why we love it: Not only will you get cash back when you use this card to purchase anything from electronics to cocktails, but you’ll also get a $150 cash bonus after making $500 worth of purchases within three months of opening this account.

Plus, this card gets top marks for price protection, allowing you to get a refund for the difference between what you paid on an item and a lower price advertised later. “In other words,” WalletHub explains, “credit card price protection can eliminate your fear of missing out on a better deal, allowing you to both buy with confidence and save money.” Yay!

Highlights:

  • 0% interest on balance transfers for 15 months
  • Earn a $150 bonus after spending $500 within three months of opening the account.
  • Earn unlimited cash back: 3% on dining and entertainment, 2% at grocery stores and 1% on everything else.
  • No foreign transaction fees
  • No annual fee
See more details and compare with other card offers here.

Chase Freedom Unlimited

Chase

Why it’s great: This card also has a good balance transfer offer, with 15 months at 0% interest.

More highlights:

  • Get all purchases at introductory rate of 0% interest for 15 months.
  • 1.5% cash back, unlimited, on all purchases
  • No annual fee

Note: This card charges a fee of $5 or 3% of the value on balance transfers, whichever is greater.

Click here for more details and to compare this card with other offers.
Whatever you need in a credit card — balance transfer, low interest rate, travel rewards points, you name it — you can find it in our credit card search tool. Click here to explore.

Find cheaper car insurance in just minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Read Next
5 Monthly Bills You Can Easily Negotiate Down
5 Monthly Bills You Can Easily Negotiate Down

Here’s how to bring down recurring expenses and save hundreds — or even thousands — of dollars each year.

12 Reusable Products That Will Save You Money Over and Over
12 Reusable Products That Will Save You Money Over and Over

Buy a reusable version of these household items and you won’t have to spend another dime on them for years.

15 Smart Ways to Organize Every Room of Your Home
15 Smart Ways to Organize Every Room of Your Home

Are you sick of clutter and digging around to find things? Get your household organized with these brilliant and inexpensive tricks.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Comments

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.

User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.