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As credit cards are well known for financing big purchases and consolidating debt and most of the people give preference to cash back cards as the bonuses are easy to redeem . The cashback credit cards offer 0% APR is a cherry on the top as with rewards and 0 interest for the duration of 12-15 months you can reap the full fledge benefits. For the cashback 0 APR credit cards, some are so good that they charge no annual fee to leverage their services.

The cashback credit cards offer 0% APR benefits the user to apply for balance transfers and purchases with interest-free payments for a limited time. Even after this introductory offer ends cashback credit cards pave the way to earn cash rewards on regular purchases. Read on to know the introductory APR period, rewards for the best cashback 0 APR credit cards.

 Key Takeaways for the best cashback credit cards offer 0% APR

  •  Choosing the cash back credit cards with 0% APR gives an easy approach to make big purchases with no interest rate
  •  If you opt for cashback credit cards offer 0% APR, you will save substantial amount of money without the tension to pay for the incurring interest charges
  • With the cashback credit cards you will receive bonus in the form of cashback that can redeemed as statement credit for various purchases, even after the introductory APR period ends

Best cashback 0 APR credit cards

  •  Discover it® Cash Back – Best overallcashback credit cards offer 0% APR on purchases and balance transfers
  •  Wells Fargo Active® Cash Card – Best flat-ratecashback 0 interest credit cards for qualifying balance transfers and purchases
  •  Discover it ® Chrome – Best no annual fee cash back card with 0% APR on purchases and balance transfers
  •  Chase Freedom Unlimited® – Great pick for earning bonus rewards with 0% APR
  •  Capital one SavorOne Cash Rewards Credit Card – Good option for cash back on dining along with 0 interest charges for a specific duration

Charting the Best cashback 0 APR credit cards

CardBest forAnnual feeIntroductory APR offer
Discover it® Cash BackRotating 5% cash back categories$00% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Wells Fargo Active® Cash CardFlat-rate 2% cash back on all purchases$00% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Discover it ® ChromeRotating 5% cash back categories and gas and grocery bonus categories$00% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Chase Freedom Unlimited®Everyday bonus categories and 1.5% cash back on all other purchases$00% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Capital One SavorOne Cash Rewards Credit CardDining, groceries, and entertainment$00% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Discover it® Cash Back

Discover it® Cash Back - cashback credit cards offer 0% APR
Annual Fee $0
 Regular APR17.24%- 28.24% (Variable APR)
Required Credit Score Good to Excellent in the range of 690-850 

Best for

The Discover it® Cash Back with its unlimited cash back match at the end of the first year is for all those who want to try their luck to get greater cash back. The first-year cash-back match is the greatest benefit of the card that compels users to opt for this option. In addition, being one of the top choice for the cashback credit cards offer 0% APR on purchases and qualifying balance transfers

Introductory APR offer of No #1 Cashback 0 APR credit cards

 The annual fee of this card is $0 and it offers 0% introductory APR for 15 months on balance transfers and purchasesBeing one the best cashback 0 APR credit cards, it charges a variable APR starting with 17.24%.

Rewards offered by Discover it® Cash Back

This card offers 5% cash back on the rotating categories in each quarter with a spending cap of $1,500 in each quarter. As the categories are activated quarterly so it is important to keep tabs on it. On all the other purchases you get 1% cashback. The bonus categories for this card includes the restaurants, gas stations, grocery, and more 

Wells Fargo Active® Cash Card

Wells Fargo Active® Cash Card
 Annual Fee $0
 Regular APR 20.24%. 25.24%,29.99% (Variable APR)
Required Credit Score Good to Excellent in the range of 690-850 

 Best for

The Wells Fargo Active® Cash Card is regarded as the top choice for all the individuals who want to gain flat-rate cashback . Without the hassle of keeping a track on the bonus categories you can spend the amount evenly on your basic needs to earn rewards. As few cashback credit cards offer 0% APR, so this one is regarded as the good deal for people who want to make purchases without incurring interest rate in the duration for more than a year.

 Introductory APR offer of No #2 Cashback 0 APR credit cards

 With no annual fee the Wells Fargo Active® Cash Card comes with 0 percent APR on purchases and qualifying bank transfers that are made within the 120 days in the duration of 15 months. Afterwards one of the cashback credit cards offer 0% APR charges variable APR in the range of 20.24%. 25.24%,29.99% as per your credit score.

 Rewards offered by Wells Fargo Active® Cash Card

With minimal spending of $500 in 3 months, this card can help you gain a cashback of $200, which is regarded as the welcome bonus for this card. In addition, you can earn 2 percent cash back on all the purchases with no spending limits.

