Comparing Zero Interest Credit Card Offers
Updated: May 22, 2018
The best of us get into trouble with our credit cards. We might have had back-breaking medical bills. Or the car broke down again. The fact is, while credit cards are partly for convenience, sometimes they can seem rather inconvenient because of a steep balance.
That's where 0% intro APR offers come in. While not a cure-all, a card with a 0% APR offer on purchases, balance transfers or both can help pull you up out of ever-building debt by halting the interest charges that come with carrying a balance. But these offers aren't forever – they can range from 6 months to as high as 18 months or longer, depending on the card.
To make the offer work for you, you need to figure out how you got into this situation; plan your way out of the debt by figuring out how many months it will take you to pay it off; and take steps to avoid this situation again. But, we're here to help. We evaluated over 1,000 credit cards with a 0% intro APR offer and calculated the estimated savings of each offer and the other benefits for each card. Below are our top picks for the best zero interest credit cards along with other helpful information on choosing the card right for you and avoiding interest payments. Here, we look at:
To understand how a 0% APR offer can work for you, read on.
CreditCards.com's Best 0% Intro APR Credit Cards of 2018
These are our favorite credit cards that offer lengthy 0% intro APR offers on either purchases or balance transfers. Many of them also have great rewards, like the Citi ThankYou Preferred Card, which offers a 15 month interest free intro period and 2x points on dining and entertainment.
|Credit Card||Best For:||Intro APR Period||Regular APR||CreditCards.com Rating|
|Chase Freedom Unlimited®||Flat-rate cash back||15 months||16.49% - 25.24% Variable||3.4 / 5|
|Blue Cash Everyday® Card from American Express||Everyday spending||15 months||14.49% - 25.49% Variable||3.5 / 5|
|Discover it® Cashback Match™||Cash back match||14 months||13.49% - 24.49% Variable||3.9 / 5|
|Bank of America® Cash Rewards Credit Card||Gas purchases||12 billing cycles||14.74% - 24.74% Variable||3.8 / 5|
|Citi ThankYou® Preferred Card||Dining purchases||15 months||14.99% - 24.99% Variable||3.7 / 5|
|Wells Fargo Cash Wise® Visa Card||Large cash back bonus||12 months||14.49% - 26.49% Variable||3.5 / 5|
|Capital One® VentureOne® Rewards Credit Card||Earning miles||12 months||13.49% - 23.49% Variable||3.0 / 5|
|Wells Fargo Platinum Visa® Card||No annual fee||18 months||16.65% - 26.49% Variable||N/A|
|The Amex EveryDay® Credit Card from American Express||Intro 0% transfer fee||15 months||14.49% - 25.49% Variable||3.7 / 5|
|Chase Freedom®||Rotating rewards||15 months||16.49% - 25.24% Variable||3.4 / 5|
0% intro APR credit cards analyzed: 1,002
Criteria used: 0% intro APR period for purchases, 0% intro APR period for balance transfers, balance transfer fee, regular APR, other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application, security
What are 0% APR credit cards and what does 0% intro APR mean?
What are 0% APR credit cards?
A 0% intro APR card is a product that offers no interest for a set amount of time, sometimes up to 18 months or longer. 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.
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, provided that you pay off the debt before the offer ends. A 0% intro APR card can sometimes be used for purchases, as well, which is handy if you have a big purchase coming up.
When is it beneficial to have a 0% interest credit card?
- Major purchase. If you have a planned big purchase, a card with a 0% intro APR for purchases can be worth your while.
- Consolidation. Some consumers use a 0% APR card to consolidate debt, placing multiple balances on a single card for one easy payment.
- Card balance. This is the most common use of a 0% interest card. Transfer balances on high-interest cards to a card with a 0% intro APR.
- Non-card debt. You can use the 0% offer for debt other than card balances, although make sure you will pay it off before the go-to interest rate kicks in. A car loan with 3% interest may not be worth your while to transfer, for example, because the interest is already so low and you don't want to risk having the balance on a card with a considerably higher go-to rate.
