When you’re looking for a new credit card, it’s a good idea to figure out which ones have the lowest interest rate because, credit cards with the lowest interest rates can help us save money, while at the same time according us a good credit score. So here are the best zero or flat interest rate credit cards.

AMEX Everyday Card

The AMEX everyday card from American Express is an excellent card for anybody who already has some existing debt, and I’m going to tell you why. This card offers 0% interest APR for the first 15 months for new purchases or even for existing balances on other cards. Which means that means you can transfer over debt from another card onto this AMEX card, and you won’t get charged any interest. However, balance transfers do need to be made within the first 60 days of opening that new credit card, but that’s easy to do. After those 15 months, the interest can balance from 14% to 25% depending on your credit score. So, keep that in mind this card has no annual fees and also allows you to earn rewards what they call points, where you get one point for every $1 you spend and then two points for every $1 you spend at a grocery store.

So, in addition to not charging you interest rates, you’re also going to be earning some extra cash. Also, they have a bonus offer 10,000 points if you spend $1,000 within your first three months. Lastly, like every other card, they provide fraud protection and rewards for different shopping experiences that you might have. So, it’s a great card if you need to transfer over that debt, want to earn some extra cash, pay a meager rate, and skip annual fees.

Chase Freedom Unlimited Card

If you need to make a big purchase that you want to pay off over an extended period, this is the card for you. This is true because there’s 0% APR to start, which lasts for the first 15 months. So, if you need to make a big purchase, you have 15 months to pay it off with no interest required.

Citi Diamond Preferred Card

Now, this is the card that you should look at if you want to pay off debt. This card offers 0% APR for the first 21 months. However, this APR rating is for balance transfers that are made within four months of opening up that card. There is a balance fee of 5% if you’re trying to transfer over that existing debt, but this is not that bad because you’ll have that whole 21 months to pay it all off with no interest so and annual fee.

It’s quite understandable that sometimes, there’s no other option than to get a credit card with the lowest rates so that we can pay back comfortably. However, my note of advice is to keep track of which card you go with, and when that initial offer expires, whether it’s 12 months, 18 months, or 21 months, it’s just a good idea to know when you need to pay everything off.

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