0% Intro APR Credit Cards

With a 0% intro APR credit card, you can purchase a big-ticket item and pay it off over a few months without dealing with interest. There are several credit cards with 0% interest intro periods up to 21 months, including the Citi® Diamond Preferred® Card.

See offers from our partners below.

Estimated savings is based on on a total credit card transfer balance of $2,500, current APR of 15.00%, and a monthly repayment of $56.25 for the first 24 months.

Estimated Savings is a CreditCards.com calculation that is used to provide an example of how much you might save by transferring your balances to a new card after factoring in fees, length of promotional periods and interest charges. This amount is based on the transfer amount, assumes you make fixed monthly payments on time, and does not assume rewards or purchases, since those will vary per individual.

Chase Freedom Unlimited®

APPLY NOW

0% Intro APR - Purchases

15
?

0% for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% for 15 months

months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

$150
?

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Chase Freedom Unlimited®

(8,797 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

$150

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 15 months
Regular APR 15.99% - 24.74% Variable
Balance Transfers Intro APR 0% for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Concierge Service
Extended Warranty Program
Purchase Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at Chase's
secure site

The Amex EveryDay® Credit Card from American Express

APPLY NOW

0% Intro APR - Purchases

N/A

0% Intro APR - Balance Transfers

N/A

Regular APR

N/A

Intro Bonus Value

$119
?

Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.

The Amex EveryDay® Credit Card from American Express

APPLY BY PHONE

or call American Express at

877-217-0904 See Rates & fees

0% Intro APR - Purchases

N/A

0% Intro APR - Balance Transfers

N/A

Regular APR

N/A

Intro Bonus Value

$119

Card Details

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR See Rates and Fees for See Rates and Fees
Regular APR N/A
Balance Transfers Intro APR N/A

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Zero Fraud Liability
Mobile Pay Ready
Presale Tickets
View More Details

at American Express's
secure site

or call American Express at

877-217-0904 See Rates & fees
Terms Apply
Citi Simplicity® Card

APPLY NOW

0% Intro APR - Purchases

21
?

0%* for 21 months*

months

0% Intro APR - Balance Transfers

21
?

0%* for 21 months*

months

Regular APR

14.99% - 24.99%
variable

Intro Bonus Value

N/A

Citi Simplicity® Card

APPLY BY PHONE

or call Citi at

877-328-9712

0% Intro APR - Purchases

21
months

0% Intro APR - Balance Transfers

21
months

Regular APR

14.99% - 24.99%
variable

Intro Bonus Value

N/A

Card Details

  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0*
Purchase Intro APR 0%* for 21 months*
Regular APR 14.99% - 24.99% (Variable)
Balance Transfers Intro APR 0%* for 21 months*

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Presale Tickets
View More Details

at Citi's
secure site

or call Citi at

877-328-9712
Discover it® Cashback Match™

APPLY NOW

0% Intro APR - Purchases

14
?

0% for 14 months

months

0% Intro APR - Balance Transfers

14
?

0% for 14 months

months

Regular APR

11.99% - 23.99%
variable

Intro Bonus Value

$229
?

Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Discover it® Cashback Match™

(25,774 Reviews)

0% Intro APR - Purchases

14
months

0% Intro APR - Balance Transfers

14
months

Regular APR

11.99% - 23.99%
variable

Intro Bonus Value

$229

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 14 months
Regular APR 11.99% - 23.99% Variable
Balance Transfers Intro APR 0% for 14 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Free Credit Score
Price Protection
Zero Fraud Liability
Mobile Pay Ready
View More Details

at Discover's
secure site

See Rates & fees
Bank of America® Cash Rewards Credit Card

APPLY NOW

0% Intro APR - Purchases

12
?

0% Introductory APR on purchases for 12 billing cycles

billing cycles

0% Intro APR - Balance Transfers

12
?

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

billing cycles for BTs made in the first 60 days

Regular APR

13.99% - 23.99%
Variable APR on purchases and balance transfers

Intro Bonus Value

$150
?

$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.

Bank of America® Cash Rewards Credit Card

(34,980 Reviews)

0% Intro APR - Purchases

12
billing cycles

0% Intro APR - Balance Transfers

12
billing cycles for BTs made in the first 60 days

Regular APR

13.99% - 23.99%
Variable APR on purchases and balance transfers

Intro Bonus Value

$150

Card Details

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% Introductory APR on purchases for 12 billing cycles
Regular APR 13.99% - 23.99% Variable APR on purchases and balance transfers
Balance Transfers Intro APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Features

EMV
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
FICO Score
View More Details

at Bank of America's
secure site

Wells Fargo Platinum Visa® Card

APPLY NOW

0% Intro APR - Purchases

18
?

