Best Travel Credit Card with 0% intro APR

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Credit cards to reward travel 0% Introduction APRS Purchases and balance transfers often do not coexist. Having a travel reward and an APR of 0% is an incredible perk in itself, but when you combine the two, there are credit cards that will save you a lot of money while traveling.

Best Travel Rewards Credit Card It allows you to save a lot of travel-related expenses, but an introductory 0% APR will save you money on expensive interest costs. Both of these benefits can make a big difference with the budget, especially between Economic uncertainty.

Top Travel Cards with 0% Introductory APR Offer

We chose our next credit card and found a list of top contenders. 0% intro APR for purchasing or balance transferand more, travel rewards are higher.

Compare the best travel cards with 0% introductory APR

How to Choose the Best 0% APR Travel Credit Card

Finding the right 0% APR travel credit card may be easier than finding your next trip. To keep it as simple as possible, compare several different cards and consider the ones that make the most sense as card holders. Here are some steps to help you get started:

Find out how long you need a break from interest

Find out the duration of the 0% intro APR offer for each potential card and whether it applies to your purchase, Balance Transfer Or both. Is the period long enough for you to achieve your financial goals?

For example, if you make a large purchase, 12 months may be enough time to make monthly payments. Pay the whole balance. Alternatively, you may need a longer period to consolidate and repay balance transfers from high profit credit cards.

Determine whether you are willing to pay the annual fee

Some credit cards do not have an annual fee, but others may charge hundreds of dollars a year simply to carry your card. However, an increase in annual fees usually means other benefits, such as a more robust compensation program or an attractive welcome offer. offset the annual fee costs If you use it wisely.

Compare the continuous APRs of each card

April ongoing Once the zero promotion interest rate ends, interest will be applied to your credit card. This rate is actually set when you open your account, even if it is not valid for several months. Please note that many credit card issuers use variable APRs instead of fixed ones. This means that the rate may change.

Learn what travel rewards for each card are worth

You want to know How valuable is travel reward? When you redeem them. Points or miles values ​​are not only registered reward programs, but How to redeem them. For example, Wells Fargo points are on average worth 1.0 cents each, and are usually redeemable only for cashback. On the other hand, each capital mile is worth an average of 1.7 cents and may vary depending on the travel partner you are transferring.

How to calculate the value of points and miles

You can calculate the reward points and miles value by dividing the cost of your trip in cash (such as a hotel room or flight) by the cost of points or miles. For example, if you find a flight that costs $300 or 25,000 points, the value of points for this flight would be 1.2 cents per point ($300 ÷ 25,000 = 0.012, or 1.2 cents).

Once you have estimated the general values, you can compare them with the reward point values ​​listed in the bank rate to see if the values ​​are equal or superior to the standard. Please note that the value of your points or miles depends not only on the programs you are enrolling in, but also on what you are booking.

How to make the most of your zero profit period

If your Travel Rewards card offers a zero-in test period, there are ways to maximize your profits:

• Don’t miss payment due date: In most cases, zero profit offers will be cancelled If you missed your payment The APR then returns to the ongoing APR, with costly interest charges. This usually applies even if you miss a payment in one day, so set a reminder to pay before the due date.
• Repay the balance transfer before the period ends: If zero-in testing is applied to balance transfer, the best approach is to pay for the whole balance. End of the promotion period. Normally, if the balance remains at the end of the period, it will be subject to ongoing APR interest. Set a reminder on your calendar and repay all remaining by the end date.
• Stick to your budget and stick to: It’s important to stay at the pinnacle of your Interest Card Zero Card monthly payments and make them part of your ongoing budget that you plan for each month. Payments below the minimum amount to pay can lose zero profits.
• Know the ongoing APR for your credit card: An ongoing APR is the interest rate that you can expect to pay once your card returns from the promotional APR. If you think you can carry balances to your card or you have some left after the balance transfer, look for cards with as much continuous APR as possible.

What’s next?

Conclusion

While earning travel rewards with credit cards Using the 0% Introductory APR It may seem that not the case, but in reality it is very viable with a few credit card options. Comparing multiple cards is beneficial to you, so you can see which ones best suit your financial needs. Utilizing zero profit periods to maximize your potential travel rewards can result in significant savings.

*Information about CitiCustomCash® cards is collected independently by bank rates. Card details have not been reviewed or approved by the issuer.

Bank of America content for this post was last updated on April 25th, 2025.

0% Intro APR Travel Card Frequently Asked Questions