Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Zero-interest credit cards (or 0% intro APR credit cards) let cardholders make payments with no interest charges on purchases, balance transfers or both for a set period of time. Your entire payment (except for any fees) is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate.
The best zero-interest credit cards tout long promotional APR periods, usually between 14 to 21 months and can save you hundreds or thousands of dollars in interest. But before you sign up for one, make sure you know what you’re getting into. Keep reading to learn more and to find the top offers from our partners.
Zero-interest credit cards (or 0% intro APR credit cards) let cardholders make payments with no interest charges on purchases, balance transfers or both for a set period of time. Your entire payment (except for any fees) is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate.
The best zero-interest credit cards tout long promotional APR periods, usually between 14 to 21 months and can save you hundreds or thousands of dollars in interest. But before you sign up for one, make sure you know what you’re getting into. Keep reading to learn more and to find the top offers from our partners.
Best 0% APR Credit Cards of 2022
Wells Fargo Reflect℠ Card – Up to 21 months 0% intro APR on purchases and qualifying balance transfers from account opening
Regular APR is 14.49%-26.49% Variable APR
BankAmericard® credit card – 18-billing-cycle 0% intro APR for any balance transfers made within the first 60 days and purchases
Regular APR is 13.74% - 23.74% Variable APR on purchases and balance transfers
Citi Custom Cash℠ Card – 15-month 0% intro APR for purchases and balance transfers
Regular APR is 15.49% - 25.49% (Variable)
U.S. Bank Visa® Platinum Card – 0% intro APR for the first 20 billing cycles
Regular APR is 15.99% - 25.99% (Variable)
Chase Freedom Unlimited® – 15-month 0% intro APR on purchases and balance transfers
Regular APR is 15.74% - 24.49% Variable
Discover it® Cash Back – 15-month 0% intro APR for purchases and balance transfers
Regular APR is 13.49% - 24.49% Variable
Citi® Diamond Preferred® Card – 12-month 0% intro APR for purchases and 21-month 0% intro APR on balance transfers completed within the first four months
Regular APR is 15.24% - 25.24% (Variable)
Wells Fargo Active Cash® Card – 0% intro APR for 15 months on purchases and qualifying balance transfers for 120 days from account opening
Regular APR is 16.49%, 21.49%, or 26.49% Variable APR
Bank of America® Customized Cash Rewards credit card – 15-billing-cycle 0% intro APR for any balance transfers made within the first 60 days and purchases
Regular APR is 14.74% - 24.74% Variable APR on purchases and balance transfers
Citi Simplicity® Card – 12-month 0% intro APR for purchases and 21-month 0% intro APR on balance transfers completed within the first four months
Regular APR is 16.24% - 26.24% (Variable)
Bank of America® Unlimited Cash Rewards credit card – 15-billing cycle 0% intro APR on balance transfers in the first 60 days and purchases
Regular APR is 14.74% - 24.74% Variable APR on purchases and balance transfers
Discover it® Balance Transfer – 18-month 0% intro APR on balance transfers and 6 months for purchases
Regular APR is 13.49% - 24.49% Variable
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
0% intro APR for up to 21 months from account opening
0% Intro APR Balance Transfer Period
0% intro APR for up to 21 months from account opening on qualifying balance transfers
Regular APR
14.49%-26.49% Variable APR
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
At A Glance
0% intro APR purchase period
0% for 18 billing cycles
0% Intro APR Balance Transfer Period
0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
Regular APR
13.74% - 23.74% Variable APR on purchases and balance transfers
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
15.49% - 25.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
15.74% - 24.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
Intro offer only applies to purchases
Regular APR
15.49% - 25.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
13.49% - 24.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:3.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
At A Glance
0% intro APR purchase period
0% intro APR for 15 months from account opening
0% Intro APR Balance Transfer Period
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
16.49%, 21.49%, or 26.49% Variable APR
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
16.49% - 26.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:3.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
At A Glance
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
16.49% - 26.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:3.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of
account opening.
