It's that time of year again - when the interest rates on most credit cards go up. If you're someone who relies on credit to help you finance your lifestyle, now might be a good time to start considering some 0% APR credit cards.
In this article, we'll take a look at some of the best 0% APR credit cards available in 2022. We'll list their benefits and explain how they could help you save money on your expenses.
Best 0% APR Credit Cards for Students
Student credit cards are a great way to get approved for a loan and build your credit history. However, there are many different types of student credit cards and it can be hard to decide which one is the best for you.
Below are the best 0% APR credit cards for students. All of these cards have no annual fees, and they offer great interest rates for students.
- The Citi Double Cash Card – This card has a 0% introductory APR for 6 months and then an ongoing APR of 17.24%. This card is perfect for students who are looking to build their credit score.
- The Apple Store Student Program Credit Card – This card offers a 0% introductory APR for 18 months and then an ongoing APR of 25.24%. This card is perfect for students who want to use their Apple products.
- Chase Slate – This card offers a 0% introductory APR for 15 months and then an ongoing APR of 24.24%. This card is perfect for students who want to use their Chase Slate account online.
- Wells Fargo Propel American Express Credit Card – This card offers a 0% introductory APR for 12 months and then an ongoing APR of 20.24
Best 0% APR Credit Cards for New Residents
If you're looking for a 0% APR credit card, there are some great options available to you. These cards are perfect for new residents who want to build their credit history and score high on credit scores.
Here are some of the best 0% APR credit cards for new residents:
The Discover it® Cash Back Card offers 0% APR on purchases and balance transfers for the first year* and then an annual percentage rate (APR) of 12.99%. This card is perfect for people who want to get started building their credit history.
The Chase Freedom® is another great option for new residents. It offers 0% APR on Purchases and Balance Transfers for 18 months. After that, the APR is 15.24%. This card is perfect for people who want to have more flexible credit terms.
The Citi Double Cash Card offers 0% APR on Purchases and Balance Transfers for the first six months*. After that, the APR is 14.24%. This card is perfect for people who want to get started building their credit history quickly.
Best 0% APR Credit Cards for Seniors
If you are a senior citizen and are looking for a good credit card with low APR rates, you may want to consider the following options.
The best 0% APR credit cards for seniors usually have no annual fees and offer great rewards programs. These cards can help you to improve your credit score, which can make it easier to obtain loans in the future.
Some of the best 0% APR credit cards for seniors include the Chase Sapphire Preferred Card, the Citi Double Cash Card, and the Discover it® Secured Credit Card. All of these cards offer excellent rewards programs and low APRs.
You should always compare different card options before making a decision. Each card has its own benefits and drawbacks. You should also consider your financial needs and what kind of credit history you have. After you have reviewed all of the available options, choose the best 0% APR credit card for seniors that meets your needs.
Best 0% APR Credit Cards for People with Low Income
There are a lot of great credit cards out there that offer 0% APR for a period of time. This means that you can get your hands on some great credit cards without having to pay any interest at all.
If you have low income and are looking for a great way to improve your finances, then these 0% APR credit cards might be the perfect option for you.
Some of the best 0% APR credit cards include the Chase Freedom Unlimited and the Citi Double Cash Card. Both of these cards offer 0% APR for 12 months and 18 months, respectively.
These cards are especially beneficial if you have high-interest debt. By getting rid of your high-interest debt, you can start to build up your credit score and eventually qualify for better loans in the future.
Best 0% APR Credit Cards for People with No Income
If you have no income and no credit history, it can be difficult to get approved for a conventional credit card. However, there are a few credit cards that offer 0% APR for a period of time.
These cards are perfect for people who need access to cash but don't have good credit. They can also be a great option for people who are new to the credit card market and want to build their credit score.
Here are the top 5 best 0% APR credit cards:
- The Citi Simplicity Card offers 0% APR on Purchases and Balance Transfers for 15 months.
- The Capital One Quicksilvercard offers 0% APR on Purchases and Balance Transfers for 18 months.
- The Chase Slate offers 0% APR on Purchases and Balance Transfers for 25 months.
- The Discover it Secured Credit Card offers 0% APR on Purchases, Balance Transfers, and Cash Advances for 18 months.
- The Wells Fargo Propel World Mastercard offers 0% APR on Purchases, Balance Transfers, and Cash Advances for 24 months
