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A credit card with an 0% APR introductory offer on new purchases, balance transfers or both can help you avoid interest charges well into the year 2022 or beyond.
What’s better than having a 0% interest rate until 2022? When that credit card comes with a huge bonus offer like $200 cash back and earns you unlimited cash back.
CompareCredit’s personal finance experts have compared over 100 credit cards to give you this list of our partners’ best cash back credit cards. Check out our recommendations below and apply today.
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is the only cash back card with an intro APR of 0% for 18 months on Balance Transfers AND it's the only card that allows you to earn cash back twice.
Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.. There are no limits to how much cash back you can earn and your cash back won't expire. With these great perks, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind.
This card is perfect option for any consumers who don't want to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. And with the top-tier intro APR on balance transfers you could save hundreds of dollars by escaping those pesky interest charges on your current credit card.
Bank of America® Cash Rewards credit card
Enjoy a year of 0% intro APR with the Bank of America® Cash Rewards credit card while you earn cash back for the things you buy most. This card offers 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days. New cardholders earn a whopping $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
On top of the lengthy 0% interest rates, cardholders will enjoy one of the most flexible cash back rewards programs: Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on every purchase. To top it off, you pay no annual fee with this card from Bank of America.
Discover it® Cash Back
The Discover it® Cash Back credit card has been a consumer favorite for many years. With the popular rewards program you get cash back for the things you buy most: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. In addition to the cash back rewards, cardholders receive an intro APR of 0% for 14 months on purchases and balance transfers – all with no annual fee! The ongoing APR is 11.99% - 22.99% Variable.
What really makes this card stand out is the unique cash back intro offer: Discover offers a Dollar-for-dollar match of all cash back earned the first year. There's no signing up. And no limit to how much is matched. This clever rewards structure can be especially beneficial for consumers who don't want to have to spend a hefty amount on their card during the first 3 months in order to receive a sign up bonus. And on the flip side, the fact that there's no limit to the amount of the Cash Back Match means that this card can be extremely rewarding if you're a big spender.