Best 0% APR Credit Cards

Best credit cards with 0% APR

Wells Fargo Active Cash Card

Rewards rate:

• Unlimited 2% cash rewards on purchases (no categories or quarterly activations)

Intro APR: 0% intro APR for 15 months on purchases and qualifying balance transfers

Regular APR: 20.24%, 25.24%, or 29.99%

Signup bonus: $200 cash rewards bonus when you spend $500 in the first three months

Our verdict: The Wells Fargo Cash Card stands out in the world of cashback credit cards with its simplicity and competitive rewards. Offering an impressive flat 2% cashback rate on all purchases, it’s an excellent choice for those who prefer an uncomplicated rewards program. Plus, the card often includes a generous welcome bonus and an introductory 0% APR on purchases and balance transfers, making it a versatile choice. If you’re seeking a straightforward yet rewarding cashback card, the Wells Fargo Cash Card is a solid contender in the market.

Pros:

• Competitive, unlimited cash back rate on all purchases.
• No annual fee.
• Introductory 0% APR on purchases and balance transfers.
• Redeem your cash back in a variety of ways, including statement credits, direct deposits into your Wells Fargo account, or paper checks.
• Additional benefits include cell phone protection, 24/7 concierge services, and benefits with luxury hotel collection.

Cons:

• Foreign transaction fees.
• Few additional benefits/perks.
• No rotating bonus categories for higher rewards earnings.

Apply now: Wells Fargo Active Cash® Card

Learn more: Wells Fargo Active Cash® Card Review

Discover it Cash Back

Rewards rate:

• 5% cash back in quarterly bonus categories such as Amazon.com, grocery stores, restaurants, and gas stations (up to quarterly minimum)
• 1% cash back on all other purchases

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

Regular APR: 17.24% – 28.24%

Signup bonus: Unlimited cash back match (dollar-for-dollar match of all the cash back you earn at the end of your first year)

Our verdict: The Discover it Cash Back card is a standout choice among 0% APR credit cards. It combines the benefits of a 0% introductory APR period with a robust cashback rewards program. Cardholders can enjoy 5% cashback in rotating quarterly categories (up to a quarterly maximum) and 1% cashback on all other purchases. Discover even matches the cashback earned in the first year, effectively doubling your rewards. Just remember to pay attention to the rotating categories and maximize your cashback during the promotional period.

Pros:

• Unlimited dollar-for-dollar cash back match at end of the first year.
• Quarterly rotating bonus categories.
• No annual fee.
• Cash back rewards never expire.
• Redeem rewards as direct deposit, statement credit, or pay with cashback bonus.

Cons:

• Must enroll in bonus categories to get the higher rewards rate.
• Quarterly cash back maximums.
• Lack of additional benefits/perks.

Apply now: Discover it® Cash Back Credit Card

Learn more: Discover It Cash Back Credit Card Review

U.S. Bank Visa Platinum Card

Rewards rate: N/A

Intro APR: 0% intro APR for 21 billing cycles on purchases and balance transfers

Regular APR: 18.74% – 29.74%

Signup bonus: N/A

Our verdict: The U.S. Bank Visa Platinum Card shines as a top choice in the realm of 0% APR credit cards. It’s designed for those seeking an extended 0% introductory APR period, making it an excellent tool for managing large expenses or transferring high-interest balances. While it doesn’t offer cashback or rewards, its primary focus on low-cost financing is a key advantage. If your priority is minimizing interest charges, the U.S. Bank Visa Platinum Card is a wise choice.

Pros:

• No annual fee.
• Long intro 0% APR period (21 billing cycles).
• Perks include cell phone protection, auto pay and due date choice, and ExtendPay Plan options.

Cons:

• No rewards or sign-up bonus.
• Lack of additional card benefits/perks.