At A Glance
0% intro APR purchase period
15 billing cycles
0% Intro APR Balance Transfer Period
15 billing cycles
Regular APR
15.99% - 25.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
At A Glance
0% intro APR purchase period
0% for 15 billing cycles
0% Intro APR Balance Transfer Period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
BEST UNLIMITED CASH BACK FOR PREFERRED REWARDS MEMBERS
Our rating:3.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
At A Glance
0% intro APR purchase period
0% for 15 billing cycles
0% Intro APR Balance Transfer Period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
At A Glance
0% intro APR purchase period
6 months
0% Intro APR Balance Transfer Period
18 months
Regular APR
13.49% - 24.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Up to 21 months
On purchases from account opening and qualifying balance transfers made within 120 days from account opening if you make on-time monthly minimum payments for the full length of the offer
Best for longest intro APR: Wells Fargo Reflect℠ Card
Best features: This is the one of the longest 0% introductory APR offers on purchases and qualifying balance transfers on the market (up to 21 months from account opening, then 14.49% to 26.49% variable APR).
Biggest drawbacks: There’s some fine print associated with the introductory APR offer. For starters, you get 18 months from account opening of a 0% intro APR on purchases and qualifying balance transfers (then variable 14.49% to 26.49% APR) with the option of qualifying for an extension of up to three months with on-time minimum payments during the intro and extension periods. Plus, if you don’t transfer a balance within 120 days of account opening, you won’t qualify for the intro rate of 3% and you’ll face a higher balance transfer fee (up to 5% or $5 minimum).
Alternative: The Citi® Double Cash Card has better long-term value than most credit cards that come with long intro APRs, offering 2% cash back on purchases (1% upon making a purchase and 1% when paid off). It doesn’t have an intro APR offer on purchases, but it does have an 18-month 0% intro APR offer on balance transfers (a variable 15.49% to 25.49% rate after) if you’re looking to pay off credit card debt.
Bottom line: If you suspect you’ll need an extra-long window to pay off a large purchase or a qualifying balance transfer, this card should be top of mind.
Best for low ongoing APR: BankAmericard® credit card
Best features: With this card, you’ll have 18 billing cycles to take advantage of a 0% introductory APR on both balance transfers made within the first 60 days and purchases. After that, your regular APR ranges from 13.74% – 23.74% variable. The low regular APR and lack of an annual fee make this card more valuable than the average 0% intro APR card.
Biggest drawbacks: This card doesn’t earn rewards and lacks the features and benefits that would help to make it useful once you’ve finished using it for balance transfers.
Alternative: The Capital One SavorOne Cash Rewards Credit Card comes with an intro APR offer but also earns rewards, including 3% cash back on grocery stores (excluding superstores like Walmart® and Target®), dining, entertainment, and popular streaming services (1% on other purchases).
Bottom line: This is a solid pick for someone with a lot of debt or who plans to make a large purchase and wants to pay it off over an extended period without any interest charges.
Best for 0% introductory APR on purchases + cash back: Citi Custom Cash℠ Card
Best features: This flexible, low-maintenance card doesn’t just have a nice intro APR. It also comes with a sign-up bonus and a chance to earn 5% cash back in your top eligible spending category. That’s one of the highest rates you can earn in areas like gas, groceries or dining.
Biggest drawbacks: You’ll pay a steep 5% fee for balance transfers (or $5, whichever is greater). There’s a cap on your 5% cash back (up to $500 each billing cycle in your top eligible spending category, then 1%), which eats into the card’s value.
Alternative: For a lot of people, the Chase Freedom Flex℠ will come out on top, thanks to a similar intro APR offer, high rewards in multiple bonus categories and a slightly smaller spending requirement to earn the sign-up bonus. To learn more, check out the battle of the 5% back cards.
Bottom line: The intro APR offer and chance to customize your cash back rewards make the Citi card a great option.
