0% Intro APR Credit Cards

These cards offer an outstanding 0% intro APR on purchases, balance transfers, or both. This can help you finally get your hands on that big-ticket item you’ve been eyeing, or manage debt by transferring an existing balance. 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.

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®

(9,099 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

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
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

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

See Rates & fees
Terms Apply
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

13.24% - 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

13.24% - 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 13.24% - 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

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

$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

0% Intro APR - Purchases

15
months

0% Intro APR - Balance Transfers

15
months

Regular APR

14.24% - 25.24%
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 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 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 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
Zero Fraud Liability
Mobile Pay Ready
Presale Tickets
View More Details

at American Express's
secure site

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

APPLY NOW

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

14.24% - 24.24%
Variable APR on purchases and balance transfers

Intro Bonus Value

$150
?

Get $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

14.24% - 24.24%
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, 14.24% - 24.24% 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
Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
Regular APR 14.24% - 24.24% 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
MasterCard World
FICO Score
View More Details

at Bank of America'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®

(13,992 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

Capital One® Quicksilver® Cash Rewards Credit Card

APPLY NOW

0% Intro APR - Purchases

9
?

0% intro on purchases for 9 months

months

0% Intro APR - Balance Transfers

9
?

0% intro on balance transfers for 9 months

months

Regular APR

14.24% - 24.24%
variable

Intro Bonus Value

$150
?

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Capital One® Quicksilver® Cash Rewards Credit Card

0% Intro APR - Purchases

9
months

0% Intro APR - Balance Transfers

9
months

Regular APR

14.24% - 24.24%
variable

Intro Bonus Value

$150

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% intro on purchases for 9 months
Regular APR 14.24% - 24.24% (Variable)
Balance Transfers Intro APR 0% intro on balance transfers for 9 months

Features

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

at Capital One's
secure site

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

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®

(5,959 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

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: February 19, 2018

CreditCards.com's Best 0% Interest Credit Cards of 2018

0% interest credit cards have no interest rate fees for a set period, usually up to 21 months. According to our weekly research at CreditCards.com, the average no interest credit card has a 15.63% regular APR, which goes into effect after the 0% intro APR period.

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

Whether you are trying to cut down on your interest on your card balance or you have a major purchase coming up, 0% intro APR cards can be a good choice. But there are a few tricks you need to be aware of. Here, we look at:

  • What is the right way to use 0% interest cards?
  • When is it beneficial to have a 0% interest credit card?
  • What to do when your 0% intro period ends
  • Factors to consider about cards with no balance transfer fee

Basically, a 0% interest card gives you a set amount of time, up to 18 months, to pay back your card’s balance without paying interest. Not sure how to use a 0% interest card? Want to know how they can help simplify your life? We explain:

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.
  • Read the terms. Make sure you are clear about how much time you have to make a purchase or transfer.
  • 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.
  • 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.

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.

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.
  • 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.

Factors to consider about 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.
  • Is there an 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.

Recap: Our Best 0% Intro APR Credit Cards of 2018

Card0% Purchase APR PeriodAnnual FeeRegular APR
Chase Freedom Unlimited®15 months$016.24% - 24.99% Variable
Blue Cash Everyday® Card from American Express15 months$014.24% - 25.24% Variable
Discover it® Cashback Match™14 months$013.24% - 24.24% Variable
HSBC Gold Mastercard® Credit Card18 months$012.24% - 20.24% Variable
Chase Freedom®15 months$016.24% - 24.99% Variable
Bank of America® Cash Rewards Credit Card12 billing cycles$014.24% - 24.24% Variable
The Amex EveryDay® Credit Card from American Express15 months$014.24% - 25.24% Variable
Capital One® Quicksilver® Cash Rewards Credit Card9 months$014.24% - 24.24% Variable
Wells Fargo Platinum Visa® Card15 months$016.40% - 26.24% Variable
Chase® Slate15 months$016.24% - 24.99% Variable

Join the Discussion

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