It’s possible to lower your interest rate on the PNC Spend Wise card by 2 percentage points every 12 months, but a true 0% APR credit card will likely save you more money.

This no-annual-fee card is ideal for renters looking to earn back some value on a major monthly expense. To snag significant rewards, though, you must commit to using the card for more than just rent.

Thinking about canceling some credit cards? Learn how to do it smartly to protect your credit score and simplify your wallet.