The Best 0% APR Credit Cards for 2018

The Best 0% APR Credit Cards for 2018
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Credit card companies are always looking for fresh ways to get new customers. Often, this means putting out lucrative signup bonuses that reward you with cash back. These are great, but sometimes, the best deals are less flashy. A long period of 0% APR and/or the promise of fee-free balance transfers might not seem like a great reason to sign up for a credit card, but looks can be deceiving! These offers are actually some of the best on the market, and here's why.

The Best 0% APR Credit Cards for 2018:

Credit Card
0% APR Period for Purchases:
Citi Simplicity® Card
18 Months
Apply
Chase Slate® Card
15 Months
Apply
Citi Double Cash Card
18 Months
Apply
Capital One® VentureOne® Rewards Credit Card
12 Months
Apply
Chase Freedom Unlimited Card
15 Months
Apply
Chase Freedom Card
15 Months
Apply

Citi Simplicity® Card

citi-simplicity-card

The Citi Simplicity® Card has 18 months of 0% APR on purchases, which is the longest on the market (though down from last year's 21 months)! You won't want to transfer a balance on this card, however, as fees are still 5% or $5 (whichever is greater) for that, but if you're looking to make a big purchase, the Citi Simplicity card is a good way to finance that on the cheap. There are also no late fees or penalty APRs with this card, which is why you'll find this card on our list of best low fees credit card as well!

Chase Slate Card®: Best combination: 0% APR on purchases and balance transfers

chase_slate

The Chase Slate Card® is one of our favorites for many reasons, all of which we recently detailed in depth. To summarize, it's got two very compelling features: 0% introductory APR for 15 months on balance transfers and purchases, and a $0 introductory balance transfer period during the first 60 days of account opening. This is one of the only cards on the market that includes both of these lucrative features (see another one below!), which can really help an individual or family climb their way out of debt. There's also no annual fee.

Citi Double Cash Card: 18 months of 0% APR

SP C DoubleCash M PID 142

The Citi Double Cash Card not only offers 18 months of 0% APR for purchases, but it's one of the most rewarding cash back credit cards on the market. It offers cardholders 1% cash back on all purchases, plus an extra 1% cash back when you pay your bill. And, with no penalty APRs or late fees, this is a very consumer-friendly credit card.

Capital One® VentureOne® Rewards Credit Card: Great for travel rewards

ventureone

Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that. Plus, this card has a one-time bonus of 20,000 miles once you spend $1,000 on purchases within three months of approval, which is equal to $200 in travel. This is a good card for those who want some flexibility with their miles, or for those that enjoy Jennifer Garner or Samuel L. Jackson commercials.

Chase Freedom Unlimited: 1.5% cash back

freedom_unlimited_card

The Chase Freedom Unlimited Card offers 1.5% cash back on every purchase, and those purchases will be under a 0% APR period for the first 15 months of card membership. There's also a $150 sign up bonus when you spend $500 in three months, and no annual fee.

Chase Freedom: Up to 5% Cash Back

chase-freedom-visa-credit-card

Like its brother above, the Chase Freedom card also has 15 months of 0% APR on purchases, but has a rotating list of 5% cash back categories that change each quarter. If you have a Chase Sapphire Preferred or Reserve Card, you can increase your bonus by transferring your cash back into Ultimate Rewards points at a 1 cent per point ratio, which you can use for transferring to travel partners like Hyatt and United. There's no annual fee. To learn more about Ultimate Rewards points, click here.

What is your favorite 0% APR card currently on the market? Let us know in the comments!