How to Find the Best Credit Cards With No Interest
It’s possible to get great credit with no interest at all. But it’s important to find the right card for you. You want to find a card that suits your budget and offers you the rewards that you need.
Capital One SavorOne Cash Rewards Credit Card
If you have excellent credit, you can qualify for the Capital One SavorOne Cash Rewards Credit Card. This credit card offers high cash back on dining and entertainment purchases. Unlike most cards, Capital One does not place an annual cap on the amount of cash back you can earn.
You can also earn bonus cash back on bonus categories. For example, you can get 8% cash back on Vivid Seats and 1% cash back on all other purchases. Also, the credit card gives you an extended warranty for eligible purchases and reimburses you for rental damage.
The Capital One SavorOne is a good choice for people who are looking for a simple rewards program. However, it may not be right for everyone. Those who carry a balance from month to month may not get enough rewards to make the card worth it.
Citi Double Cash Card
If you’re looking for a card that pays you back for your purchases, the Citi Double Cash Card is a good choice. It offers cash back every month and a no-hassle rewards structure. In addition, the card can be used to help pay down your debt faster.
There’s also a caveat to the Citi Double Cash Card: you must make your minimum payment on time. This makes it less than perfect for consumers who aren’t particularly good at keeping up with their credit card bills. However, if you’re able to make the payments on time, you can expect a higher payout in return.
The card is a great fit for those who enjoy paying for what they use and aren’t afraid to be smart about their credit card usage. That said, if you spend a lot of money on one or two categories, you may want to consider a different card.
Blue Cash Preferred
The Blue Cash Preferred credit card offers a lot of perks and benefits. The most notable is its impressive cash-back rate. Among other things, the card gives you 3% cash back in certain categories, which can help you earn hundreds of dollars in the first year.
While the Blue Cash Preferred card isn’t for everyone, it’s a great option for families and commuters. It’s also a good choice if you make purchases on a regular basis. If you’re planning to travel, however, you should look elsewhere.
You should know that the Blue Cash Preferred card has an annual fee. You also have to pay foreign transaction fees. However, you can earn extra rewards, such as bonus statement credits.
The Blue Cash Preferred card is a solid option if you spend a significant amount of money on gas. However, this isn’t the best choice if you make a lot of purchases overseas.
Discover it(r) Balance Transfer
If you want to pay off your existing debt, a Discover it(r) Balance Transfer credit card with no interest may be the perfect solution. This credit card gives you the opportunity to earn rewards with the added incentive of 0% APR for 18 months. In addition, it’s got an impressive sign-up bonus.
While this offer is the best in the balance transfer space, there are other cards that offer better incentives. You should also pay close attention to the fees that come with the deal.
To get the most out of your Discover it(r) Balance Transfer, you’ll want to use it in a manner that will have the least impact on your credit score. One good way to do this is to make sure you have a high credit limit.
Wells Fargo Reflect
The Wells Fargo Reflect credit card is an excellent choice for consumers looking for a way to save money on interest charges. It is also great for transferring balances from high APR cards. But, it’s not a credit card that’s suitable for anyone who’s looking for a rewards program or for rewards such as cashback.
With the Wells Fargo Reflect credit card, you’ll be able to take advantage of a 0% introductory APR offer for a year and a half. After the introductory period, the APR will apply to any new purchases and balance transfers, but you’ll be given a 25-day grace period.
You can add authorized users online. However, it is your responsibility to pay for any purchases made by those you authorize. If your phone is stolen, you can get up to $600 in coverage. And if you want to make a claim, you can do so up to two times a year.