- Emergencies. Say your car lands in the shop or you're facing an unexpected medical expense. While you don't want to end up with long-term debt and paying the card's go-to rate, if you time it correctly, you can pay for emergencies within the offer's term.
- Rewards. Think about the card after the debt is over. Look at any rewards a card may have that will make the card worth hanging onto after the balance is paid off.
Pros and Cons of the Best 0% APR Credit Cards
Chase Freedom Unlimited®
The Freedom Unlimited card's greatest features are its long 0% intro APR period of 15 months on purchases and balance transfers (then 16.49% - 25.24% variable), its unlimited 1.5% cash back, and its $150 sign-up bonus. It's also worth noting that these benefits, along with some ancillary perks like purchase protection, come at the price of no annual fee.
While its introductory period is a solid length, the card's regular APR is not the greatest, beginning at a 16.49% on the lower end of its variable range. A balance transfer fee of 5% (or $5, whichever is greater) is not terrible, but also not amazing.
Bottom Line: CFU's greatest strength is its flat-rate cash back; 0% intro APR comes as a nice side benefit.
Blue Cash Everyday® Card from American Express
15 months of intro 0% APR on purchases and balance transfers (then 14.49% - 25.49% variable) is complemented by strong rewards, including 3% at U.S. supermarkets is rarefied air in terms of rewards rates in this category; 2% back at U.S. gas stations is nothing to scoff at, either. These cash back rates are the BCE's defining quality, supplemented by a $150 statement credit, no annual fee, and American Express' superb customer service. Terms apply.
The 3% cash back at U.S. supermarkets only applies up to $6,000 in supermarket purchases a year, after which the rate drops down to 1%. It's not a big deal if you're single and spend less than $500 on groceries per month, but something worth keeping in mind if you have a large family.
Bottom Line: With a strong intro APR offer, the BCE really shines when it comes to cash back.
Discover it® Cashback Match™
In addition to its 14 months of introductory 0 interest, the Discover it Cashback Match also has a pretty reasonable regular APR afterwards (13.49% - 24.49% variable), thus avoiding a drawback of some competing zero interest cards. Its other great strength is 5% cash back on quarterly rotating categories (on up to $1,500 in purchases), with rewards earnings matched at the end of your first year (enrollment required).
14 months is slightly shorter than the introductory period of some competing credit cards.
Bottom Line: Solid intro offer, solid regular APRs, and unique cash back value.
Bank of America® Cash Rewards Credit Card
The Bank of America Cash Rewards card's greatest features are its 3% cash back rate on gas (for the first $2,500 in combined purchases each quarter), $150 sign-up bonus (after $500 spend in first 90 days of account opening), and serviceable regular APRs. There are also additional bonuses for Bank of America Preferred customers.
12 billing cycles of 0% APR on purchases and balance transfers is on the shorter side for introductory periods (then 14.74% - 24.74% variable).
Bottom Line: A good option for BofA options who want to save on gas.
Citi ThankYou® Preferred Card
Citi ThankYou points are competitive in their rewards redemption value, and the ThankYou Preferred card is generous with points on dining and entertainment purchases. Its 15 months of 0% introductory APR on purchases and balance transfers is a nice length (then 14.99% - 24.99% variable).
The Citi ThankYou Preferred Card is geared specifically towards dining out and entertainment and thus lacks high reward rates outside of these two categories.
Bottom Line: A strong rewards card for foodies and moviegoers, doubles well as a zero interest option.
Wells Fargo Cash Wise Visa® Card
With no annual fee, the Wells Fargo Cash Wise offers a $200 cash sign-up bonus and earns 1.5% unlimited cash back on purchases. This cash back rate goes up to 1.8% for mobile wallet purchases in your first 12 months.
The Cash Wise's 12 months of intro 0% APR on purchases and balance transfers (then 14.49% - 26.49% variable) is on the shorter end, with several competing cards offering 15 months or more.
Bottom Line: The large sign-up bonus may outweigh the shorter intro APR period for some consumers.
Capital One® VentureOne® Rewards Credit Card
The Capital One VentureOne card is a good option if you're looking to earn miles, with a 20,000 mile intro bonus and unlimited 1.25 miles per dollar on purchases. It also comes with reasonable regular APRs after its introductory 0% APR period.
