With Christmas coming, expenses increase and it becomes increasingly difficult to save money on purchases. Using a 0% APR credit card can help you reduce these expenses a bit.

A card can also help you pay other types of loans like student loans and car loans.

See some options below and the pros and cons of each one.

Citi Simplicity Card

• No annual fee
• No late fees
• Zero penalty rates
• 0% purchases and balance transfers for up to 21 months
• Accepted almost anywhere
• No rewards

Chase Freedom

• No annual fee
• 0% APR for 15 months
• 1% cash back
• $150 cash bonus after purchasing $500 in the first 3 months
• Foreign transaction fee
• Inflexible Bonus Categories

Discover it

• No annual fee
• 0% APR for the first 14 months
• 1% cash back on purchases
• No penalty APR
• No late fee for the first time and then $37 after that
• It is not accepted everywhere

City Diamond Preferred Card

• $0 annual fee
• 0% APR for up to 21 months
• No rewards program
• No sign up bonus

The Amex EveryDay Credit Card From American Express

• There’s no annual fee
• 0% APR for the first 12 months
• 1 point for every $1 spent
• Sign up bonus
• Membership Rewards Program
• Balance transfer fee
• Limited-time balance transfer offer

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