Best 0% Credit Cards of 2023
By Article Posted by Staff Contributor
The estimated reading time for this post is 110 seconds
Best 0% Credit Cards of 2023 for you to finance debt or make new purchases interest-free for up to 21 months. You can refinance your high-interest credit cards or finance this year’s family vacation interest-free.
Credit card issuers are competing for a space in your wallet. You can benefit from the industry’s fierce competition if you use credit cards wisely.
The average annual percentage rate (APR) on credit cards is 17.8 percent. If you have a good credit score, you should think about applying for one of the best 0% introductory APR credit cards and transferring your outstanding credit balance:
Best 0% Credit Cards of 2023
Credit Card Issuer | 0% Intro APR* | APR | Notes |
City Simplicity Card | 0% Intro APR on balance transfers for 21 months from date of first transfer. | the variable APR will be 14.74% – 24.74%, based on your creditworthiness. | All transfers must be completed in the first 4 months. |
Wells Fargo ReflectSM Card | 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. | 12.99% to 24.99% variable APR thereafter | Balance transfers made within 120 days qualify for the intro rate and fee. |
U.S. BANK VISA® PLATINUM CARD | 0% introductory APR*(view terms and conditions) on purchases and balance transfers for 20 billing cycles. | After that the APR is variable, currently 14.49%-24.49%(view terms and conditions). | U.S. Bank Platinum Visa® Card: 0% introductory APR for the first 20 billing cycles for balances transferred within 60 days from account opening |
Citi® Double Cash Card | Introductory rate of 0% for 18 months from date of first transfer for balance transfers | APR will be 13.99% – 23.99%, based on your creditworthiness. | Balance transfers must be completed within 4 months of account opening. |
Capital One SavorOne Cash Rewards Credit Card | 0% introductory APR for the first 15 months that your account is open. | 14.99%, 20.99% or 24.99%, based on your creditworthiness. | within the first 3 months from account opening |
Chase Freedom Unlimited | 0% Intro APR on Purchases for 15 months | 14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a | Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. |
Discover I Balance Transfer | 0% intro APR‡ for 18 months on balance transfers. | APR: 11.99% variable to 22.99% variable, based on your creditworthiness. | 0% intro APR for 6 months from date of account opening. |
RELATED ARTICLES
Financial Nihilism: How Millennials and Gen Z Are Betting Against Economic Reality
The estimated reading time for this post is 181 seconds A few days ago, I saw a social media video of a guy who, not even 35 years old, spent a considerable amount of time in line at a Caesars...
Saving vs. Investing: What’s the Difference?
The estimated reading time for this post is 173 seconds When managing your finances, two terms often pop up: saving and investing. But what’s the difference, and how do you decide which one’s right for you? Understanding these concepts can...
Leave Comment
Cancel replyFinancial Nihilism: How Millennials and Gen Z Are Betting Against Economic Reality
Saving vs. Investing: What’s the Difference?
Exploring the Financial Challenges of the Unbanked: Insights from the FDIC’s 2023 Survey
Gig Economy
American Middle Class / Nov 02, 2024
2025 401(k) limit: $23,500; IRA limit unchanged
The estimated reading time for this post is 191 seconds Maximize Your Retirement Savings in 2024: Key IRS Adjustments to Know Saving for retirement just got...
By Article Posted by Staff Contributor
American Middle Class / Oct 30, 2024
US Economy Update
The estimated reading time for this post is 139 seconds The Bureau of Economic Analysis (BEA) report indicates solid economic growth in the third quarter of...
By FMC Editorial Team
American Middle Class / Oct 29, 2024
Zero-Based Budgeting: A Guide on Tracking Every Dollar to Maximize Savings
The estimated reading time for this post is 324 seconds Introduction: Why Zero-Based Budgeting? Have you ever gotten to the end of the month and wondered...
By Article Posted by Staff Contributor
American Middle Class / Oct 26, 2024
10 Credit Cards with the Highest Annual Percentage Rates (APR) on Purchases and Cash Advances
The estimated reading time for this post is 362 seconds When you’re on the hunt for a credit card, there are many things to consider—the rewards...
By Article Posted by Staff Contributor
American Middle Class / Oct 18, 2024
The Hidden Costs of Financial Procrastination
The estimated reading time for this post is 354 seconds You might think delaying your financial decisions isn’t a big deal. But let me tell you,...
By Article Posted by Staff Contributor
American Middle Class / Mar 17, 2025
Financial Nihilism: How Millennials and Gen Z Are Betting Against Economic Reality
The estimated reading time for this post is 181 seconds A few days ago, I saw a social media video of a guy who, not even...