Apply now: US Bank Visa Platinum Card

Citi Custom Cash Card

Rewards rate:

• 5% cash back on top eligible spend category each billing cycle (up to $500 spent) (restaurants, gas stations, grocery stores, select travel and transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment)
• Unlimited 1% cash back on all other purchases

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

Regular APR: 19.24% – 29.24%

Signup bonus: $200 cash back after spending $1,500 in the first six months

Our verdict: The Citi Custom Cash Card is a stellar choice in the world of 0% APR credit cards, combining the best of both worlds: A generous rewards program and a competitive 0% introductory APR. Cardholders can earn cashback on their top spending categories each billing cycle, making it adaptable to varying lifestyles. With no annual fee and a lengthy 0% APR period, it offers flexibility and savings. If you’re looking for a versatile card that delivers on both rewards and cost savings, the Citi Custom Cash Card is a top contender.

Pros:

• $0 annual fee.
• No categories to enroll in – 5% cash back happens automatically.
• Redeem ThankYou Points as statement credit, direct deposit, check, gift cards, travel, and Shop with Points at Amazon.com.
• Access to Citi Entertainment program.

Cons:

• Few additional benefits/perks.
• $500 spend limit on 5% cash back rewards.

Apply now: Citi Custom Cash℠ Card

Learn more: Citi Custom CashSM Card Review

Chase Slate Edge Credit Card

Rewards rate: N/A

Intro APR: 0% intro APR for 18 months on purchases and balance transfers

Regular APR: 20.49% – 29.24%

Signup bonus: N/A

Our verdict: The Chase Slate Edge Credit Card stands out in the realm of 0% APR credit cards with its focus on providing a practical, no-frills solution to managing your finances. With an extended introductory 0% APR period on purchases and balance transfers, it offers ample time to pay down existing debts or make planned expenditures without incurring interest charges. While it doesn’t offer cashback or rewards, this card’s primary strength is its straightforward approach to cost savings and debt management. If you’re seeking a reliable tool to gain control over your finances and avoid interest fees, the Chase Slate Edge Credit Card is a sensible choice.

Pros:

• Lower your interest rate by 2% each year automatically (when you pay on time and spend at least $1,000 on your card by your next account anniversary).
• Automatic review for higher credit limit when you pay on time and spend $500 in the first six months.
• Break up card purchases with My Chase Plan.
• No annual fee.
• Complimentary 3 months of DashPass and Instacart+.
• Other benefits include purchase protection, extended warranty protection, auto rental collision damage waiver, and roadside dispatch services.

Cons:

• No ongoing rewards.
• No sign up bonus.

Apply now: Chase Slate Edge

Bank of America Unlimited Cash Rewards Credit Card

Rewards rate:

• Unlimited 1.5% cash back on all purchases

Intro APR: 0% on purchases for 15 billing cycles and balance transfers made within 60 days of opening your account

Regular APR: 18.24% – 28.24%

Signup bonus: $200 online cash rewards bonus after spending $1,000 in the first 90 days

Our verdict: The Bank of America Unlimited Cash Rewards Credit Card offers a compelling blend of 0% APR and cashback rewards, making it a versatile choice in the world of credit cards. With a lengthy 0% introductory APR on purchases and balance transfers, it provides breathing room for financial management. The card’s unlimited 1.5% cashback on all purchases, coupled with an appealing welcome bonus, adds significant value. If you’re looking for a card that balances financial flexibility with cashback incentives, the Bank of America Unlimited Cash Rewards Credit Card deserves serious consideration.

Pros:

• No limit to the amount of cash you can earn and cash back doesn’t expire.
• Redeem rewards as direct deposit into eligible account, credit into eligible Merrill accounts, or statement credit to credit card.
• No annual fee.
• Preferred Rewards members can earn 25% – 75% more cash back on every purchase (1.87% – 2.62%).

Cons:

• Limited redemption options (compared to other cards).
• Fewer additional benefits/perks.