Best for large purchases: U.S. Bank Visa® Platinum Card
Best features: If you’re looking for a card with one of the longest intro APR offers on the market, this is a solid pick. Cardholders receive a full 20 billing cycles of 0% intro APR before they start accruing interest on new purchases and balance transfers (15.99% to 25.99% variable APR thereafter).
Biggest drawbacks: This card has limited value as it does not offer a sign-up bonus, rewards program or any cost-saving benefits beyond cellphone protection.
Alternative: If you don’t need the longest interest-free period possible, the Capital One SavorOne Cash Rewards Credit Card comes with an impressive intro APR offer, sign-up bonus and has greater long-term value thanks to its cash-back rewards program and generous purchase and travel protections.
Bottom line: Anyone seeking a significant amount of time to pay down new purchases interest-free will want to consider the U.S. Bank Visa® Platinum Card.
Best for 0% intro APR with rewards: Chase Freedom Unlimited®
Best features: There’s so much more to the Freedom Unlimited besides the intro APR offer for purchases and balance transfers. Cardholders can also earn a sign-up bonus and enjoy a rewards program that earns bonus rewards for travel booked through Chase Ultimate Rewards, as well as dining and drugstore purchases. And if you pair the Freedom Unlimited with other Chase cards, you could increase the redemption value of the points you earn.
Biggest drawbacks: Anyone looking to travel or shop internationally will be disappointed by the 3% foreign transaction fee.
Alternative: If you spend more on food and entertainment, you might get more value out of the Capital One SavorOne Cash Rewards Credit Card. It also has an intro APR offer but with more categories that earn 3% cash back, including at grocery stores and with select streaming services.
Bottom line: The Chase Freedom Unlimited is a versatile credit card that will add a lot of value to your wallet long after the intro APR offer, especially if you travel often.
Best for good credit: Blue Cash Everyday® Card from American Express
Best features: Families on a budget can get a lot of value out of this card. On top of a long intro APR offer on purchases, the card also earns bonus rewards on typical household purchases, including at U.S. supermarkets and U.S. gas stations. Read about how finance expert Ana Staples uses the Blue Cash Everyday card.
Biggest drawbacks: There is no intro APR balance transfer offer, and U.S. supermarket rewards are capped at $6,000 per year in spending, then drops to 1%.
Alternative: The Capital One SavorOne Cash Rewards Credit Card has an intro APR offer for both purchases and balance transfers and offers 3% cash back in more bonus categories, including dining and grocery stores (excluding superstores like Walmart® and Target®).
Bottom line: On top of the intro APR offer, the Blue Cash Everyday® Card from American Express offers an impressive cash back rewards program for no annual fee.
Best for rotating category rewards: Discover it® Cash Back
Best features: One of the best rewards credit cards on the market, this card’s rotating categories lets users earn high rewards in a variety of seasonal areas. It also comes with an intro APR offer on new purchases and balance transfers and a unique sign-up bonus that matches all the rewards you earn at the end of your first year. Read more and see how expert Ana Staples uses the Discover It Cash Back card.
Biggest drawbacks: Rotating categories that you have to enroll in can be a hassle for some people. Some may also prefer to earn rewards in their favorite categories year-round instead of quarterly.
Alternative: Depending on your spending habits, you may get more value from the Blue Cash Preferred® Card from American Express. Though it has an annual fee of $95, instead of quarterly bonus categories, you have the chance to earn an impressive amount of cash back all year in popular household categories, including U.S. supermarkets, select U.S. streaming services, U.S. gas stations and transit.
Bottom line: The Discover it Cash Back is a solid pick for someone looking for a credit card with well-rounded benefits, a potentially low go-to APR and a competitive cash back rewards program.
Best for balance transfer: Citi® Diamond Preferred® Card
Best features: If paying off debt is your top priority and you have good or excellent credit, the Citi Diamond Preferred Card could be a lifesaver. The card comes with an extremely long 21-month introductory APR offer on balance transfers completed within the first 4 months, after which your APR is a relatively low 15.24% to 25.24% (variable). Want to learn more? See how expert, Emily Sherman, uses the Citi Diamond Preferred card.
