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Finder’s credit card experts spend nearly 200 hours each week evaluating 0% APR credit cards. We’ve listed the top 0% intro APR credit cards across nine categories based on several factors, including: intro period length, balance transfer fees, rewards options, and similar features that can extend the value of an intro APR card past its promotional period. Finder’s experts provide unbiased, trustworthy evaluations of all 0% APR credit cards and providers, not just those we partner with on the site.
With a higher-than-average rewards rate on groceries, gas and department stores, this is a card worth adding to your wallet for the rewards alone. However, it also comes with one of the longest interest-free periods on purchases available, letting you make purchases and pay them off interest-free over 15 months. On the other hand, the higher earning Blue Cash Preferred only offers a 12-month intro period.
Pros
Intro APR period on purchases. Get a 0% intro APR period for 15 months following your account opening. After that, your rate reverts to 15.49% to 25.49% variable.
Earn cash back. Earn 3% cash back on US supermarkets, up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on other eligible purchases.
Welcome offer. Get bonus after you spend $2,000 on purchases in the first 6 months following your account opening.
Cons
No balance transfer option. Amex removed the balance transfer offer for this card in June 2020.
Cap on US supermarket rewards. Your accelerated rate at US supermarkets only lasts until you spend $6,000 each year.
Foreign transaction fees. You'll pay a 2.7% fee on purchases made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.49% to 25.49% variable)
Balance transfer APR
N/A
Welcome Offer
Earn a $200 statement credit after spending $2,000 in the first 6 months
Rewards
3% cash back
Pros
Intro APR period on purchases. Get a 0% intro APR period for 15 months following your account opening. After that, your rate reverts to 15.49% to 25.49% variable.
Earn cash back. Earn 3% cash back on US supermarkets, up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on other eligible purchases.
Welcome offer. Get bonus after you spend $2,000 on purchases in the first 6 months following your account opening.
Cons
No balance transfer option. Amex removed the balance transfer offer for this card in June 2020.
Cap on US supermarket rewards. Your accelerated rate at US supermarkets only lasts until you spend $6,000 each year.
Foreign transaction fees. You'll pay a 2.7% fee on purchases made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.49% to 25.49% variable)
Balance transfer APR
N/A
Welcome Offer
Earn a $200 statement credit after spending $2,000 in the first 6 months
The Chase Freedom Unlimited® is no longer just your average 1.5% cashback card, as it also earns big rewards on several categories, including 5% back on travel booked through Chase and 3% back on drugstores and dining. Pair it with a Chase Sapphire card and even your base 1.5% cash back becomes either 1.87% or 2.25% for travel redemption. The intro 0% APR on purchases and balance transfers for 15 months is the cherry on top.
Pros
Earn cash back. Earn 5% cash back on Chase Travel Portal purchases, 3% back on dining, including takeout and delivery, and 3% back on drugstore purchases. On everything else, earn 1.5% back.
Signup bonus. Earn an additional 1.5% back on all purchases on up to $20,000 spent total in your first year. This is a $300 value.
Intro APR on purchases. Enjoy 15 months of 0% intro APR period on purchases and balance transfers. After that, a variable APR of 15.74% to 24.49% applies.
Point transfer value. Pair this card with one of the Sapphire cards and you get either 25% or 50% higher redemption value for travel purchases at the Chase Ultimate Rewards program.
Cons
Foreign transaction fee. All purchases made abroad or online with foreign merchants cost 3% of the amount.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Welcome 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
Earn cash back. Earn 5% cash back on Chase Travel Portal purchases, 3% back on dining, including takeout and delivery, and 3% back on drugstore purchases. On everything else, earn 1.5% back.
Signup bonus. Earn an additional 1.5% back on all purchases on up to $20,000 spent total in your first year. This is a $300 value.
Intro APR on purchases. Enjoy 15 months of 0% intro APR period on purchases and balance transfers. After that, a variable APR of 15.74% to 24.49% applies.
Point transfer value. Pair this card with one of the Sapphire cards and you get either 25% or 50% higher redemption value for travel purchases at the Chase Ultimate Rewards program.
Cons
Foreign transaction fee. All purchases made abroad or online with foreign merchants cost 3% of the amount.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Welcome 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
Competitor cards offer 5% back on rotating categories only. The Freedom Flex, however, lets you earn back on rotating categories as well as a high cashback rate on the same categories recently added to the Chase Freedom Unlimited: 5% back on travel booked through Chase and 3% back on dining and drugstores. If offers the same 15 months of 0% intro APR on purchases and balance transfers as the Chase Freedom Unlimited, meaning you can choose the one that best suits your spending preferences — or both if you want to build the Chase Trifecta.
