Background

 

Who could’ve predicted that just three months into 2020, the economy has come to a screeching halt and many are left wondering how to pay their monthly bills. For students, self-employed contractors, families with young children, recently unemployed individuals (just to name a few), the monthly expenses continue to pile up while the uncertainty of where or when they’ll receive their next paycheck builds. One short-term solution that can help alleviate these concerns, is signing up for a personal loan. Another way is with a 0% APR credit card.is signing up for a 0% APR credit card. There are a number of quality credit cards in the market that offer 0% interest on credit card debt that’s accrued for up to one year or more! Below, I’ll review some of the top 0% APR credit cards available as of March 2020.

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Top 0% APR Credit Cards – March 2020 

Chase Freedom Unlimited

 

 

Highlights: 

  • $150 bonus after spending $500 in 3 months
  • Earn unlimited 1.5% cash back on all purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 – 25.24%
  • $0 annual fee
FlyMiler Recommends:

The Chase Freedom Unlimited is Chase’s best no annual fee cash back card. Besides the $150 sign up bonus, you’ll also earn unlimited 1.5% cash back on all purchases! Additionally, the 0% intro APR lasts 15 months and will help those who need time to pay down their expenses over the next 1+ year.

 

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Blue Cash Everyday Card from American Express

 

 

Highlights: 

  • $150 welcome bonus after spending $1,000 in 3 months
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • 0% intro APR for 15 months on purchases and balance transfers, then a variable rate, currently 12.99% to 23.99%.
  • $0 annual fee
  • Terms Apply
FlyMiler Recommends:

Although this card carries a slightly higher spend requirement to receive the same $150 welcome bonus as the Chase Freedom Unlimited, you have the opportunity to earn 3% cash back at US supermarkets (capped at $6k per year) and 2% cash back at US gas stations and department stores. You’ll also receive an intro APR of 0% for 15 months and no annual fee.

 

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Capital One® Quicksilver® Cash Rewards Credit Card

 

 

Highlights: 

  • $150 early spend bonus after spending $500 in 3 months
  • Earn unlimited 1.5% cash back on all purchases
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • $0 annual fee and no foreign transaction fees
FlyMiler Recommends:

Very similar to the Chase Freedom Unlimited, this card also comes with $150 spend bonus, 1.5% unlimited cash back, and 0% intro APR for 15 months. Some folks are unable to apply for Chase credit cards if they’ve had 5 new credit cards in the last 24 months (5/24 rule), so the Capital One Quicksilver Cash Rewards Card is a great alternative.

 

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Capital One® SavorOne® Cash Rewards Credit Card

 

 

Highlights: 

  • $150 early spend bonus after spending $500 in 3 months
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • $0 annual fee and no foreign transaction fees
FlyMiler Recommends:

Similar bonus offers to the other three cards, but this card also earns unlimited 3% cash back on dining and entertainment, as well as 2% cash back at grocery stores. 0% intro APR for 15 months and no annual fees or foreign transaction fees.

 

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Conclusion

With a number of great 0% APR credit cards that offer protection from incurring high interest for the first 15 months, you’ll have the opportunity to slowly pay off your debt while we all recover from the current pandemic. May we all find happiness and health in these trying times and help each other out in any way we can. If you have any questions at all related to finances, credit cards, or travel, please do not hesitate to reach out to theflymiler@gmail.com.

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