0% for 18 months

months

0% Intro APR - Balance Transfers

18
?

0% for 18 months

months

Regular APR

16.15% - 25.99%
variable

Intro Bonus Value

N/A

Wells Fargo Platinum Visa® Card

0% Intro APR - Purchases

18
months

0% Intro APR - Balance Transfers

18
months

Regular APR

16.15% - 25.99%
variable

Intro Bonus Value

N/A

Card Details

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 18 months
Regular APR 16.15%-25.99% (Variable)
Balance Transfers Intro APR 0% for 18 months

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
Cellphone Insurance
View More Details

at Wells Fargo's
secure site

HSBC Gold Mastercard® credit card

APPLY NOW

0% Intro APR - Purchases

18
?

0% Intro APR for 18 months

months

0% Intro APR - Balance Transfers

18
?

0% Intro APR for 18 months

months

Regular APR

11.99% - 19.99%
variable

Intro Bonus Value

N/A

HSBC Gold Mastercard® credit card

0% Intro APR - Purchases

18
months

0% Intro APR - Balance Transfers

18
months

Regular APR

11.99% - 19.99%
variable

Intro Bonus Value

N/A

Card Details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 11.99%, 15.99% or 19.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% Intro APR for 18 months
Regular APR Variable APR of 11.99% - 19.99%
Balance Transfers Intro APR 0% Intro APR for 18 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at HSBC's
secure site

See Rates & fees
Citi® Diamond Preferred® Card

APPLY NOW

0% Intro APR - Purchases

21
?

0%* for 21 months*

months

0% Intro APR - Balance Transfers

21
?

0%* for 21 months*

months

Regular APR

13.99% - 23.99%
variable

Intro Bonus Value

N/A

Citi® Diamond Preferred® Card

APPLY BY PHONE

or call Citi at

877-342-7930

0% Intro APR - Purchases

21
months

0% Intro APR - Balance Transfers

21
months

Regular APR

13.99% - 23.99%
variable

Intro Bonus Value

N/A

Card Details

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0*
Purchase Intro APR 0%* for 21 months*
Regular APR 13.99% - 23.99%* (Variable)
Balance Transfers Intro APR 0%* for 21 months*

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Trip Cancellation Insurance
Zero Fraud Liability
Mobile Pay Ready
Presale Tickets
View More Details

at Citi's
secure site

or call Citi at

877-342-7930
Chase Freedom®

APPLY NOW

0% Intro APR - Purchases

15
?

0% for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% for 15 months

months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

$150
?

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Chase Freedom®

(13,392 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

$150

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 15 months
Regular APR 15.99% - 24.74% Variable
Balance Transfers Intro APR 0% for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Trip Cancellation Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at Chase's
secure site

Chase Slate®

APPLY NOW

0% Intro APR - Purchases

15
?

0% for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% for 15 months

months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

N/A

Chase Slate®

(5,692 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

15.99% - 24.74%
variable

Intro Bonus Value

N/A

Card Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Recommended Credit Score

740 850
Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 15 months
Regular APR 15.99% - 24.74% Variable
Balance Transfers Intro APR 0% for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at Chase's
secure site

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing Zero Interest Credit Card Offers

Updated: December 1, 2017

CreditCards.com's Best Zero Interest (0% APR) Credit Cards

  • Chase Freedom Unlimited® - 15 months
  • The Amex EveryDay® Credit Card from American Express - 12 months
  • Citi Simplicity® Card - 21 months
  • Discover it® Cashback Match™ - 14 months
  • Bank of America® Cash Rewards Credit Card - 12 billing cycles
  • Wells Fargo Platinum Visa® Card - 18 months
  • HSBC Gold Mastercard® Credit Card - 18 months
  • Citi® Diamond Preferred® Card - 21 months
  • Chase Freedom® - 15 months

To view more 0% APR cards, see our low-interest credit card reviews.

Maybe you’ve accumulated credit card debt and you’ve realized you could end up paying thousands of dollars in interest fees. Perhaps you have a big purchase planned, but you don’t have the cash on hand to pay for it.

A 0% intro APR card might be an option for you. Here, we look at:

  • What are 0% APR credit cards?
  • What does 0% intro APR mean?
  • How to choose a 0% APR offer
  • What is a go-to APR?
  • What is the average interest rate on a credit card?

