Written by Garrett Yarbrough ; Edited by Courtney Mihocik ; Reviewed by Jason Steele
The best 0% APR credit cards of 2024 charge zero interest on purchases and balance transfers, sometimes for up to 21 months — a generous benefit.
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days ; 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers ; 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies
Key Findings ; The average credit card debt per capita was $3,950 in Q4 of 2023, $618 more than Q4 2022. ; Baby boomers (aged 65 – 74) had an average of $7,720 in credit card debt — the most of any generation. ; Although Washington, D.C., had the highest average credit card debt per capita of $5,190, Alaska was not far behind at $4,980. ; The average credit card APR was 22.8% in 2023.
Why trust Finder ; 300+ banks and credit unions reviewed ; 30+ kids' cards analyzed and rated by our team of experts ; Evaluated under our unbiased rating system covering 8 categories
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CNBC Select compares the best 0% APR credit cards with no interest for up to 21 months, so you can maximize savings.
However, credit cards charge interest if you carry a balance. Read on to learn more. A credit card is a form of revolving credit, meaning you can draw on it and pay at least the minimum monthly payment by the due date. To use your card, you'll either swipe, tap or insert it into a card reader. When shopping online, you'll enter the card number. Then, your credit card's balance increases by the dolla ...
Compare our best interest-free credit cards with Uswitch. Pay no interest on new purchases and existing balances. Find an interest-free credit card now.
Here are some extra tips to avoid credit card interest charges: Pay Your Balance in Full Each Month · Utilise the Grace Period · Understand Your Billing Cycle · Make Payments Before the Due Date · Consider Balance Transfers · Take Advantage of 0% APR Offers · Set Up Automatic Payments · Track Your Spending · Create a Budget · Avoid Cash Advances