There are two major cons – the VentureOne's 0% intro APR only applies to purchases, not balance transfers, and it only lasts for 12 months. Prospective applicants will have to weigh this against its strong miles rewards value.
Bottom Line: Good for earning miles, but not for balance transfers.
Wells Fargo Platinum Visa® Card
Its 0% intro APR period on both purchases and balance transfers stands at 18 months, which is quite long. You also don't have to worry about paying an annual fee.
The Wells Fargo Platinum card's regular APR (16.65% - 26.49% variable) skews on the higher side.
Bottom Line: A solid choice due to its long intro offer.
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay is a card that specializes in balance transfers. In addition to its 15 month of intro 0% APR on purchases and balance transfers (then standard variable rate, currently 14.49% - 25.49%), the EveryDay also offers a $0 balance transfer fee, a rare and valuable feature among credit cards, as long as you request balance transfers within your first 60 days. Terms apply.
Its sign-up bonus could be stronger than 10,000 points considering the minimum required spend of $1,000.
Bottom Line: The Everyday card's $0 balance transfer fee offer really sets it apart.
Like its Unlimited variant, the Chase Freedom card offers 15 months of 0% APR on purchases and balance transfers before regular 16.49% - 25.24% variable rates kick in. In addition to its value as an interest saving tool, it also comes with no annual fee, a $150 sign-up bonus, and 5% cash back on rotating categories each quarter.
The Freedom's regular APR lean toward the higher side, even on the lower end of its variable range. The balance transfer fee of 5% (or $5, whichever is greater) is also not the lowest around.
Bottom Line: A superb choice for rotating rewards, serviceable as a 0% APR card.
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.
However, life sometimes gets in the way of our best intentions. There may be a need for you to carry a balance after the offer ends. In that case, it's a good idea to know what variable rate is offered by the card you are eyeing.
0% Offers with Go-to Rates That Are Below Average
Based on a creditcards.com survey of 100 cards, the average post-introductory-period APR was 19.33%, in December, up from 18.45%. Usually, the rates are variable, and depend on the Federal Reserve's rates, as well as your payment habits. Here, we look at 0% intro APR cards with go-to rates starting below that level.
|Card||0% Offer||Go-to Rate||Annual Fee|
|Chase Freedom||15 months, BT & purchases||16.49%-25.24% variable||$0|
|Amex EveryDay||15 months, BT & purchases||14.49%-25.49% variable||$0|
|Citi ThankYou Preferred||15 months, BT & purchases||14.99%-24.99% variable||$0|
What is the average interest rate on a credit card? What is good?
The national average interest rate is currently 16.41% APR. The average low interest rate is currently 13.14%. Typically, card issuers offer variable interest rates, and the lower rate on the scale is often below the national average. Here are 0% cards with low go-to rates:
|Card||0% Offer||Go-to Rate||Annual Fee|
|Wells Fargo Cash Wise||12 months, BT & purchases||14.49%-26.49% variable||$0|
|Capital One Quicksilver Cash Rewards||15 months, BT & purchases||14.49%-24.49% variable||$0|
|Discover it Cashback Match||14 months, BT & purchases||13.49%-24.49% variable||$0|
|Capital One VentureOne Rewards||12 months for purchases||13.49%-23.49% variable||$0|
|Discover it||6 months for purchases; 18 months for BT||13.49%-24.49% variable||$0|
What determines the APR on a credit card?
According to a creditcards.com poll on debt, 28% of consumers carry a balance on their credit card, 43% for 2 or more years and 23% for 5 or more years. And each month they carry that debt, the interest charges climb ever higher.
That's because the card issuer has assigned an APR rate to your account, based in part on the Federal Reserve's rates, your payment habits and your credit score. The card issuer's interest for that card also influences your rate. Typically, issuers offer a variable rate and you are assigned a rate within that range.
So if you have been paying on time and you have been keeping your balances low, you have a higher chance of a lower rate.