Biggest drawbacks: The lack of a base rewards program limits this card’s long-term value. Plus, the balance transfer fee (5% of your balance or $5, whichever is higher) will cost consumers more than the standard 3% fee found with other cards.
Alternative: If you think you can pay off your balance transfer faster than 21 months, the versatile Citi® Double Cash Card may be a better choice. Its intro APR offer isn’t as long, but it has better value thanks to a rewards program that earns up to 2% cash back on purchases (1% when you buy and 1% as you pay).
Bottom line: The Citi® Diamond Preferred® Card is best for someone focused on paying off debt and who isn’t looking for a rewards credit card that offers points or miles.
Best for versatility and long-term value: Wells Fargo Active Cash® Card
Best features: The Active Cash packs in a lot more value than most flat-rate cash rewards cards. On top of earning unlimited 2% cash rewards on eligible everyday spending, members also enjoy an intro APR offer, generous sign-up bonus, and a variety of redemption options.
Biggest drawbacks: Depending on spending habits, some may be better served by a card that allows you to maximize earnings in specific categories. It’s also important to note that the intro APR on qualifying balance transfers must be made within the first 120 days as a cardholder to receive the special intro rate.
Alternative: To get even more value out of the Active Cash Card, consider pairing it with a credit card that offers high rewards in bonus categories that fit your everyday spending. One example is to use the Citi Custom Cash℠ Card to earn 5% cash back on your biggest eligible spend area (up to the first $500 spent each billing cycle, then 1%), like gas, and then use the Active Cash Card for all of your other purchases.
Bottom line: The flat rate of 2% cash rewards on purchases alone makes the Wells Fargo Active Cash® Card a worthy addition to any wallet.
Best for unlimited + everyday rewards in popular categories: Capital One SavorOne Cash Rewards Credit Card
Best features: This card offers better short and long-term value than most intro APR credit cards. On top of the rewards you earn in popular household and entertainment categories, there’s also a sign-up bonus with a low spend requirement: Earn $200 after spending $500 on purchases within three months of opening an account.
Biggest drawbacks: If you don’t qualify for the low end of the regular variable APR rate, you could get hit with high interest rates on any balances carried over from month to month once the intro APR offer ends.
Alternative: If you spend more on groceries than you do dining, consider the Blue Cash Preferred® Card from American Express. It comes with a $95 annual fee but has an impressive 6% cash back at U.S. supermarkets (on up to $6,000 in spending each year, then 1%), a $350 statement credit welcome offer (when you spend $3,000 within the first 6 months) and a slew of other perks worth considering.
Bottom line: This versatile card is a great option for modest spenders looking to earn rewards in popular food and entertainment categories.
Best for no annual fee: Capital One Quicksilver Cash Rewards Credit Card
Best features: The Quicksilver Cash Rewards has more than just a long intro APR to help you make interest-free payments on purchases and balance transfers well into 2023 (0% intro APR for 15 months then 16.49% to 26.49% variable). Like the best Capital One credit cards, you also get a sign-up bonus, a chance to earn rewards on all of your purchases, and a number of travel and consumer benefits. Learn more and see how credit card expert Ana Staples uses the Capital One Quicksilver Cash Rewards card.
Biggest drawbacks: Despite its versatility, this card doesn’t earn the highest rewards or offer up the longest intro APR offer. If you need as much time as possible to pay off purchases or credit card debt, or you want to earn a higher flat rate for all your purchases, you’ll need to look elsewhere.
Alternative: The Wells Fargo Active Cash® Card has a lot in common with the Quicksilver Cash Rewards card, but goes a bit further with 2% cash rewards on your purchases.
Bottom line: The Capital One Quicksilver Cash Rewards card is a good fit for someone looking for a card that can do more than provide an intro APR offer.
