0% Intro APR Credit Cards

A 0% intro APR credit card can help you finally get your hands on that big-ticket item you’ve been eyeing. With no interest over lengthy introductory periods you can pay your balance off slowly without worrying about racking up fees. Our experts have listed a variety of no interest offers from our partners to suit different spending habits.

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.

Citi® Diamond Preferred® Card

APPLY NOW

0% Intro APR - Purchases

12
?

0%* for 12 months on Purchases*

months

0% Intro APR - Balance Transfers

21
?

0%* for 21 months on Balance Transfers*

months

Regular APR

14.24% - 24.24%
variable

Intro Bonus Value

N/A

Citi® Diamond Preferred® Card

APPLY BY PHONE

or call Citi at

877-342-7930

0% Intro APR - Purchases

12
months

0% Intro APR - Balance Transfers

21
months

Regular APR

14.24% - 24.24%
variable

Intro Bonus Value

N/A

Card Details

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • If you transfer a balance after the 0% Intro purchase APR expires, new purchases and unpaid purchase balances will automatically accrue interest until all balances, including the transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • $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 12 months on Purchases*
Regular APR 14.24% - 24.24%* (Variable)
Balance Transfers Intro APR 0%* for 21 months on Balance Transfers*

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 Unlimited®

APPLY NOW

0% Intro APR - Purchases

15
?

0% Intro APR on Purchases for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% Intro APR on Balance Transfers for 15 months

months

Regular APR

16.24% - 24.99%
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®

(8,818 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

16.24% - 24.99%
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 16.24-24.99%. 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% Intro APR on Purchases for 15 months
Regular APR 16.24% - 24.99% Variable
Balance Transfers Intro APR 0% Intro APR on Balance Transfers 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

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

12.24% - 24.24%
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

12.24% - 24.24%
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.
  • Earn 1% cash back on all other purchases.
  • 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 12.24% - 24.24% 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
The Amex EveryDay® Credit Card from American Express

APPLY NOW

0% Intro APR - Purchases

12
?

0% on Purchases for 12 months

months

0% Intro APR - Balance Transfers

12
?

0% on Balance Transfers for 12 months

months

Regular APR

14.24% - 24.24%
variable

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

12
months

0% Intro APR - Balance Transfers

12
months

Regular APR

14.24% - 24.24%
variable

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.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 24.24%.
  • 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 0% on Purchases for 12 months
Regular APR 14.24%-24.24% Variable
Balance Transfers Intro APR 0% on Balance Transfers for 12 months

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
Wells Fargo Platinum Visa® Card

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

16.40% - 26.24%
variable

Intro Bonus Value

N/A

Wells Fargo Platinum Visa® Card

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

16.40% - 26.24%
variable

Intro Bonus Value

N/A

Card Details

  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% 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 15 months
Regular APR 16.40%-26.24% (Variable)
Balance Transfers Intro APR 0% for 15 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

12.24%, 16.24%
or 20.24%
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

12.24%, 16.24%
or 20.24%
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 12.24%, 16.24% or 20.24% 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 12.24%, 16.24% or 20.24%
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 Simplicity® Card

APPLY NOW

0% Intro APR - Purchases

18
?

0%* for 18 months on Purchases*

months

0% Intro APR - Balance Transfers

18
?

0%* for 18 months on Balance Transfers*

months

Regular APR

15.24% - 25.24%
variable

Intro Bonus Value

N/A

Citi Simplicity® Card

APPLY BY PHONE

or call Citi at

877-328-9712

0% Intro APR - Purchases

18
months

0% Intro APR - Balance Transfers

18
months

Regular APR

15.24% - 25.24%
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 18 months. After that, the variable APR will be 15.24% - 25.24% 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 18 months on Purchases*
Regular APR 15.24% - 25.24%* (Variable)
Balance Transfers Intro APR 0%* for 18 months on Balance Transfers*

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
Blue Cash Everyday® Card from American Express

APPLY NOW

0% Intro APR - Purchases

15
?

0% on Purchases for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% on Balance Transfers for 15 months

months

Regular APR

14.24% - 25.24%
variable

Intro Bonus Value

$150
?

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Blue Cash Everyday® Card from American Express

APPLY BY PHONE

or call American Express at

877-915-6432 See Rates & fees

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

14.24% - 25.24%
variable

Intro Bonus Value

$150

Card Details

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% on Purchases for 15 months
Regular APR 14.24%-25.24% Variable
Balance Transfers Intro APR 0% on Balance Transfers for 15 months

Features

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

at American Express's
secure site

or call American Express at

877-915-6432 See Rates & fees
Terms Apply
Chase Slate®

APPLY NOW

0% Intro APR - Purchases

15
?

0% Intro APR on Purchases for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% Intro APR on Balance Transfers for 15 months

months

Regular APR

16.24% - 24.99%
variable

Intro Bonus Value

N/A

Chase Slate®

(5,719 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

16.24% - 24.99%
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
  • See monthly updates to your FICO® Score and the reasons behind your score 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% Intro APR on Purchases for 15 months
Regular APR 16.24% - 24.99% Variable
Balance Transfers Intro APR 0% Intro APR on Balance Transfers 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

Chase Freedom®

APPLY NOW

0% Intro APR - Purchases

15
?

0% Intro APR on Purchases for 15 months

months

0% Intro APR - Balance Transfers

15
?

0% Intro APR on Balance Transfers for 15 months

months

Regular APR

16.24% - 24.99%
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®

(13,427 Reviews)

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

16.24% - 24.99%
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
  • 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 16.24-24.99%. 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% Intro APR on Purchases for 15 months
Regular APR 16.24% - 24.99% Variable
Balance Transfers Intro APR 0% Intro APR on Balance Transfers 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

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: January 11, 2018

CreditCards.com's Best Zero Interest (0% APR) Credit Cards of 2018

  • Chase Freedom Unlimited® - 15 months
  • Discover it® Cashback Match™ - 14 months
  • The Amex EveryDay® Credit Card from American Express - 12 months
  • Wells Fargo Platinum Visa® Card - 15 months
  • HSBC Gold Mastercard® Credit Card - 18 months
  • Blue Cash Everyday® Card from American Express - 15 months
  • Chase Slate® - 15 months
  • Chase Freedom® - 15 months
  • Discover it® Miles - 14 months
  • Capital One® VentureOne® Rewards Credit Card - 12 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: January 2018

Card0% Purchase APR PeriodAnnual FeeRegular APR
Chase Freedom Unlimited®15 months$016.24% - 24.99% Variable
Discover it® Cashback Match™14 months$012.24% - 24.24% Variable
The Amex EveryDay® Credit Card from American Express12 months$014.24% - 24.24% Variable
Wells Fargo Platinum Visa® Card15 months$016.40% - 26.24% Variable
HSBC Gold Mastercard® Credit Card18 months$012.24% - 20.24% Variable
Blue Cash Everyday® Card from American Express15 months$014.24% - 25.24% Variable
Chase® Slate15 months$016.24% - 24.99% Variable
Chase Freedom®15 months$016.24% - 24.99% Variable
Discover it® Miles14 months$012.24% - 24.24% Variable
Capital One® VentureOne® Rewards Credit Card15 months$013.24% - 23.24% Variable

Join the Discussion

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