APR Rates on credit cards
You aren't charged a single rate with a credit card, unlike other types of loans. Here are the 4 primary types of APRs you can face when you use your credit card:
- Purchase APR – This APR is applied when you make a purchase. When you allow the balance to carry over past the grace period, you face interest charges. This is the most common interest rate on a credit card.
- Balance transfer APR – When you transfer a balance to a new card, you can be charged this rate, although there are many cards on the market that don't charge interest for a limited time when you transfer a balance. It is possible for this rate to be greater than the purchase APR, although that's unusual.
- Penalty APR – If you aren't making payments – in other words, you are delinquent – you can face this rate. This rate is quite a bit higher than the other rates.
- Cash advance APR – When you take out a cash advance, such as when you make an ATM withdrawal, you are charged this rate. While not as high as the penalty rate, it is typically higher than purchase or balance transfer APRs. There is no grace period with a cash advance, so count on being charged interest from day one.
Why are credit card rates so high?
Credit card issuers don't just charge high rates because they want to gouge the consumer ‐ they face significant risk when they issue a credit card.
Why? Because they are committing to lending you money, just as when a bank grants you a mortgage or car loan. However, cards differ because they are what is called an unsecured product, while a loan to buy a car or house is secured. That means that with a card, there is no collateral, or an asset the lender can recover if you don't pay them their money back.
Also, unlike a lending product such as some student loans in which the federal government may back the loan, no one is backing the loan you are taking out with a credit card every time you make a charge.
How do you calculate interest on a credit card?
When you carry a balance from month to month, you face an interest rate called the Annual Percentage Rate, or APR. The rate depends on several factors including your credit score and the card's variable rate.
You are charged interest when you carry a balance, once the grace period ends. In some cases, such as when you take out a cash advance, there is no grace period. There are two balances on your card when you have a 0% intro offer: the one with the offer and the one without.
While your APR is expressed in a year, according to Discover, card issuers use that figure to calculate charges over your monthly statement period. The easiest way to calculate the interest you owe is to check out the creditcards.com calculators.
With these calculators you can figure out how long it will take you to pay off a balance with the minimum payment; how to maximize paying off the balance within a specified amount of time or amount each month; or figure out your payoff with a balance transfer calculator.
How Interest Works
If you want to understand the mechanics of how interest is calculated, here's what Discover has to say about calculating the APR on a credit card:
"To find out how much interest you're paying on your balance each day, you can convert your APR to a daily percentage rate. To do so, divide your APR by 365, the number of days in a year. At the end of each day, the card issuer will multiply your current balance by the daily rate to come up with the daily interest charge. That charge is then added to your balance the next day, a process called compounding.
"If your credit card has an APR of 15%, it will have a daily rate of .041096%. Let's say a cardholder has a balance of $1,000 at the 15% APR standard interest rate. The next day, interest is added and the balance becomes $1,000.41, plus any additional purchases and minus any new credits or payments. This process occurs each day until the end of the cardholder's monthly statement cycle. So, at the end of the month, the beginning $1,000 balance becomes $1,013 when interest charges are applied at 15% APR."
How do you avoid paying interest on a credit card?
The best way to avoid paying interest on a credit card is to pay in full before the due date each month and don't put a charge on your card that you don't already have the money for.
Another way to avoid paying interest is through the use of a 0% intro APR card. With these cards, you have a set amount of time when you can pay off the balance without incurring interest charges. But heads up: You'll need to pay more than the minimum.
If you are trying to get out from under an existing balance with a 0% offer, there are a number of things you can do to make sure you don't make the same mistake again. With the right steps, you can also work toward building your credit and avoid other bad habits. Here are some tips:
What to do when your 0% intro period ends
- Don't transfer to a new card. If you have a balance left over after the 0% intro offer ends, avoid temptation to just transfer the balance again, partly because you aren't solving the problem by doing that, but also because lenders may see what you are doing and deem you a risk.
- Keep the card. Once the debt is paid off, don't close the account. Also, put a small charge on it each month and pay in full to keep the account active. This helps you build your credit. Be sure to pay on time, every time.
