While cashback rewards are appealing, they are not the key feature of 0% APR credit cards. These promotional cards are designed to help you save on interest, not necessarily maximize cashback. If you’re looking to optimize cashback rewards, you’ll want a card specifically focused on high return rates for categories like groceries or dining. 0% APR cards, on the other hand, are best used for managing large purchases or consolidating existing debt without interest during the promotional period.