We’ll explain what to do – and what not to do – when choosing a 0% APR card. Here’s what you need to know:

What are 0% APR credit cards?

A 0% intro APR card is a product that offers no interest for a set amount of time, typically up to 21 months. These are great cards for paying off a card balance (or two) without incurring more interest charges. They are also good for consolidating debt into a single payment. These cards can sometimes offer 0% APR on purchases for a limited time. When someone refers to a “0% APR” or “zero interest” credit card, they are talking about the same thing.

What does 0% intro APR mean?

A 0% intro APR means that you pay no interest for a set amount of time on balance transfers on credit cards, purchases or both. With balance transfers, you can avoid the debilitating costs of interest fees, which can number in the thousands of dollars over time. For example, if you have a $3,000 balance on a card and you’re paying 17% APR, it would take you 126 months to pay the minimum payment each month. That includes the $3,000 plus $2,241 in interest fees. By using a 0% intro APR card, you can avoid the $2,241 charges. A 0% intro APR card can sometimes be used for purchases, as well, which is handy if you have a big purchase coming up.

How to choose a zero interest offer

  1. Change your habits. Before applying for a 0% APR card, you’ll need to understand how it works. You have a set amount of time when you pay no interest on a balance transfer or purchase. That means you should only put new charges on your card that you can pay for in full at the end of the month once the offer ends. Otherwise, you’ll incur interest. Better yet, don’t put new purchases on the card until the debt is paid. And when the card is paid off, only charge what you already have the money for.
  2. Figure out how much you can pay. Make a budget, being brutally honest about your expenses, and allowing room for fun and emergencies. Now, figure out how much of your income you can put toward your card balance. This will inform you on how much of an introductory offer you need.
  3. Compare introductory offers. Offers can range from 6 months to 21 months, and the cards can have other features that might be worth your while (more on that later). Many 0% APR cards have offers for both purchases and balance transfers, and sometimes they have offers for one of them.
  4. Look at the other benefits. Think about how you plan to use the card after the introductory offer ends. Do you want to take advantage of rewards such as cash back or miles at some point? What kinds of spending will you be doing? Groceries? Restaurants?
  5. Is there an annual fee? If you plan to use your 0% APR card for rewards after you’ve paid off the balance, an annual fee shouldn’t be a deal breaker. That’s because the rewards you earn can more than make up for the fee. But if you only plan to use the card for credit building after the offer ends, then you’ll want to stick to a card without an annual fee.
  6. Is there a balance transfer fee? Sometimes, 0% APR cards offer no balance transfer fee. A balance transfer fee typically runs $5-$10 or 3%-5%, whichever is greater. But through special offers or as a standard feature, this fee might be waived. But look at the card holistically, because it may be worthwhile to pay the fee if there are other features you find to be valuable.
  7. Is there a balance transfer fee? Sometimes, 0% APR cards offer no balance transfer fee. A balance transfer fee typically runs $5-$10 or 3%-5%, whichever is greater. But through special offers or as a standard feature, this fee might be waived. But look at the card holistically, because it may be worthwhile to pay the fee if there are other features you find to be valuable.

What is a go-to APR?

A go-to APR is the rate you pay once a 0% intro APR ends. The go-to rate can easily be 16% or more, so it’s in your best interest to work on paying off the balance before the introductory offer ends. That means paying considerably more than the minimum payment.

What is the average interest rate on a credit card?

Currently, the average interest rate on a credit card is just over 16%, with low interest cards at the bottom with just under 13% and bad credit at the highest with about 23.5%. Interest rates are variable and may change by the time the introductory period is over.

Recap: Our Best 0% Intro APR Credit Cards: December 2017

Card0% Purchase APR PeriodAnnual FeeRegular APR
Chase Freedom Unlimited®15 months$015.99% - 24.74% Variable
The Amex EveryDay® Credit Card from American Express12 months$0See Rates & Fees
Citi Simplicity® Card21 months$014.99% - 24.99% Variable
Discover it® Cashback Match™14 months$011.99% - 23.99% Variable
Bank of America® Cash Rewards Credit Card12 billing cycles$013.99% - 23.99% Variable
Wells Fargo Platinum Visa® Card18 months$016.15% - 25.99% Variable
HSBC Gold Mastercard® Credit Card18 months$011.99% - 19.99% Variable
Citi® Diamond Preferred® Card21 months$013.99% - 23.99% Variable
Chase Freedom®15 months$015.99% - 24.74% Variable

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.