Best for customizing rewards: U.S. Bank Cash+® Visa Signature® Card
Best features: You get more freedom than most rewards credit cards to choose how you earn high rewards in multiple bonus categories. This card can be a great option for people who want an intro APR offer and love earning as much cash back as possible in a variety of everyday categories.
Biggest drawbacks: It can be a hassle remembering to choose and enroll in bonus categories each quarter. To earn the most value out of your purchases, you may need to juggle multiple credit cards to help offset the card’s spending cap.
Alternative: The Wells Fargo Active Cash® Card makes life a whole lot easier for rewards seekers. It lets you earn 2% cash rewards on your purchases without having to track your spending or enroll in bonus categories.
Bottom line: There are a lot of opportunities to earn high rewards with the U.S. Bank Cash+® Visa Signature® Card, but it takes some work to get the most value out of this card.
Best for flexible cash back categories: Bank of America® Customized Cash Rewards credit card
Best features: On top of the intro APR offer, this card offers a lot more flexibility than most rewards cards. You can choose one bonus category from a long list of popular, everyday options and even change it once a month if you think you’ll spend more in another area. You can also earn a nice flat rate on your grocery purchases, including wholesale clubs, which typically only earns 1% on traditional rewards cards.
Biggest drawbacks: The $2,500 quarterly spending cap for the 2% and 3% combined categories (then 1%) may not be enough for big spenders, especially Bank of America Preferred Rewards members.
Bottom line: This card has great short- and long-term value for people on a budget, but big spenders could earn more rewards with other options like a flat-rate card.
Best for 0% intro APR + low fees: Citi Simplicity® Card
Best features: This no-frills credit card will appeal to people looking for one of the longest intro APR offers for balance transfers on the market.
Biggest drawbacks: The card has limited value beyond the intro APR offer. Plus, you’ll pay a balance transfer fee of 5% or $5 of each transferred balance, whichever is greater and only have four months from account opening to complete your transfers. Other cards only charge a 3% balance transfer fee and have longer periods to complete all transfers.
Alternative: Check out the Citi® Double Cash Card if you want a long intro APR offer on balance transfers and a chance to earn rewards.
Bottom line: If you want to avoid interest in the short term and certain fees in the long term, the Citi Simplicity fits the bill. It’s one of the only cards on the market that lets you avoid late payment fees and a penalty APR for the long haul.
Best unlimited cash back for Preferred Rewards members: Bank of America® Unlimited Cash Rewards credit card
Best features: This flat-rate card offers both versatility and value. You’ll earn unlimited 1.5% cash back on all eligible purchases and have a 0% intro APR on balance transfers made in the first 60 days and purchases for 15 billing cycles (then 14.74% – 24.74% variable APR).
Biggest drawbacks: Carry a balance beyond the introductory 15-billing-cycle period and you could wind up paying quite a bit in interest, especially if you fall under the higher APR range. Some may be better served by a card that offers a high rewards rate on bonus categories aligned with their spending habits.
Alternative: Unless you’re a Preferred Rewards member, you’ll get better value out of a card that offers a flat rate of 2% cash back on all purchases. Or, depending on your spending habits, a card like the Chase Freedom Unlimited may be more to your liking thanks to multiple categories that earn bonus rewards, followed by 1.5% cash back on all other purchases.
Bottom line: This unlimited flat-rate card has broad appeal, but anything less than 2% cash back on eligible purchases might be a disappointment to rewards seekers looking to capitalize on credit card perks.
Best for high rewards rate + introductory bonus: Discover it® Balance Transfer
Best features: Cardmembers can make use of its lengthy 18-month 0% intro APR for balance transfers, plus a six-month 0% intro APR on purchases (13.49% to 24.49% variable APR after that). But what really stands out here are the card’s high rewards rate and Unlimited Cashback Match (Discover will match all the cash back you’ve earned at the end of your first year).
Biggest drawbacks: The purchase APR period isn’t very long compared to what’s offered by similar cards, and some cardholders can find rotating rewards categories difficult to keep up with.
