CREDIT CARD NO INTEREST FIRST YEAR

Best No-Interest Credit Cards for 2021

Introduction

Hello Friends, in this article, we will be discussing the best no-interest credit cards available in 2021. Credit cards are essential for managing your finances, but interest charges can add up quickly. Fortunately, many credit card companies offer cards with no interest for a limited period, which can help you save money and pay off your debt faster.

Why Should You Consider a No-Interest Credit Card?

If you’re someone who carries a balance on your credit card, a no-interest credit card can be an excellent option for you. These cards offer an introductory period, usually ranging from 6 to 24 months, during which you won’t have to pay any interest on your purchases or balance transfers. This period allows you to pay off your debt without accruing any additional charges, making it easier for you to become debt-free.

The Benefits of a No-Interest Credit Card

Let’s take a closer look at some of the benefits of a no-interest credit card:

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1. Reduced Interest Charges – One of the main benefits of using a no-interest credit card is the lack of interest charges. This means that you can save money on your purchases and pay off your balance quicker.

2. Debt Consolidation – If you have multiple credit cards or other debts, you can consolidate them with a no-interest credit card. This will allow you to simplify your finances and pay off all your debts in one place.

3. Improved Credit Score – Using a no-interest credit card responsibly can help you improve your credit score. By making your payments on time and keeping your balance low, you can demonstrate to lenders that you’re a responsible borrower.

The Top No-Interest Credit Cards of 2021

Now that you know the benefits of using a no-interest credit card let’s take a look at the top options available in 2021.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers a sign-up bonus of $200 when you spend $500 in the first three months after account opening. It also offers 0% APR for 15 months on both purchases and balance transfers. Additionally, there are no annual fees and you’ll earn 1.5% cash back on all purchases.

Features of the Chase Freedom Unlimited Card

– No annual fees
– 0% APR for 15 months on purchases and balance transfers
– $200 sign-up bonus when you spend $500 in the first three months
– 1.5% cash back on all purchases

2. Citi Simplicity Card

The Citi Simplicity Card is another great option for a no-interest credit card. It offers 0% APR for 18 months on balance transfers and purchases. Additionally, there are no annual fees, late fees, or penalty APRs.

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Features of the Citi Simplicity Card

– No annual fees
– 0% APR for 18 months on balance transfers and purchases
– No late fees or penalty APRs

3. Discover it Cash Back Card

The Discover it Cash Back Card offers 0% APR for 14 months on purchases and balance transfers. Additionally, it offers up to 5% cash back on purchases in rotating categories, and 1% cash back on all other purchases.

Features of the Discover it Cash Back Card

– No annual fees
– 0% APR for 14 months on purchases and balance transfers
– Up to 5% cash back on purchases in rotating categories
– 1% cash back on all other purchases

4. Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express offers 0% APR for 15 months on purchases and balance transfers. It also gives you up to 3% cash back at U.S. supermarkets, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

Features of the Blue Cash Everyday Card from American Express

– No annual fees
– 0% APR for 15 months on purchases and balance transfers
– Up to 3% cash back at U.S. supermarkets
– Up to 2% cash back at U.S. gas stations and select U.S. department stores
– 1% cash back on all other purchases

5. Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers 0% APR for 18 months on purchases and balance transfers. Additionally, it has no annual fees, and you can receive cell phone protection up to $600 if you pay your monthly phone bill with the card.

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Features of the Wells Fargo Platinum Card

– No annual fees
– 0% APR for 18 months on purchases and balance transfers
– Cell phone protection up to $600 if you pay your monthly phone bill with the card

Conclusion

No-interest credit cards can help you save money and pay off your debt faster. With the variety of options available in 2021, you can select the card that fits your financial needs and lifestyle. Remember to use your credit card responsibly and pay off your balance before the introductory period ends to avoid accruing interest charges. Thank you for reading, and we hope to see you in our next informative article.

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