Apply now:Bank of America Unlimited Cash Rewards Credit Card

Learn more: Bank of America Unlimited Cash Rewards Card Review

Chase Freedom Flex Credit Card

Rewards rate:

• 5% in quarterly bonus categories (such as gas stations, groceries, and select online merchants) on up to $1,500 in total combined purchases each quarter you activate
• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining and drugstore purchases
• 1% on all other purchases

Intro APR: 0% intro APR on purchases and balance transfers for 15 months

Regular APR: 20.49% – 29.24%

Signup bonus: $200 bonus after spending $500 on purchases in the first three months; plus earn 5% cash back on combined gas station and grocery store purchases (on up to $12,000 spent in the first year)

Our verdict: The Chase Freedom Flex Credit Card is a standout choice among 0% APR credit cards: Cardholders enjoy a lengthy introductory 0% APR on purchases and balance transfers, giving them flexibility in managing expenses and consolidating debts. Moreover, this card offers compelling cashback rewards, including bonus categories that change quarterly and a solid cashback rate on everyday spending. The combination of cost savings and rewards potential makes it a well-rounded choice for those seeking financial flexibility and rewards.

Pros:

• Generous cash back rewards
• Redeem rewards as statement credit, direct deposit, gift cards, travel, or Shop with points at Amazon.
• Cash rewards don’t expire.
• Get complimentary three months of DashPass and Instacart+ membership, as well as 5% cash back on Lyft rides.
• Additional perks include purchase protection, extended warranty protection, trip cancellation/interruption insurance, cell phone protection, auto rental collision damage waiver, and more.
• Pay over time with My Chase Plan.

Cons:

• Foreign transaction fees.
• Must enroll in quarterly bonus categories for higher rate.
• Purchase limits for 5% cash back categories.

Apply now: Chase Freedom Flex

Learn more: Chase Freedom Flex Credit Card Review

American Express Blue Cash Everyday Card

Rewards rate:

• 3% cash back on groceries, U.S. online retail purchases, and gas (on up to $6,000 per year in purchases)
• 1% cash back on all other purchases

Intro APR: 0% intro APR on purchases and balance transfers for 15 months

Regular APR: 19.24% – 29.99%

Signup bonus: $200 back after spending $2,000 in the first six months

Our verdict: The American Express Blue Cash Everyday Credit Card is an appealing choice in the realm of 0% APR credit cards, offering a combination of convenience, rewards, and cost savings. Cardholders benefit from an introductory 0% APR period on purchases and balance transfers, making it ideal for those with planned expenses or existing high-interest debt. This card also boasts cashback rewards with a focus on everyday spending, making it versatile for various lifestyles. The welcome bonus and the absence of an annual fee add extra value.

Pros:

• Variety of rewards categories to maximize earnings.
• Additional perks include $84 Disney Bundle credit, $180 Home Chef credit, car rental loss and damage insurance, access to American Express Experiences, ShopRunner access, purchase protection, Buy Now, Pay Later Plan It plan, and more.
• Access to Amex Offers (after enrolling), which can save you even more on specific purchases.

Cons:

• Fewer additional benefits, such as travel perks.
• $6,000 spending cap on bonus categories.
• Foreign transaction fees.

Apply now: Blue Cash Everyday® Card from American Express

Chase Freedom Unlimited Credit Card

Rewards rate:

• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining and drugstore purchases
• Unlimited 1.5% on all other purchases

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

Regular APR: 20.49% — 29.24%

Signup bonus: $200 bonus after spending $500 on purchases in the first three months; plus earn 5% cash back on combined gas station and grocery store purchases (on up to $12,000 spent in the first year)

Our verdict: The Chase Freedom Unlimited Credit Card stands as a remarkable choice in the landscape of 0% APR credit cards, delivering a compelling blend of financial flexibility and cashback rewards. With a generous introductory 0% APR period on purchases and balance transfers, it allows for effective debt consolidation or planned expenditures. Moreover, this card features an appealing cashback program, offering unlimited 1.5% cashback on all purchases, plus an exciting welcome bonus. The versatile rewards structure and no annual fee make it an excellent choice for those seeking a card that balances cost savings and rewards potential.

Pros:

• Redeem rewards for cash back, statement credit, gift cards, travel, or Shop with points at Amazon.
• Additional benefits include purchase protection, extended warranty protection, trip cancellation/interruption insurance, auto rental collision damage waiver, and more.
• Partner benefits include complimentary three months of DashPass, Instacart+, and 5% cash back on Lyft rides.
• Pay over time with My Chase Plan.
• Cash rewards do not expire.

Cons:

• $12,000 purchase limit for 5% gas and grocery offer.
• Foreign transaction fees.
• Ongoing balance transfer fee is high.