Pros
Cash back. Earn 5% cash back in select rotating categories on up to $1,500 each quarter you activate, then 1%. You'll also earn 5% back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1% back on all other purchases.
Signup bonus. Earn $200 cash back after you make $500 in purchases within the first 3 months of account opening.
Intro APR. Get a 0% intro APR on purchases and balance transfers for the first 15 months from account opening, then 15.74% to 24.49% variable.
Cons
You'll need to keep track of rotating categories. You won't get the 5% cashback rate on the same categories each quarter. Also, you'll need to activate your cashback categories, or you won't receive the bonus rate.
Categories not always known. Often, Chase won't reveal the whole year's rotating categories until they're close to launching.
Foreign transaction fees. You'll pay a 3% fee on transactions made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Cash back. Earn 5% cash back in select rotating categories on up to $1,500 each quarter you activate, then 1%. You'll also earn 5% back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1% back on all other purchases.
Signup bonus. Earn $200 cash back after you make $500 in purchases within the first 3 months of account opening.
Intro APR. Get a 0% intro APR on purchases and balance transfers for the first 15 months from account opening, then 15.74% to 24.49% variable.
Cons
You'll need to keep track of rotating categories. You won't get the 5% cashback rate on the same categories each quarter. Also, you'll need to activate your cashback categories, or you won't receive the bonus rate.
Categories not always known. Often, Chase won't reveal the whole year's rotating categories until they're close to launching.
Foreign transaction fees. You'll pay a 3% fee on transactions made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 15.74% to 24.49% variable)
If you want to squeeze the most out of your 0% intro balance transfer APR period, try the Citi® Diamond Preferred® Card. It traditionally holds the title of longest intro period for balance transfers. 21 months is one of the longest on the market and while the intro APR on purchases isn't nearly as impressive, it's still a helpful tool to have in your financial arsenal. Citi's status as a trusted credit card provider also helps keep this card in the limelight.
Pros
Intro APR for purchases and balance transfers. Get a 0% intro APR on balance transfers for an impressive 21 months after account opening, then 15.24% to 25.24% variable after that. You'll also get a 0% intro APR on purchases for 12 months following your account opening. After the intro period passes, your rate reverts to an APR between 15.24% to 25.24% variable.
No annual fee. You won't pay an annual fee to use this card.
Longer than average period to transfer balance. You have 4 months from account opening to transfer your balance and receive the intro offer.
Cons
No rewards. The card is excellent for saving money on interest, but you won't earn any rewards on your purchases.
No signup bonus. There's no bonus to earn upon signup.
Balance transfer fees. This card doesn't offer an intro period for balance transfer fees.
Annual fee
$0
Purchase APR
0% intro for the first 12 months (then 15.24% to 25.24% variable)
Balance transfer APR
0% intro for the first 21 months (then 15.24% to 25.24% variable)
Welcome Offer
N/A
Rewards
None
Pros
Intro APR for purchases and balance transfers. Get a 0% intro APR on balance transfers for an impressive 21 months after account opening, then 15.24% to 25.24% variable after that. You'll also get a 0% intro APR on purchases for 12 months following your account opening. After the intro period passes, your rate reverts to an APR between 15.24% to 25.24% variable.
No annual fee. You won't pay an annual fee to use this card.
Longer than average period to transfer balance. You have 4 months from account opening to transfer your balance and receive the intro offer.
Cons
No rewards. The card is excellent for saving money on interest, but you won't earn any rewards on your purchases.
No signup bonus. There's no bonus to earn upon signup.
Balance transfer fees. This card doesn't offer an intro period for balance transfer fees.
Annual fee
$0
Purchase APR
0% intro for the first 12 months (then 15.24% to 25.24% variable)
Balance transfer APR
0% intro for the first 21 months (then 15.24% to 25.24% variable)
The U.S. Bank Visa® Platinum Card offers the longest 0% intro period length for both purchases and balance transfers, besting even the Citi Diamond Preferred. If you meet the card's APR extension requirements, you're looking at an unbeatable of 0% APR of 24 billing cycles on purchases and 0% APR of 24 billing cycles on balance transfer. The card's cell phone protection and road side assistance simply affirm this card's value.