- Is there an annual fee? One reason to close the account is if there is an annual fee that isn't counterbalanced by rewards that you'll use. That said, keep in mind that closing the account can harm your credit if you have a card balance elsewhere.
- Keep using the old card. You should still use your old card, putting a small charge on it and paying in full each month. As with the balance transfer card, this helps you continue to build your credit.
- Stick to your budget. There's no point in paying off the balance if you haven't addressed what got you there in the first place. Create a realistic budget with room for fun and savings, so you'll stay true to it.
Are 0% credit cards to blame for rising credit card debt levels?
The average debt per cardholder was $5,644 in the fourth quarter of 2017, up from $5,486 in 2016, according to a TransUnion report released in February. Daunting debt imposes on our ability to plan and dream, and it behooves us to get a handle on it.
You'll sometimes hear someone blame the credit card for their debt, but it's important to instead identify how you got into that debt in the first place. And no, it's not because the 0% intro offer was too short; rather, you may not have budgeted for paying off the balance in time.
Credit cards are great for convenience, rewards and building credit. They're not so great for long-term debt. Have you been using your card correctly?
For example, do you have spending habits that need to be adjusted? Or is there a kind of spending that got you into trouble? A creditcards.com poll from September 2017 found that 32% of those surveyed got into debt through spending on everyday purchases. Here are top reasons why consumers face a balance with their cards:
Our Reasons for Incurring Card Debt
- Day-to-day expenses - 32%
- Retail purchases such as clothing, electronics - 16%
- Medical bills - 12%
- Home repairs - 10%
- Vacation expenses - 10%
- Car repairs, expenses - 7%
- Something else - 7%
You might also be at risk because of your responsibilities. College, mortgage, big family – these factors can hit a wallet hard when piled on top of each other. The creditcards.com poll found that middle-aged consumers – younger Baby Boomers and Gen X consumers – were more likely to have card debt and carry a balance, while consumers from the Silent Generation and older Boomers were least likely to have card debt.
- Gen X - 36%
- Young Boomers - 33%
- Millennials - 26%
- Older Boomers - 24%
- Silent Gen - 19%
Do some soul-searching about how you landed in debt before you take out that 0% APR offer. While a 0% intro APR offer can be an excellent tool for paying off a balance without paying interest, these cards are only as good as you make them.
Are 0% credit cards a trap?
Zero interest credit cards are among the best weapons in your financial arsenal when you are trying to pay down debt. But they can beat you down if you don't use them correctly. Here, we look at what happens when they are used incorrectly and the right way to use them.
What can go wrong when you use 0% interest cards incorrectly?
- You fail to pay on time. If you violate the agreement, for example you don't pay on time, you can lose the 0% offer. Always pay on time and don't go over the limit.
- You use the card for new purchases. If you use the card for new purchases outside of a 0% offer for purchases, you will incur new interest charges, basically negating the savings you'd otherwise enjoy.
- You don't pay off the balance in time. If you don't pay off the balance by the time the offer ends, you will incur interest charges for the leftover amount.
What is the right way to use 0% interest cards?
- Budget balance transfer fee. In most cases, there's a balance transfer fee of 3%-5%. Make sure you'll benefit from the balance transfer even with the fee. Some cards, such as the Chase Slate, waive this fee within a set amount of time.
- Read the terms. Make sure you are clear about how much time you have to make a purchase or transfer. Also, check the fine print for details about fees and penalties.
- Plan payoff. Figure out how many months it will take you to pay off the debt so that you get the right card with the right terms. Let's say you owe $3,000. With the Chase Slate, for example, you get a 15-month 0% intro APR on purchases and balance transfers, which means you pay $200 a month to pay it off before the offer ends. Contrast that with the Discover it, with an 18-month 0% offer on balance transfers, which means you only pay $166.67 a month before the offer ends. (Keep in mind that while the Chase Slate has no balance transfer fee if you transfer within the first 60 days of card membership, the Discover it's 3% fee means you will pay $90 upfront.)
- Pay off quickly. Pay off as quickly as possible, because your credit score looks at both your individual and combined available credit, so a maxed-out balance transfer card can negatively influence your score.