Alternative: If you don’t want to deal with enrolling in bonus categories that change quarterly, consider a credit card that offers fixed high rewards rates in bonus categories that match your spending. Or look for a simple, flat-rate credit card like the Citi® Double Cash Card, which will give you 2% cash back on all of your purchases (1% cash back when you buy, plus an additional 1% as you pay for those purchases).
Bottom line: Anyone looking for a balance transfer card they can stick with long after paying down the debt will find a lot to like about the Discover it® Balance Transfer, including a high rewards rate and excellent first-year bonus.
Zero-interest credit cards give you time to pay for new purchases or pay down existing credit card debt without having to worry about credit card interest for a set period of time. Once the introductory zero-interest period ends, the go-to interest rate will apply.
Of the offers featured on CreditCards.com, the average 0% intro APR for purchases is 13.3 months. Balance transfer offers with 0% intro APR average about 14 months but can go as high as 21 months.
Zero-interest cards usually require good or excellent credit. Keep in mind, you must still make your minimum monthly payments during the 0% intro APR period. Otherwise, the issuer will report a missed payment to the credit bureaus and the account will ultimately go into default. Plus, you’ll incur fees and, in most cases, lose access to the 0% introductory APR offer.
How do 0% intro APR credit cards work?
Zero-percent intro offers are usually reserved for new applicants with credit scores in the good-to-excellent range. That doesn’t mean you won’t find one if you are new to credit or have credit that is less than optimal. It just means your options are limited, and the perks may not be as good.
You’ll find 0% intro APR offers that can be for as low as six months or as high as 21 months. The longer the intro offer, the better because it gives you more time to make interest-free payments. But the best length of time will depend on you and how much time you need to pay back your debt.
Many intro APR credit cards are for both purchases and balance transfers. Some credit cards like the Blue Cash Everyday® Card from American Express may only have an introductory APR offer for purchases. Some, like the Citi® Double Cash Card may only be for balance transfers. And you’ll usually have to pay a fee for transferring a balance, typically 3% to 5% of the transfer amount.
No matter if you use your 0% intro APR for purchases or balance transfers, if you still have a balance when the intro APR period is over, the ongoing APR will apply to whatever the current balance is.
How much can you save with a 0% intro APR credit card?
A 0% intro APR credit card can save you hundreds of dollars and even more. But it depends on a number of factors, including how much you owe, your current APR, and how long it takes you to pay off your balance.
For an accurate picture, a credit card payoff calculator can show you how long it will take you to pay off your debt and how much interest you’ll pay each month. This can give you an idea of how much you can save with a 0% intro APR credit card.
For example, what if you could pay off a balance in full using a credit card with a 21-month APR offer? Here’s how much total interest you could potentially save with 21 months of interest-free payments compared to a credit card with average interest and one with high interest.
Balance
Interest paid over 21 months (0% APR)
Interest paid over 21 months (16.59% variable APR)
Interest paid over 21 months (25.74% variable APR)
$1,000
$0
$157
Min. payment: $56
$251
Min. payment: $60
$2,000
$0
$304
Min. payment: $115
$502
Min. payment: $120
$5,000
$0
$783
Min. payment: $280
$1,254
Min. payment: $300
As you can see, a credit card with a 0% intro APR offer can save you a lot of money. Keep in mind that if you do a balance transfer, most issuers charge a fee that will be added to total balance, which will cut into your total savings.
Pros and cons of 0% APR credit cards
Pros
You’ll save on interest if you pay your balance transfer or purchases down during the promotional APR period.
Zero percent introductory APR cards rarely charge an annual fee.
Paying off debt via a balance transfer on a 0% introductory APR credit card can improve your credit score in the long term by decreasing your credit utilization rate.
Cons
You could face a high interest rate once the promotional APR expires.
You’ll likely pay a fee for balance transfers.
Balance transfers or large purchases on a 0% intro APR card can ding your credit score in the short term by increasing your single-card credit utilization rate and generating a hard inquiry.
