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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 the best no interest offers from our partners to suit different spending habits.
See the best 0% intro APR 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.
0% Intro APR - Purchases
0% Intro APR on Purchases for 15 months
0% Intro APR - Balance Transfers
0% Intro APR on Balance Transfers for 15 months
16.24% - 24.99%
Intro Bonus Value
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
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
By: Laura Mohammad
Updated: March 1, 2018
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:
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.
CreditCards.com's Best 0% Interest Credit Cards of 2018
Zero interest credit cards offer an introductory period with no interest rate fees, usually up to 18 months. According to CreditCards.com’s weekly research, the average 0% interest credit card has a 15.63% regular APR after the no-interest intro period.
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
0% Purchase APR Period
Chase Freedom Unlimited®
16.24% - 24.99% Variable
Discover it® Cashback Match™
13.24% - 24.24% Variable
Blue Cash Everyday® Card from American Express
14.24% - 25.24% Variable
Bank of America® Cash Rewards Credit Card
12 billing cycles
14.24% - 24.24% Variable
Capital One® VentureOne® Rewards Credit Card
13.24% - 23.24% Variable
16.24% - 24.99% Variable
Wells Fargo Platinum Visa® Card
16.40% - 26.24% Variable
The Amex EveryDay® Credit Card from American Express
14.24% - 25.24% Variable
16.24% - 24.99% Variable
Citi ThankYou® Preferred Card
14.74% - 24.74% Variable
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