By MacKenzy Pierre
American Middle Class / Nov 24, 2024
Saving vs. Investing: What’s the Difference?
The estimated reading time for this post is 173 seconds When managing your finances, two terms often pop up: saving and investing. But what’s the difference,...
By Article Posted by Staff Contributor
American Middle Class / Nov 15, 2024
Exploring the Financial Challenges of the Unbanked: Insights from the FDIC’s 2023 Survey
The estimated reading time for this post is 266 seconds Introduction In 2023, about 4.2% of U.S. households—equivalent to approximately 5.6 million families—remained unbanked. Despite years...
By FMC Editorial Team
American Middle Class / Nov 09, 2024
Should You Rent vs Buy a Home? How to Decide.
The estimated reading time for this post is 327 seconds The question of whether to rent or buy a home has been overanalyzed by just about...
By MacKenzy Pierre
American Middle Class / Nov 05, 2024
Creating an Emergency Fund: Why Everyone Needs One and How to Build It Quickly
The estimated reading time for this post is 331 seconds Introduction: The Safety Net You Can’t Afford to Ignore Life is full of unexpected events—whether it’s...
By Article Posted by Staff Contributor
American Middle Class / Nov 02, 2024
2025 401(k) limit: $23,500; IRA limit unchanged
The estimated reading time for this post is 191 seconds Maximize Your Retirement Savings in 2024: Key IRS Adjustments to Know Saving for retirement just got...
By Article Posted by Staff Contributor
American Middle Class / Oct 30, 2024
US Economy Update
The estimated reading time for this post is 139 seconds The Bureau of Economic Analysis (BEA) report indicates solid economic growth in the third quarter of...
By FMC Editorial Team
American Middle Class / Oct 29, 2024
Zero-Based Budgeting: A Guide on Tracking Every Dollar to Maximize Savings
The estimated reading time for this post is 324 seconds Introduction: Why Zero-Based Budgeting? Have you ever gotten to the end of the month and wondered...
By Article Posted by Staff Contributor
American Middle Class / Oct 26, 2024
10 Credit Cards with the Highest Annual Percentage Rates (APR) on Purchases and Cash Advances
The estimated reading time for this post is 362 seconds When you’re on the hunt for a credit card, there are many things to consider—the rewards...
By Article Posted by Staff Contributor
American Middle Class / Oct 18, 2024
The Hidden Costs of Financial Procrastination
The estimated reading time for this post is 354 seconds You might think delaying your financial decisions isn’t a big deal. But let me tell you,...
By Article Posted by Staff Contributor
American Middle Class / Mar 17, 2025
Financial Nihilism: How Millennials and Gen Z Are Betting Against Economic Reality
The estimated reading time for this post is 181 seconds A few days ago, I saw a social media video of a guy who, not even...
By MacKenzy Pierre
American Middle Class / Nov 24, 2024
Saving vs. Investing: What’s the Difference?
The estimated reading time for this post is 173 seconds When managing your finances, two terms often pop up: saving and investing. But what’s the difference,...
By Article Posted by Staff Contributor
American Middle Class / Nov 15, 2024
Exploring the Financial Challenges of the Unbanked: Insights from the FDIC’s 2023 Survey
The estimated reading time for this post is 266 seconds Introduction In 2023, about 4.2% of U.S. households—equivalent to approximately 5.6 million families—remained unbanked. Despite years...
By FMC Editorial Team
American Middle Class / Nov 09, 2024
Should You Rent vs Buy a Home? How to Decide.
The estimated reading time for this post is 327 seconds The question of whether to rent or buy a home has been overanalyzed by just about...
By MacKenzy Pierre
American Middle Class / Nov 05, 2024
Creating an Emergency Fund: Why Everyone Needs One and How to Build It Quickly
The estimated reading time for this post is 331 seconds Introduction: The Safety Net You Can’t Afford to Ignore Life is full of unexpected events—whether it’s...
By Article Posted by Staff Contributor
Latest Reviews
American Middle Class / Mar 17, 2025
Financial Nihilism: How Millennials and Gen Z Are Betting Against Economic Reality
The estimated reading time for this post is 181 seconds A few days ago, I...
American Middle Class / Nov 24, 2024
Saving vs. Investing: What’s the Difference?
The estimated reading time for this post is 173 seconds When managing your finances, two...
American Middle Class / Nov 15, 2024
Exploring the Financial Challenges of the Unbanked: Insights from the FDIC’s 2023 Survey
The estimated reading time for this post is 266 seconds Introduction In 2023, about 4.2%...