Top 0% APR Credit Card Offers

400+ credit cards reviewed by our team of experts

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Blue Cash Preferred® Card from American Express

Our rating: 4.6

See Rates & Fees, Terms Apply

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Recommended credit

Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Intro bonus

As High As $300 Cash Back. Find Out Your Offer.: You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.

0% intro APR purchase period: 12 months

0% Intro APR Balance Transfer Period: 12 months

Regular APR: 19.74%-28.74% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back on gas purchases at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other eligible purchases. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
With the $120 Disney Streaming Credit, you can earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, with no minimum purchase requirement. Subscription is subject to auto-renewal.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.74%-28.74% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

Discover it® Cash Back

Our rating: 4.6

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit range estimations are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Intro bonus

Earn Unlimited Cashback Match™ + $200: INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Plus, get a $200 statement credit when you spend $500 in the first 3 months after account opening

0% intro APR purchase period: 0% intro APR for 15 months

0% Intro APR Balance Transfer Period: 0% intro APR for 15 months

Regular APR: 18.74% - 28.74% (Variable)

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit range estimations are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.6

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 2.0
Issuer Customer Experience: 5.0

Highlights

Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Click "Apply Now" to view important rates and disclosures
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount. No annual fee
Terms and conditions apply

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 18.74% - 28.74% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months

Chase Freedom Unlimited®

Our rating: 5.0

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Add to compare

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Intro bonus

Earn $200 cash back: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 18.49% - 27.99% Variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 5.0

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 15 months
Regular APR: 18.49% - 27.99% Variable
Intro Balance Transfers APR: 0% Intro APR on Balance Transfers for 15 months

Top 0% APR Credit Card Offers

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Blue Cash Preferred® Card from American Express

Intro bonus

Overall rating

Highlights

Rates & Fees

Discover it® Cash Back

Intro bonus

Overall rating

Highlights

Rates & Fees

Chase Freedom Unlimited®

Intro bonus

Overall rating

Highlights

Rates & Fees

Top 0% APR Credit Card Offers

Why Trust CreditCards.com

Filter by

Issuers

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No cards match your current filters

Blue Cash Preferred® Card from American Express

Intro bonus

At A Glance

Discover it® Cash Back

Intro bonus

At A Glance

Chase Freedom Unlimited®

Intro bonus

At A Glance