How to choose an introductory APR credit card
Who should get a 0% intro APR credit card?
The plan-ahead spender. Whether you want to finance home improvements or a dream vacation, a card with a lengthy 0% intro APR period can give you time to pay off your big purchase (typically 12 to 18 months) without incurring interest charges.
The balance reducer. If you are carrying high-interest credit card debt, you can transfer it to a credit card offering a 0% introductory APR on balance transfers. This gives you a window to make progress on reducing the debt itself, but be mindful of potential balance transfer fees.
The emergency spender. From car and home repairs to medical bills and lost wages – unplanned expenses and financial emergencies happen. If you don’t have enough money set aside in an emergency fund, a credit card with a 0% intro APR offer may be the last-resort option that can help get you through difficult times.
Who should skip a 0% intro APR credit card?
The rewards seeker. While some 0% intro APR credit cards do offer rewards, you can usually find more lucrative programs attached to traditional or premium rewards credit cards.
The payment procrastinator. The 0% interest only lasts for the duration of the introductory period, and once it ends, the card will revert to its regular APR, which may not be low (based on your creditworthiness). If you tend to carry a balance month to month, a low interest credit card could be a better option.
The heavy-debt consolidator. There are limits to how much debt you can transfer over to a credit card with a 0% intro APR offer. And if you can’t pay off that debt before the introductory period ends, your balance could get hit with high interest charges. If you’re carrying a heavy debt on multiple credit cards, a personal loan may be a better debt consolidation method for you.
How to make the most of your zero-interest intro APR
Transfer existing, high-interest debt. Chipping away at credit card debt is a good thing, but it’s even better to do so without paying interest charges. For example, say you’re currently carrying a $2,000 balance on a credit card with a 16% APR and you’re making $60 monthly payments. You can expect to pay that balance off in 45 months and pay $662.73 in total interest. If you transfer your balance to, say, the BankAmericard® credit card, you could expect to pay that balance off in 37 months and pay $212.51 in interest. Why? Because this card offers a 0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days (13.74% – 23.74% variable APR thereafter) at 3% fee (min. $10). That means you can pay the balance back 8 months sooner and save $450.22 in interest.
Plan large purchases ahead of time. Do you have a home improvement project on the horizon? What about a car repair or vacation? If you have a large purchase planned, taking advantage of a 0% intro purchase APR offer can reduce some of the financial strain.
Make sure your balance is as close to zero as possible when the intro period ends. Any balance that you still owe at the end of your 0% intro period will be subject to interest charges, even if you made the purchases before the intro period ended. For instance, let’s say you charged $5,000 to a zero-interest credit card, but are only able to pay off $2,000 before the 0% introductory offer expires. If that card then carries a 22% APR and you start making $500 monthly payments, it’ll take you another seven months to pay off the balance and you’ll pay $208.34 in interest.
Spending limit recommendations. When using a credit card, keep your spending limit well below the card’s total credit limit. Your credit utilization rate is the amount of credit you’re currently using compared to your total available credit. This rate is reported to the major credit bureaus and can impact your credit score and credit report. If you have a 0% intro APR credit card with a $5,000 credit limit and you max it out, your credit utilization rate is 100%, which isn’t good. This suggests to lenders you don’t have a handle on your spending and are a risky borrower who may be unable to pay back your debt. That’s why you should keep your credit utilization rate below 30%. Looking to learn what your credit utilization ratio is? Use our credit utilization calculator.
How we picked the best 0% intro APR credit cards
Research methodology: We analyzed over 1,000 zero interest intro APR credit cards to identify some of the best offers on the market. The major factors we considered were:
0% intro APR period for purchases: Does the card allow you to skip interest charges on purchases for a set period of time? If so, how long does the offer last?
0% intro APR period for balance transfers: Does the card allow you to skip interest charges on a balance transfer for a set period of time? If so, how long does the offer last?
