0% APR
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
N/A
Intro Offer
$0
Annual Fee
18.24% - 28.99% Variable APR
Regular APR
Excellent: 781 - 850
Recommended
Credit Score
Pros & cons
No annual fee.
Low introductory APR on both purchases and balance transfers for months.
$0 liability on unauthorized charges.
Free access to your FICO Score.
Mastercard ID Theft Protection™ available at no additional charge.
Does not earn rewards or cash back.
Balance transfer fee applies.
Card Details
The Citi Diamond Preferred Card offers a long introductory APR period on both purchases and balance transfers, making it an attractive option for those looking to pay down debt or finance new purchases without accruing interest. With no annual fee and added benefits like $0 liability on unauthorized charges and free access to your FICO Score, this card is designed for users who prioritize savings on interest over earning rewards. The card also includes Mastercard ID Theft Protection™, providing an extra layer of security for cardholders.
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Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
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Recommended
Credit Score
Pros & cons
No annual fee.
No late fees.
No penalty rate.
$0 liability on unauthorized charges.
Low intro APR on balance transfers and purchases for months.
Balance transfer fee applies after the introductory period.
No rewards or cash back program.
Card Details
The Citi Simplicity Card keeps things simple! Enjoy no annual fee, no late fees, and no penalty rate. Get a low intro APR on purchases and balance transfers for a limited time. Just note, there’s no rewards program – this card is ideal for those prioritizing budgeting and building credit score.
Chase Slate Edge
Rewards rate
5x on travel purchased through Chase Ultimate Rewards
3x on dining
2x on all other travel purchases
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Intro Offer
$0
Annual Fee
20.49%–29.99% variable APR
Regular APR
Good: 661 - 780
Recommended
Credit Score
Pros & cons
0% intro APR for 18 months on purchases and balance transfers allows for interest-free payments during the introductory period.
Automatic consideration for a purchase APR reduction by 2% annually when you pay on time and spend at least $1,000, until the APR reaches Prime Rate plus 9.74%.
Complimentary 3 months of DashPass and Instacart+ memberships, providing benefits such as $0 delivery fees on eligible orders.
Enhanced security features and consumer protections, including Zero Liability Protection, fraud monitoring, and extended warranty on purchases.
Post-intro 0% APR, rates rise to 20.49%-29.99% based on creditworthiness.
Balance transfer fees kick in post-initial period, possibly lowering savings.
APR reduction and credit limit boosts need specific spend/payment habits.
DashPass and Instacart+ perks are free for a limited period; fees post-trial.
Card Details
The Slate Edge offers a budget-friendly way to manage your finances and earn travel rewards. Enjoy a $0 annual fee and a lengthy 0% intro APR period on both purchases and balance transfers, potentially saving you significant interest charges. Earn up to 5x points on travel booked through Chase, and get complimentary DashPass and Instacart+ memberships for an initial 3 months. The card also offers opportunities to lower your APR and enhanced security features. After the introductory period, be mindful of the higher variable APR range, and note potential balance transfer fees. This card is ideal for those seeking interest savings, everyday rewards, and added purchase protection.