Best 0% APR Credit Cards for Large Purchases in April 2020
Hello Friends, are you planning to make a large purchase but don’t want to pay a hefty interest rate? Then you’re at the right place. We have researched and compiled a list of the best 0% APR credit cards for large purchases in April 2020. These credit cards offer a 0% intro APR period, which means you can make a large purchase and pay it off over time without accruing any interest. So without further ado, let’s dive in.
1. Chase Freedom Unlimited Visa Cash Back Credit Card
One of the best 0% APR credit cards for large purchases in April 2020 is the Chase Freedom Unlimited Visa Cash Back Credit Card. This credit card offers a 0% intro APR for the first 15 months on purchases. That’s a long time to pay off a large purchase without any interest! Plus, you can earn 1.5% cash back on all purchases, making it a great choice for those who want to get rewarded for their spending.
Why We Like It
– 0% intro APR for 15 months on purchases
– 1.5% cash back on all purchases
– No annual fee
– No minimum redemption amount
Things to Consider
– Balance transfer fee of 3% (minimum $5)
– Foreign transaction fee of 3%
2. Citi Diamond Preferred Card
The Citi Diamond Preferred Card is another great option for those looking for a 0% APR credit card for a large purchase. This credit card offers a 0% intro APR for the first 18 months on purchases. That’s a year and a half to pay off your purchase interest-free! Plus, it has no annual fee, making it an affordable option.
Why We Like It
– 0% intro APR for 18 months on purchases
– No annual fee
– Citi Entertainment perks
Things to Consider
– Balance transfer fee of 3% (minimum $5)
– No rewards program
3. Discover it Balance Transfer
The Discover it Balance Transfer credit card is a great option for those looking to transfer a balance and make a large purchase. This credit card offers a 0% intro APR for the first 18 months on both balance transfers and purchases. Plus, it has a generous cash back program where you can earn 5% cash back on rotating categories and 1% cash back on all other purchases.
Why We Like It
– 0% intro APR for 18 months on balance transfers and purchases
– Cash back program
– No annual fee
– Free FICO score
Things to Consider
– Balance transfer fee of 3%
– Must activate 5% cash back categories each quarter
4. Bank of America Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card is a great option for those looking for a 0% APR credit card for a large purchase. This credit card offers a 0% intro APR for the first 15 billing cycles on purchases. Plus, it has a generous rewards program where you can earn 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.
Why We Like It
– 0% intro APR for 15 billing cycles on purchases
– Cash back program
– No annual fee
– Choose your 3% cash back category
Things to Consider
– Balance transfer fee of 3% (minimum $10)
– Foreign transaction fee of 3%
5. Wells Fargo Platinum Card
The Wells Fargo Platinum Card is a great option for those looking for a simple credit card to make a large purchase. This credit card offers a 0% intro APR for the first 18 months on purchases and balance transfers. Plus, it has no annual fee, making it a great budget-friendly option.
Why We Like It
– 0% intro APR for 18 months on purchases and balance transfers
– No annual fee
– Cell phone protection
Things to Consider
– Balance transfer fee of 3% (minimum $5)
– No rewards program
Conclusion
In conclusion, a 0% APR credit card is a great option if you’re planning to make a large purchase and want to pay it off over time without accruing any interest. The best 0% APR credit cards for large purchases in April 2020 are the Chase Freedom Unlimited Visa Cash Back Credit Card, Citi Diamond Preferred Card, Discover it Balance Transfer, Bank of America Cash Rewards Credit Card, and Wells Fargo Platinum Card. Each credit card has its own pros and cons, so consider your spending habits and choose the one that best fits your needs.
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