The Best 0% APR Credit Cards for 2020

The Best 0% APR Credit Cards for 2020
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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. Note: Citi is a partner of Brad's Deals.

The Best 0% APR Credit Cards for 2020:

Capital One® Quicksilver® Cash Rewards Credit Card: Best Combo Card

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The Capital One® Quicksilver® Cash Rewards Credit Card is our pick for best overall balance transfer card. There's a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening, which can cover all or part of the 3% balance transfer fee. There's a 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months. There's also a 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that. Compare this card to others and you'll see it's the clear winner.

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Citi Double Cash Card: 18 months of 0% APR

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.

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Chase Freedom Unlimited: 1.5% cash back

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

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Like its brother above, the Chase Freedom card also has 15 months of 0% APR on purchases and balance transfers, 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!

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.