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The 0 interest credit cards give you a way to make purchases without paying interest for a limited time. Once the term expires, you are obligated to pay interest on all purchases. It is a good idea to find cash back reward cards so you can make up for the money you spend after the terms expire.

If you are searching for ways to reduce high-interest rates applying for the 0 interest credit cards is a good choice. Currently CITI is offering the Premium Select MasterCard with 0% APR balance transfer up to 21 months. This is the longest 0% offer available online. You pay 0% intro APR on all purchases and there is no annual fee.

In comparison, CITI offers the Diamond Preferred cards with 0% intro APR on purchases up to 21 months. Balance transfer is 0% up to 21 months as well. Once the term expires, the interest rates are variable in accord to Prime and Market rates. Most companies will base the APR rates after the offer expires on your credit worthiness. If you have good credit or excellent credit, you may not have to any annual fees.

Chase offers the Freedom Visa cards with $100 cash back bonus and 0% intro APR on balance transfers up to 12 months. You don’t have to worry about an annual fee, and you can receive 5% cash back rewards after spending credit for gas, department stores, or home improvement items. You receive unlimited 1% cash back on other purchases without spending caps or tiers. Therefore, there is no limit to how much you can earn back in cash rewards.

Discover more offers 0% intro APR on balance transfers up to 15 months. You receive 0% intro APR on purchases up to 15 months as well. There is no annual fee, and offers are not available with balance transfer options.

The Pen Fed Promise Visa is a good card and you do not have to pay fees on balance transfers, intro purchase rates, and the APR is as low as 7.49% up to 36 months. Once the term expires you pay 9.99% APR and no annual fees.

The Slate (SM) offered by Chase offers you 15 months free intro APR on purchases and balance transfers. You don’t have to pay annual fees. Pen Fed and Slate offers the lowest APR available online. You may want to check if cash back rewards are available.

The Zero BT cards is offered online which the offer includes 0 percent balance transfers and purchases. You can receive 5% cash back rewards and there are no annual fees. Chase offers one of the best deals. The Chase Freedom Visa card allows you to earn $150 cash back bonus, and there is no annual fees. You receive cash back on purchases made by using your credit card. You receive unlimited 1% cash back on other purchases. Liability protection is offered with some of the cards. Compare more 0-interest credit card deals online.