Zero interest credit cards offer extended 0% APR in December 2024

In December 2024, several credit cards are offering 0% APR for extended periods, with some lasting up to 21 months. These cards allow users to make purchases and transfer balances without incurring interest during the introductory period. Top options include the Wells Fargo Reflect® Card, which offers 21 months of 0% APR but no rewards. The Discover it® Cash Back card provides 15 months of 0% APR and rewards on rotating categories, while the Chase Freedom Unlimited® offers a flat cash-back rate alongside its 15-month 0% APR. Other notable cards include the Citi Custom CashSM Card, which rewards users based on their highest spending category, and the Capital One Savor Cash Rewards Credit Card, which offers high cash back on dining and entertainment. Each card has unique benefits, making it essential for consumers to choose based on their spending habits.