Best 0% APR Credit Cards of July 2022

The best 0% intro APR credit cards compared

Editor’s picks: Zero-interest credit card details

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.

Related: Wells Fargo Reflect benefits

Read our Wells Fargo Reflect℠ Card review or jump back to this card’s offer details.

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.

Related: Is the BankAmericard credit card worth it?

Read our full BankAmericard credit card review or jump back to this card’s offer details.

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.

Related: Is the Citi Custom Cash Card worth it?

Read our Citi Custom Cash Card review or jump back to this card’s offer details.

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.

Read our U.S. Bank Visa® Platinum Card review or jump back to this card’s offer details.

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.

Related: What credit score is needed for the Chase Freedom Unlimited card?

Read our full Chase Freedom Unlimited review or jump back to this card’s offer details.

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.

Related: Blue Cash Everyday Card from Amex rewards and benefits guide

Read our full Blue Cash Everyday Card from American Express review or jump back to this card’s offer details.

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.

Related: Discover it Cash Back rewards and benefits guide

Read our full Discover it Cash Back review or jump back to this card’s offer details.

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.

Related: Is the Citi Diamond Preferred Card worth it?

Read our full Citi Diamond Preferred Card review or jump back to this card’s offer details.

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.

Read our Wells Fargo Active Cash® Card review or jump back to this card’s offer details.

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.

Read our Capital One SavorOne Cash Rewards Credit Card review or jump back to this card’s offer details.

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.

Related: Is the Capital One Quicksilver Cash Rewards card worth it?

Read our full Capital One Quicksilver Cash Rewards Credit Card review or jump back to this card’s offer details.

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.

Read our U.S. Bank Cash+® Visa Signature® Card review or jump back to this card’s offer details.

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.
• Alternative: If your spending aligns with the Capital One SavorOne Cash Rewards Credit Card, it will give you more food-and-entertainment categories to earn 3% cash back in.
• 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.

Related: Bank of America Customized Cash Rewards benefits guide

Read our full Bank of America Cash Rewards credit card review or jump back to this card’s offer details.

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.

Related: Citi Simplicity vs. Discover it Balance Transfer

Read our full Citi Simplicity® Card review or jump back to this card’s offer details.

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.

Read our full Bank of America® Unlimited Cash Rewards credit card review or jump back to this card’s offer details.

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.

Read our full Discover it® Balance Transfer review or jump back to this card’s offer details.

What is a zero-interest credit card?

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.

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

How to choose an introductory APR credit card

For more help finding a card that suits your needs, check out our guide on how to choose a 0% intro APR credit card.

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:

• Average credit cards interest rates
• What is deferred interest?
• What is an intro APR and how does it work?
• What is a good APR for a credit card?

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.