Lock In A 0% APR And Get Unlimited 2% Cash Back

Lock In A 0% APR And Get Unlimited 2% Cash Back

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Last Updated March 16, 2022

The Fed just raised interest rates which means it is a crucial time to lock in a long 0% intro APR. Seeking out a low APR card that also offers cash back rewards makes even more sense. The good news is that credit card issuers are offering extremely long intro APRs, cash back bonuses and stellar ongoing rewards in order to stand out from their competitors and win your business. If you have good to excellent credit (usually considered a score of 670 – 850*) and have not applied for a new credit card recently then one of the cards from our partners below is sure to be a fantastic choice. With many additional interest rate hikes forecasted throughout the remainder of 2022 the time is right to apply.

Critics’ Overview If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.

Intro Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Purchase & Balance Transfer APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then 14.99%-24.99% (Variable)

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From IssuerEarn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 monthsEarn unlimited 2% cash rewards on purchases0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5$0 annual feeNo categories to track or remember and cash rewards don’t expire as long as your account remains openEnjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature ConciergeGet up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active CashSM CardSelect “Apply Now” to learn more about the product features, terms and conditions if you are looking for straightforward cash back

Wells Fargo Active Cash℠ Card Earn a sign up bonus worth $200 in cash rewards by spending at least $1,000 in the first three months after you are approved.

Earn unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about.

New card members will also benefit from 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then 14.99%-24.99% (Variable).

$0 Annual Fee

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Recommended Credit Score

Excellent/Good

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Critics’ Overview If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and even though the annual fee may seem steep ($95) you will not have to pay it your first year of card membership. Plus if you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.

Intro Bonus

Earn $300 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Purchase APR

0% intro APR for 12 months, then 13.99%-23.99% Variable

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$0 introductory annual fee for the first year, then $95.

Card Details From IssuerEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.$0 intro annual fee for the first year, then $95.Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).6% Cash Back on select U.S. streaming subscriptions.3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).1% Cash Back on other purchases.Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.Terms Apply. if you are looking for the highest rate on groceries

Blue Cash Preferred® Card from American Express Earn a $300 welcome bonus after you spend $3,000 in purchases on your new card within the first 6 months. Earn a massive 6% back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% back on select U.S. streaming subscriptions, and 3% back at U.S. gas stations and on transit. All of your other eligible purchases will earn you 1% back.

New card members will also benefit from 0% intro APR for 12 months on purchases, then 13.99%-23.99% Variable.

The $95 annual fee is waived the first year, plus if you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee.

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Recommended Credit Score

Good – Excellent

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Updated March 16, 2022

Critics’ Overview The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees. With an easy to achieve intro bonus, fantastic ongoing cash back rewards and very generous intro-APR periods for purchases and balance transfers, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.

Intro Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 13.99% – 23.99% Variable APR will apply.

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From Issuer$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.No annual fee and no expiration on rewards.0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% – 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.Contactless Cards – The security of a chip card, with the convenience of a tap.This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. If you want to have control over your cash back categories

Bank of America® Customized Cash Rewards credit card Earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening.

You decide which category you’ll earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases.

New card members will also benefit from 0% Intro APR for 15 billing cycles for purchases, and for any b

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