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Compare Best 0% Intro and Low APR Credit Cards- Apply & Lower Your Card Interest Rate

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Not all credit cards are created equal. With so many options out there, it is truly a market for cardholders. Credit card companies are doing their best to stand out among their competitors. As a consumer, you can take advantage of this market and choose credit cards with a low APR and 0% introductory rates.

Compare different options and choose the best card to suit your own credit situation. Depending on your credit needs you want to look for a credit card that will make your life easier. If you have a large amount of debt to take care of, you should take advantage of low-interest rates for extended periods. The card should also zero interest on balance transfers as well.

Key Points

  • APR
  • Intro Rates
  • Special Offers and perks
  • Cashback

You can get at least a year of 0% interest with most new accounts. Additionally, you need to look at your usage. If you will be relying on your card to pay for everyday essentials or for shopping at retail stores, grocery stores or gas stations, look into cards with cash back options. The best feeling is knowing that as you spend you can expect a little something back. One of the most important details is security. You need to be able to rely on your creditor to take care of you if your identity or credit card is stolen. Zero liability means that the card company will not force you to pay for fraudulent charges, and is always a great perk to look for. Shop around, do your research and rest assured that market is in your favor.

CHASE Freedom Card

  • Zero percent APR for 15 months
  • No annual fee
  • Cashback
  • $150 bonus
  • Zero fraud liability
  • Mobile payment options

The Chase Freedom card is one of the most competitive credit cards on the market, offering so many different perks for new cardholders. Earn $150 back after you spend $500 on purchases within the first three months. This particular offer is especially good if you know you’ll be making some larger purchases in the next few months. It also bolsters an impressive five percent cash back on purchases up to $1,500. The cash back options and long introductory low APR makes the Chase Freedom card perfect for vacations and long trips.

CITI SimplicityCard

  • 0% intro APR for 21 months
  • 0% on balance transfers for the first 21 months
  • No late fees
  • Account protection
  • Zero liability
  • Mobile pay options

The Citi Simplicity card from the Citi Group offers a very generous zero percent interest rate on purchases and balance transfers for 21 months. That’s a very long time and probably one of, if not the longest intro rate out there. There’s also no late fees or penalty rates and your account is safe from fraud with $0 liability on fraudulent charges and account theft. If you need to take time to pay off debt, you can use the Citi Simplicity card to transfer the balance and use the next 18 months to get ahead.

Wells Fargo Platinum Visa Card

  • 0% intro APR for 18 months
  • No annual fee
  • $600 of cell phone protection
  • Liability protection
  • Free FICO credit score
  • Mobile pay options

The Wells Fargo Platinum card is a simple and straightforward credit card, perfect for anyone looking to trim down their debt. The card also protects against damage and theft up to $600 when you pay your cell phone bill using the card. This is a smart option for those who can sensibly use their card to buffer regular bills.

Bank Of America Cash Rewards Card

  • 0% intro APR for 12 billing cycles
  • $150 bonus on qualifying purchases
  • Cashback on purchases
  • 0% intro APR on balance transfers
  • Mobile pay options
  • Zero fraud liability

The Bank of America Cash Rewards card delivers many chances to earn cash back. With this credit card you can look forward to not only a year without interest on purchases, but one percent cash back on all purchases and an extra two percent on gas.

Discover IT Card

  • Zero intro APR for 14 months
  • No annual fee
  • Cash back up to five percent
  • Matched cash back bonus
  • Cash rewards don’t expire
  • Mobile pay options
  • Zero fraud liability

Along with an extended intro APR, the Discover It card matches the cash back earned at the end of the first year of the account. If cash back is a high priority, the Discover It card could be your best option.

AMEX EverydayCredit Card

  • 12 months zero APR
  • No annual fee
  • Membership Rewards
  • Zero Liability
  • Mobile pay options

The Amex Everyday credit card has increased the number of businesses and establishments that accept it by about 1 million. Earn twice the rewards points in grocery stores.