Regular APRs: After the introductory period expires, are the purchase APRs or balance transfer APRs reasonable, relative to the current industry average?
Balance transfer fee: Do you have to pay a fee to transfer a balance onto the new card to take advantage of the zero-interest offer? If so, is the fee reasonable relative to the industry standard?
Overall card value: Does the card offer benefits once the introductory 0% APR offer ends? For no-frills cards, we considered whether continued use would cost cardholders an annual fee.
Other criteria used include other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application and security features.
Additional information on 0% APR credit cards
For more information on all things 0% APR cards, continue reading content from our credit card experts:
Generally, 0% intro APR offers require a credit score in the good (670 to 739) or excellent (740 to 850) range. There are some intro APR cards that accept lesser credit and even no credit history, but their offers are typically not as rich.
If you have your eye on a 0% intro APR card, but you don’t think you have the credit for it, there are steps you can take to build your credit. You’ll need to pay your bills on time each month because your payment history is the biggest factor that goes into your credit score. You’ll also need to pay down some of your debt, which will improve your credit utilization, the second most important aspect of your credit score.
Once you get your FICO score to 670 (the tipping point for good credit), you’re ready to find the right card for you. Our CardMatch tool can help direct you to credit card offers that best align with your credit profile. Make sure you don’t apply for multiple cards at once because each card you apply for temporarily knocks your score down a few points.
This depends on the cardholder and their habits. For those looking to pay off big purchases or emergency expenses, a 0 percent intro APR card is a good fit. It allows for steady payments over time without worrying about additional interest. It’s also useful for balance transfers, making it quicker to lower debts and raise a cardholder’s credit score.
However, if there’s a balance on the card after the introductory period ends, the cardholder will be charged the full interest rate on whatever is left. Therefore, this card may not be the best long-term card for those who tend to keep balances on their card from month to month. There’s also a possibility of the introductory period ending early if you make a late monthly payment.
Both can impact your credit score so make sure you know when your introductory period ends. You can also set up automatic payments, if you’re worried about forgetting.
Once your 0% introductory period is over, you’ll be charged interest on any balance that remains on your credit card. That interest will continue to accrue until you’re able to pay your balance off in full. Our payoff calculator can help you see how long it will take you to pay off your credit card debt and how much you’ll pay in interest.
If you can’t pay your balance off quickly, you have some options:
You might be able to qualify for a new credit card that comes with a lower interest rate or a 0% intro offer on balance transfers. This could save you a lot of money in interest charges. But depending on how large your balance is and your new credit limit, you may not be able to transfer over all your debt. You’ll also likely have to pay a balance transfer fee, and your credit score will take a hit in the short term.
You may be able to lower your credit card interest rate. This involves calling your card issuer and negotiating with them. If you have good credit and have been a long-time customer, credit card companies may be willing to give you a lower rate – especially if you show them competing credit card offers with lower interest rates.
Depending on your situation, you may qualify for a credit card hardship program. These programs may temporarily lower or eliminate your interest charges, giving you time to pay off your credit card debt. But this is only a temporary solution that typically lasts 12 months or less, and during that time, your account could be frozen.
With A 0% intro APR credit card, you won’t pay interest charges for a limited time, anywhere from 6 to 21 months. When the intro period ends, you are charged the card’s go-to rate for the remaining balance and future purchases, which is typically the regular variable APR.
A low interest credit card is usually a card with a rate that is below the national average, which is currently about 16%. Because most credit cards in the U.S. offer a variable rate that is tied in part to your credit score, you could still be granted a rate above the national average, even if your bank offers a variable rate that falls below that average. For example your card’s rate may be 10.99% to 23.99% variable APR, but you might get a rate of 18%.
About the Author
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Editor
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Reviewer
Sally Herigstad
Sally Herigstad is a certified public accountant, author and speaker who writes about personal finance for CreditCards.com. She also writes regularly for MSN Money, Interest.com, Bankrate and RedPlum.com, and has been a guest on Martha Stewart radio and other programs.
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