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‘Tis the Season to Use 0% APR Cards to Avoid Interest for up to 21 Months (If You HAVE to Carry a Balance)

Happy New Year! I can’t believe it’s 2019! I’m working on travel plans and my credit card strategy – and soon I’ll have gigantic news to share.

If you spent too much over the holiday season, and carrying a balance is inevitable, consider transferring your balance to a new card with a 0% APR period.  They vary from 12 months to a staggering 21 months! This will hugely minimize the interest you’ll pay.

Depending which card you get, you won’t have to pay it off until January 2020 at the shorter end – or October 2020 at the longer end. That’s awesome!

Or if you have a big purchase coming up, opening a card with a 0% APR period gives you time to pay it back.

I’ve used both strategies successfully. But beware – pay close attention to the dates (which are listed on every statement you’ll get), or you’ll be right back where you started.

Still, it’s a LOT better than carrying a balance and paying huge interest rates. NEVER carry a balance if you can help it!

balance transfer cards

Paying interest negates any rewards you earn. Your balance will grow and you’ll get stuck on a debt treadmill – don’t do it!

Here are card options for balance transfers and big-ticket purchases. Because yes, life happens. Just try to control the damage as best you can.

Get unstuck with balance transfer cards

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9 Best No Annual Fee Credit Cards – All With a 2% or Better Return

Everyone should have at least 1 credit card without an annual fee. When a card is free to keep forever, you never have to second-guess it. And the card works its powers on your credit report to increase available limits, decrease utilization, and help boost the average age of all your accounts.

My oldest credit card is from 2002 and has no annual fee. No matter how many new cards I open, I’ll always have a 16-year-old card to raise the average age of my accounts higher and therefore, my credit score.

When a card has a fee, it’s harder to justify keeping it – unless you get outsized value.

But having a card without an annual fee doesn’t mean you have to give up solid returns. All of the cards on this list can get you 2% back or better.

Chase Freedom is one of the best no annual fee cards – up to 30,000 Chase Ultimate Rewards points per year from 5X earning! I’ll share my top faves

Here’s my list.

9 best no annual fee credit cards

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