Apply now: Chase Freedom Unlimited

Capital One SavorOne Rewards Card

Rewards rate:

• 3% cash back on dining, entertainment, streaming services, and grocery stores
• 1% cash back on other purchases

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

Regular APR: 19.99% – 29.99%

Signup bonus: $200 cash bonus after spending $500 within three months of account opening

Our verdict: The Capital One SavorOne Rewards Credit Card is an exceptional choice among 0% APR credit cards, offering a delightful blend of savings and rewards. It offers a competitive introductory 0% APR period on both purchases and balance transfers and additionally offers generous rewards on dining, entertainment, and groceries. If you seek a card that combines financial flexibility with rewarding everyday spending, the Capital One SavorOne Rewards Credit Card is a top-tier option.

Pros:

• Access to Capital One Shopping, Capital One Travel, Capital One Entertainment, and Capital One Dining benefits with even more rewards opportunities (5-10% cash back).
• Additional benefits include extended warranty and travel accident insurance, 10% cash back on Uber and Uber Eats, and free Uber One monthly membership fee,
• No foreign transaction fees.

Cons:

• Other cards may offer better welcome offers.
• If spending falls outside tiered rewards categories, you may not reap the benefits.
• Must use Capital One to reap higher rewards and benefits.

Apply now: SavorOne Rewards from Capital One

Learn more: Capital One SavorOne Rewards Review

Summary of the best 0% APR credit cards

How does 0% APR work?

0% APR, or Annual Percentage Rate, is essentially a promotional interest rate offered by credit card issuers. During the introductory period, which can range from 6 to 21 months or more, you won’t be charged any interest on your purchases or balance transfers. It’s like getting a free loan for a specific duration.

However, it’s important to understand that this zero-interest period is temporary, and once it ends, the card’s regular interest rate will apply to any remaining balance.

The mechanics of a 0% APR card are quite straightforward. As long as you make at least the minimum required payments on time, you can carry a balance on your card without incurring interest charges. This can be a valuable feature for those looking to make a big purchase, consolidate high-interest debt, or simply manage their cash flow effectively.

Who should get a credit card with 0% APR?

Credit cards with 0% APR can be a great fit for several different types of consumers:

• Big purchases: If you have a significant expense on the horizon, like home improvements, a vacation, or a new computer, a 0% APR card allows you to make that purchase and pay it off over time without accruing interest.
• Debt consolidation: If you have high-interest credit card debt, you can transfer those balances to a 0% APR card and pay them down faster without the burden of accumulating interest.
• Budgeting and cash flow: Using a 0% APR card for everyday spending can help you manage your cash flow without worrying about interest charges, as long as you pay off the balance before the introductory period ends.
• Emergency fund: Having a 0% APR card can serve as an emergency fund when unexpected expenses arise, allowing you to spread the cost over several months without interest.

How to compare 0% and low-interest credit cards?

When comparing 0% APR credit cards to low-interest cards, you need to consider your financial goals and spending habits. Here are some factors to consider:

1. Introductory period length: With 0% APR cards, the length of the promotional period matters. The longer the period, the more time you have to pay off your balance without interest. Low-interest cards, on the other hand, offer a consistent, albeit higher, interest rate.
2. Regular APR: After the introductory period ends, the regular APR on a 0% APR card can be high. Compare this rate to the ongoing interest rate on a low-interest card. If you’re planning to carry a balance beyond the introductory period, a low-interest card may be a better choice.
3. Fees: Look for annual fees, balance transfer fees, and other charges associated with the cards. A low-interest card may have lower fees than a 0% APR card.
4. Rewards and perks: Consider the rewards and benefits that come with each card. Some 0% APR cards offer cashback or rewards, but they may be less generous than cards designed primarily for rewards.
5. Credit score requirements: 0% APR cards often require a good to excellent credit score. If your credit is less than perfect, you might have more options with low-interest cards.

How to choose a 0% APR card for you?

Selecting the right 0% APR card depends on your financial situation and goals. Here are some steps to help you choose the most suitable card:

1. Evaluate your needs: Determine whether you’re primarily looking to make a big purchase, consolidate debt, or manage everyday spending. This will guide your choice of a card.

