Managing credit wisely often begins with finding the right credit card to match your financial goals. This December, we've compiled a list of the best 0% APR credit cards available to help you save on interest for purchases or balance transfers. Whether you're consolidating debt or planning a big expense, these cards offer extended interest-free periods to make repayment more manageable.

1. Wells Fargo Reflect® Card

• Intro Offer: 0% APR for 21 months on purchases and balance transfers (variable APR thereafter: 17.49%–29.24%).
• Annual Fee: $0
• Average Approved Credit Limit: $10,850

2. U.S. Bank Visa® Platinum Card

• Intro Offer: 0% APR for 21 months on purchases and balance transfers (variable APR thereafter: 17.99%–28.99%).
• Annual Fee: $0
• Average Approved Credit Limit: $14,833

3. Citi Simplicity® Card

• Intro Offer:
  • 0% APR for 21 months on balance transfers (within the first 4 months of account opening).
  • 0% APR for 12 months on purchases.
  • (Variable APR thereafter: 18.49%–29.24%).
• Annual Fee: $0
• Average Approved Credit Limit: $8,840

4. Citi® Diamond Preferred® Card

• Intro Offer:
  • 0% APR for 21 months on balance transfers (within the first 4 months of account opening).
  • 0% APR for 12 months on purchases.
  • (Variable APR thereafter: 17.49%–28.24%).
• Annual Fee: $0
• Average Approved Credit Limit: $17,729

5. Citizens Bank Clear Value®

• Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 16.74%–26.74%).
• Annual Fee: $0
• Average Approved Credit Limit: $12,480

6. Citi Double Cash® Card

• Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 18.49%–28.49%).
• Annual Fee: $0
• Average Approved Credit Limit: $6,821

7. Bank Americard®

• Intro Offer: 0% APR for 18 months on purchases and balance transfers (variable APR thereafter: 15.49%–25.49%).
• Annual Fee: $0
• Average Approved Credit Limit: $9,535

8. Chase Slate Edge℠

• Intro Offer: 0% APR for 18 months on purchases and balance transfers (variable APR thereafter: 19.74%–28.49%).
• Annual Fee: $0
• Average Approved Credit Limit: $5,972

9. TD FlexPay® Credit Card

• Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 18.74%–28.74%).
• Annual Fee: $0
• Average Approved Credit Limit: $13,000

10. U.S. Bank Business Platinum Card

• Intro Offer: 0% APR for 18 months on purchases (variable APR thereafter: 17.24%–26.24%).
• Annual Fee: $0
• Average Approved Credit Limit: $11,670

Why Consider a 0% APR Credit Card?

A 0% APR card can be a powerful financial tool, especially when you're planning to:

• Consolidate existing high-interest debt.
• Finance a significant purchase without paying immediate interest.
• Save money on interest while repaying over time.

Pro Tip: Always pay off your balance before the introductory period ends to avoid variable APRs kicking in.