- Avoid new purchases. Avoid new purchases on the card unless you have a plan to pay it off before the purchase terms end. If there is no purchase intro APR, don't put new charges on the card, because you can end up incurring interest with those charges.
- Use old card correctly. Make sure you put a small charge on the card and pay it off each month to keep the account active. This helps with your credit while you pay off the debt on the new card.
How to compare two cards with a 0% APR offer
Because there are so many factors when choosing a 0% APR card, you need to make sure you are comparing apples with apples. Is there a balance transfer fee? Do the cards offer sign-up balances? What's the 0% APR offer? The answers to these questions will help inform your decision, which we look at below.
Factors to consider about 0% APR cards with no balance transfer fee
- What is the 0% offer's term? There's no point in getting a card with no balance transfer fee if the offer's term isn't long enough for you to be able to pay back the debt before the offer ends. In that case, another card may be worth your while.
- What is the deadline? Often, cards require you to make the transfer within a set amount of time to get the balance transfer fee waived. Make sure it's a deadline you can meet. If you plan to transfer the balance after the offer ends, make sure you budget the balance transfer fee.
- Is there an annual fee? Cards with no balance transfer fee often have no annual fee. If there is an annual fee, that cuts into your savings with the waived balance transfer fee.
- Do you plan to make a large purchase soon? Check if the card with no balance transfer fee has a 0% intro offer for purchases if you plan to use the card to make a major purchase. Otherwise, using the card for new purchases can undercut the savings from having the fee waived.
Comparing two 0% APR cards with no balance transfer fee
|Card||BT Fee Offer||Fee After 60 Days||0% Intro APR||Annual Fee||Go-to Rate|
|The Amex EveryDay® Credit Card from American Express||No BT fee||No BT allowed||0% APR for 15 months, purchases & balance transfers||$0||Ongoing APR 14.49%-25.49% variable|
|Chase Slate||No BT fee when made in 60 days of opening account||After 60 days, BT fee is 5% or $5, whichever is greater||0% APR for 15 months, purchases & balance transfers||$0||Ongoing APR 16.49%-25.24% variable|
As you can see, both the Amex EveryDay and Chase Slate have no balance transfer fee within the first 60 days of opening the account. However, if you want to make a balance transfer after the first 60 days, the Amex EveryDay doesn't allow for that. The Slate's BT fee is a low $5 for a balance transfer under $200, if you anticipate that you will transfer a balance after the 60-day offer.
Factors to consider about 0% cards with sign-up bonuses
- What's the sign-up bonus? Some 0% APR cards offer a sign-up bonus of up to $200.
- What are the ongoing rewards? You can probably find a 0% APR card with rewards of at least 1% cash back.
- Is there an annual fee? An annual fee might be required, but it can be an indication that the rewards are superior.
- Does it have a 0% APR for purchases? Do you need it? Some cards don't have intro APR offers for purchases, so check, if you plan to make a big purchase soon.
Comparing two 0% APR cards with an intro bonus
|Card||0% Offer||Intro Bonus||Ongoing Rewards||Annual Fee||Go-to Rate|
|Chase Freedom Unlimited||0% intro APR for 15 months, purchases & balance transfers||$150 bonus/$500 spend in 3 mths||1.5% back on all purchases||$0||Ongoing APR 16.49%-25.24% variable|
|Blue Cash Everyday||0% intro APR for 15 months, purchases & balance transfers||$150 bonus/$1,000 spend in 3 mths||3% back at U.S. supermarkets; 2% back at U.S. gas stations, select U.S. department stores; 1% everything else||$0||Ongoing APR 14.49%-25.49% variable|
As you can see, while the Freedom Unlimited is a good use-it-and-forget-it card, the Blue Cash Everyday is ideal for the family that cooks at home. With both offering 0% APR for 15 months on purchases and balance transfers, they provide cover for a little over a year.
The Best 0% APR/Interest Credit Cards of 2018
The credit cards listed on this page make up our top selections when it comes to 0% APR on purchases and balance transfers. Our balance transfer and low interest pages are also good resources for your credit card needs.
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