The best credit cards with 0% APR and cash back rewards are the American Express Blue Cash Everyday card, the Capital One Quicksilver card, the Capital One SavorOne card, the Chase Freedom Unlimited card, and the Bank of America Cash Rewards card. All 5 of these credit cards come with 0% APR periods on purchases and some on balance transfers. All offer higher-than-average ongoing cash back rewards. And none have annual fees. They all offer cash back signup bonuses of $150 or more, too.
The Amex Blue Cash Everyday card is for people with good credit or better. It offers above-average cash back in popular spending categories, which will add up for many people. You’ll get 3% back at U.S. supermarkets up to $6,000 spent annually, 2% back at gas stations and department stores, and 1% back on everything else. Plus, spend $1,000 in the first 3 months and you’ll get a $150 bonus. There’s also a long 15-month 0% APR period on new purchases.
The Bank of America Cash Rewards card has bonus cash back categories, too, but it lets you choose which one you’ll earn 3% back on. You’ll also earn 2% back at grocery stores and wholesale clubs (up to $2,500 spent each quarter in the 2-3% bonus categories), and 1% on all other purchases. This card has the highest signup bonus of these choices: $200 after spending $1,000 in the first 3 months. Excellent credit is required for this card.
The Capital One Quicksilver card doesn’t have any bonus categories, but what it does have is unlimited 1.5% Cash Back on all purchases. It also gives a $150 bonus after you spend $500 in the first 3 months, plus 0% for 15 months on purchases. Good credit is required. The Chase Freedom Unlimited card is very similar, by the way.
The Capital One SavorOne card is the little cousin of the Capital One Savor card, but it has no annual fee and a nice combination of rewards and perks. People who savor a good meal will like the 3% cash back at restaurants and 2% back at grocery stores. You’ll get 1% back on everything else. Good credit is required.
Overall, many credit cards have 0% APR periods of a year or longer. The best credit card with 0% APR and cash back rewards will depend on what you spend your money on.
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