Top 6 Zero Interest Credit Cards To Look At

Have you been looking around for the credit cards with zero percent interest rate and many perks to enjoy? If so, then we are here today to discuss our today’s top 6 picks. There are the different cards that one can apply for.

But, if you know which card brings the most number of benefits as per your requirements and needs, then it becomes easier to make the choice. The rankings that we present here are purely based on the numbers, so you can stay confident that you are going to get the right information to know the best option from all available cards. Let’s take a look at them one by one.

  1. Citi Diamond Preferred Card

This is a credit card that has a 0% interest rate for the 21 months on balance transfers and purchases. For the balance transfers, a 3% fee is being charged to the cardholder. After the introductory period, there will be an interest rate of 12.24% – 22.24%, which will be based on the credit history of you. There isn’t any annual fee for this card and the balance transfer fee can either be the 3% of the transferred amount or $5 (depends on which amount is greater). There is a 24/7 access to the personalized concierge services that will help the cardholder to book concert tickets, flights, hotels, and much more. The cardholders can also enjoy the Citi Private Pass, travel protection, damage and theft purchase protection, $0 liability on the unauthorized charges, extended warranty, and much more.

  1. Chase Slate Visa Credit Card

There is an intro balance transfer offer in which the cardholder will not have to pay any balance transfer fee inside the first 60 days of the account opening. After those 60 days of the account opening, there will be a 5% balance transfer fee for the further balance transfers. This card has a low introductory rate of 0% for the 15 months of the account opening, but after that there will be a variable APR of 13.24% – 23.24%. This is a no annual fee card and the cardholder will also be able to enjoy the monthly FICO Score for free. There is also no penalty APR that means that if you gets late to pay, then the interest rate (APR) will not be raised at all. This card has won the awards of Best Balance Transfer Card for the 4 consecutive years (2012 to 2015) so you can call it the right choice.

  1. Wells Fargo Platinum Visa Card

For the first 15 months, the cardholder can get a zero percent rate on the purchases and balance transfers. After that time period, then the cardholder will have to pay a fee of 3% on the balance transfers. When it comes to the interest rate, then it would be 15.4% to 25.24% after the first 15 months. This interest rate after the introductory period would depend on the cardholder’s credit history. Some of the extra perks of this card are, auto rental collision damage waiver, roadside dispatch, travel accident insurance, travel & emergency assistance services, cell phone protection, zero liability on unauthorized transactions, overdraft protection, rapid alerts, and more.

  1. Citi Simplicity MasterCard

For the first 21 months of the account opening, this credit card will offer you a 0% interest rate on both purchases and the balance transfers. After the time period of the first 21 months, a 3% fee will be charged on the balance transfers. The interest rate will also be 13.24% – 23.24%, which will depend on the credit history of the cardholder. This card doesn’t have any annual fee, late fee, and penalty fee. This card offers Citi identity theft solutions, travel & emergency assistance, worldwide car rental insurance, extended warranty, $0 liability on the unauthorized charges, automatic account alerts, and more. The 24/7 customer service can also be used if you have any questions about their card or if you have any concerns regarding your card.

  1. Fifth Third Bank Platinum MasterCard

This is another decent card with 0% interest rate on balance transfers and the purchases which will be valid for the first 15 months. After the first 15 months, a 4% fee will be charged on the balance transfers and the interest rate will vary from 11.24% to 24.24%. There is no annual fee, identity theft resolution service, cellular phone protection, zero liability protection, MasterCard airport concierge, MasterCard global service, travel assistance services, roadside services and more. This card also provides the cardholder a greater protection with its chip technology. There is also the price protection and extended warranty that one would like to have. So, this card has some extraordinary benefits to look at and the great financial flexibility that makes it one of the best credit cards to consider.

  1. KeyBank Latitude MasterCard

This is also another good option with exciting offers. It has 0% interest rate on balance transfers and purchases for the first 15 months. After the introductory period of 15 months, there will be a fee of 4% of the balance transfers and 10.24% – 20.24% interest rate that will be dependent on the credit history of the cardholder. There is a 24-hour lost/stolen reporting facility on this card that the cardholder will definitely like to have.  There is also the zero liability fraud protection, embedded chip technology for the better security, mobile payments, etc. that makes this card a good option, for sure. The extended warranty and price protection helps the cardholder shop with confidence. There are also the identity theft resolution services that protect the card and also several other benefits such as travel and entertainment assistance that makes this card a great option.