2. Check your credit score: Different 0% APR cards have different credit score requirements. Make sure your credit score aligns with the card you’re interested in.

3. Choose the right introductory period length: Choose a card with an introductory period that aligns with your repayment timeline. If you need more time, look for a longer 0% APR offer.

4. Know fees and charges: Pay attention to annual fees, balance transfer fees, and foreign transaction fees. A card with no or low fees can save you money.

5. Understand rewards and perks: If you value rewards, look for a 0% APR card that offers cashback or rewards on your spending.

How much can a 0% intro APR offer save you?

The potential savings with a 0% APR credit card can be substantial. The exact amount you save depends on several factors, including the size of your balance, the length of the introductory period, and the card’s regular APR. Let’s look at a hypothetical example to illustrate the potential savings:

Imagine you have a $5,000 credit card balance, and you’re currently paying an 18% APR. If you transfer this balance to a 0% APR card with a 12-month introductory period, you could save approximately $900 in interest charges over that year. (This assumes you make the minimum payments and clear the balance within the promotional period.)

The longer the introductory period and the larger your balance, the more you stand to save. However, it’s essential to make timely payments and pay off the balance before the promotional period ends to maximize your savings.

How to make the most of a credit card with 0% APR?

To make the most of a 0% APR credit card, follow these tips:

1. Set a repayment plan: Create a clear plan to pay off your balance before the introductory period ends. Divide your total balance by the number of months in the promotional period, and aim to pay at least that amount each month.
2. Avoid new purchases: While paying down your 0% APR balance, avoid making new purchases on the card if possible. Focus on clearing the existing balance to prevent interest from accruing.
3. Use balance transfers wisely: If you’re transferring existing high-interest debt, be aware of any balance transfer fees and factor them into your overall savings calculation.
4. Stay within your credit limit: Ensure you don’t max out your card, as high credit utilization can negatively impact your credit score.
5. Pay on time: Always make your payments on time to avoid late fees and maintain your promotional 0% APR.
6. Regularly review your finances: Periodically assess your financial situation and adjust your repayment plan if necessary to stay on track.

How to qualify for a 0% APR card?

Qualifying for a 0% APR card typically requires a good to excellent credit score. To improve your chances of approval:

1. Check your credit score: Know your credit score before applying. You can access free credit reports from the major credit bureaus to get an idea of where you stand.
2. Manage your debt: Reducing existing debt can improve your credit score and make you a more attractive candidate for 0% APR cards.
3. Compare cards: Research different 0% APR cards and their specific credit score requirements. Some may be more lenient than others.
4. Apply strategically: Apply for a 0% APR card that aligns with your credit score. Multiple credit card applications within a short period can temporarily lower your credit score.
5. Be prepared: Have all the necessary documentation, including proof of income, ready when applying for the card.

0% APR vs. low interest cards

The choice between a 0% APR card and a low-interest card depends on your individual financial goals and circumstances. Here’s a quick comparison:

0% APR Cards:

• Best for short-term financing, large purchases, and balance transfers.
• Typically offer a promotional period with no interest.
• Regular APR can be high after the introductory period.
• Often requires a good to excellent credit score.

Low-Interest Cards:

• Ideal for long-term financing and carrying a balance.
• Offer a consistent, though higher, interest rate.
• Regular APR is usually lower than that of 0% APR cards.
• May be accessible to individuals with fair to good credit.

Ultimately, your choice should align with your financial needs. If you can pay off your balance during the 0% APR introductory period, it’s an excellent way to save on interest. However, if you anticipate carrying a balance beyond that period, a low-interest card might be more cost-effective in the long run.

Methodology

The methodology for choosing the best 0% APR credit cards involves evaluating factors such as security features, ease of use, rewards programs, customer reviews, and fees. Financial experts and analysts assess these aspects to provide rankings and recommendations. The goal is to identify 0% APR credit cards that offer strong security measures, user-friendly interfaces, attractive rewards programs, positive customer feedback, and reasonable fees. By considering these factors, users can make informed decisions and select credit cards that align with their needs and preferences.

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