 To benefit the users it provides $600 cell phone protection in case of theft . But for this, you have to pay for the cellphone charges using the Wells Fargo Active Cash Card.

Best no annual fee credit cards

 Free money with no strings attached? Yes, you heard it right. With the best no annual fee credit cards you can make purchases and get rewards without having the tension to pay the yearly costs

Discover it ® Chrome 

Discover it ® Chrome 
Annual Fee $0
 Regular APR 17.24%- 28.24% (Variable APR)
Required Credit Score Good to Excellent in the range of 690-850 

Best for

Discover it ® Chrome is advertised as the card that is a good option for all the road trips Though it is also know as the medium -length balance transfer card . Being in the list of the cashback credit cards offer 0% APR, it can help you make big purchases easily. Although the rate reward is less generous but among no annual fee cards this is a viable option.

Introductory APR offer of No #3 Cashback 0 APR credit cards

There are few cashback credit cards that offer 0% APR for an extended duration. One such credit card is Discover it ® Chrome which provides 0% intro APR for a duration of 15 months. Afterward, a standard variable APR that lies in the range of 17.24%- 28.24% applies as per your creditworthiness.

Rewards offered by Discover it ® Chrome 

With this card, you can earn 2% cashback on restaurants and gas stations with a spending limit of $1,000 on combined purchases in each quarter. Moreover, you get 1% cash back on all the other purchases you make through this card.

Chase Freedom Unlimited®

Chase Freedom Unlimited®
Annual Fee $0
 Regular APR 20.49%- 29.24% (Variable APR)
Required Credit Score Good to Excellent in the range of 690-850 

Best for

This card offers a compelling combination of rewards along with flexible redemption option for the ease of the users. Being one of the best cashback 0 APR credit cards its perfect fit for people who spend generously on travel , dining and other drugstore purchases. The rewards can be redeemed as gift cards , statement credit for travel dining and much more. If you don’t want to travel through Chase , fret not as this card gives you the option to transfer the points to the travel partners .

Introductory APR offer of No #4 Cashback 0 APR credit cards

 With no annual cost, you can benefit from the cashback credit cards offer 0% APR for a duration of 15 months. The 0% introductory APR is applicable on purchases and balance transfers as well. Afterwards, the cardholders have to pay a variable APR ranging from 20.49%- 29.24% based on the creditworthiness.

Rewards offered by Chase Freedom Unlimited®

Chase Freedom Unlimited provides a welcome bonus of $200 with a total spending of $500 on purchases within 90 days of the account opening. If the travel is booked through the Chase Ultimate Rewards you get 5 % cash back.

 While on dining and drug store purchases, you get 3% cash back and for everything else, the cashback rate is 1.5%. In addition, until March 2025, you can get 5 % cash back on the Lyft .

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card
Annual Fee $0
 Regular APR 19.99%- 29.99% (Variable APR)
Required Credit Score Good to Excellent in the range of 690-850 

Best for

As food and entertainment purchases are the focus of this card so it is particularly good for all those who prefer to dine out and have fun with their family and friends . This is a great introduction in the world of reward credit cards across a wide swath of categories. Without further ado , if you want to leverage this card apply for it right now.

Introductory APR offer of No #5 Cashback 0 APR credit cards

 Despite having an annual fee of $0 these cashback credit cards offer 0% APR on balance transfers and purchases for 15 months. It is important to note that 3% balance transfer fee is applicable in the introductory APR period along with the variable APR of 19.99%- 29.99%.

Rewards offered by Capital One SavorOne Cash Rewards Credit Card 

 For all those who prefer to spend on entertainment through Capital One entertainment purchases, this card lets you earn 8% cash back on purchases. And if you book hotels , car rentals through Capital one Travel you get 5% cash back.

 Being one of the viable options in cashback credit cards offer 0% APR, it lets you earn 3% cash back on grocery stores (Excluding Walmart and Target ) , dining and all the other popular streaming services. Also , on all the other purchases you get 1% cash back .

Best U.S Credit Cards for Entertainment Purchases

 From streaming services, concert tickets to all other entertainment purchases, these cards will let you maximize your earnings. Based on your spending habits, Capital One SavorOne Cash Rewards Credit Cardis the top pick for the concert junkies and movie buffs.

 Frequently Asked Questions

 Which is the best cash back credit card with 0 APR?

Discover it® Cash Back is the top choice to get 0% APR and cash rewards in the same card.

Why cashback 0 interest credit cards are preferred ?

Although no credit card offers interest-free payment for a lifetime there are some options that charge 0 interest for some specific period of time. Grab one of the 0% APR credit card for all the big purchases. 

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