Pros
Intro APR period. Make purchases and balance transfers at a 0% intro APR for your first 24 billing cycles of card membership. After the intro period expires, your rate reverts to variable 15.99% to 25.99%%.
Cell phone protection. Pay your cell phone bill with your card and get coverage for your phone against damage or theft up to $600, with a $25 deductible.
No annual fee. You won't pay an annual fee for the life of the card.
Cons
No signup bonus. Most credit cards offer a signup bonus after you meet certain criteria. Unfortunately, this card doesn’t have one.
Balance transfer limits. Make sure you transfer your balances within 60 days of card membership. Otherwise, you won’t get the intro APR period on balance transfers.
Potentially high APR. If you have a weak credit history, you may be given an interest rate up to 25.99% variable. That’s high, considering the average APR is around 16%.
Annual fee
$0
Purchase APR
0% intro for the first 24 billing cycles (then 15.99% to 25.99% variable)
Balance transfer APR
0% intro for the first 24 billing cycles (then 15.99% to 25.99% variable)
Welcome Offer
N/A
Rewards
None
Pros
Intro APR period. Make purchases and balance transfers at a 0% intro APR for your first 24 billing cycles of card membership. After the intro period expires, your rate reverts to variable 15.99% to 25.99%%.
Cell phone protection. Pay your cell phone bill with your card and get coverage for your phone against damage or theft up to $600, with a $25 deductible.
No annual fee. You won't pay an annual fee for the life of the card.
Cons
No signup bonus. Most credit cards offer a signup bonus after you meet certain criteria. Unfortunately, this card doesn’t have one.
Balance transfer limits. Make sure you transfer your balances within 60 days of card membership. Otherwise, you won’t get the intro APR period on balance transfers.
Potentially high APR. If you have a weak credit history, you may be given an interest rate up to 25.99% variable. That’s high, considering the average APR is around 16%.
Annual fee
$0
Purchase APR
0% intro for the first 24 billing cycles (then 15.99% to 25.99% variable)
Balance transfer APR
0% intro for the first 24 billing cycles (then 15.99% to 25.99% variable)
The Wells Fargo Reflect Card offers the longest 0% intro period length for both purchases and balance transfers, besting even the Citi Diamond Preferred. If you meet the card's APR extension requirements, you're looking at an unbeatable of 0% APR of 18 months on purchases and 0% APR of 18 months on balance transfer. The card's cell phone protection and road side assistance simply affirm this card's value.
Pros
Intro APR. Get a 0% intro APR on purchases and balance transfers for the first 18 months, then 14.49% to 26.49% variable. The closest competitor card offers 18 months of 0% intro APR period. Two months may not seem like much, but if you're paying off a larger balance, it could make a difference.
No annual fee. You won't pay an annual fee for the life of the card.
No penalty APR. If you miss a payment, U.S. Bank won't impose a penalty APR. Other cards often impose a penalty APR of up to 32% and may cancel any 0% intro APR offers. That's one less thing to worry about with this card, however.
Cons
No rewards program. You get a long intro APR period, but you don't get to earn any rewards.
Foreign transaction fees. Transactions made abroad or online with foreign merchants will cost you 3% of the amount.
Annual fee
$0
Purchase APR
0% intro for the first 18 months (then 14.49% to 26.49% variable)
Balance transfer APR
0% intro for the first 18 months (then 14.49% to 26.49% variable)
Rewards
x n/a
Pros
Intro APR. Get a 0% intro APR on purchases and balance transfers for the first 18 months, then 14.49% to 26.49% variable. The closest competitor card offers 18 months of 0% intro APR period. Two months may not seem like much, but if you're paying off a larger balance, it could make a difference.
No annual fee. You won't pay an annual fee for the life of the card.
No penalty APR. If you miss a payment, U.S. Bank won't impose a penalty APR. Other cards often impose a penalty APR of up to 32% and may cancel any 0% intro APR offers. That's one less thing to worry about with this card, however.
Cons
No rewards program. You get a long intro APR period, but you don't get to earn any rewards.
Foreign transaction fees. Transactions made abroad or online with foreign merchants will cost you 3% of the amount.
Annual fee
$0
Purchase APR
0% intro for the first 18 months (then 14.49% to 26.49% variable)
Balance transfer APR
0% intro for the first 18 months (then 14.49% to 26.49% variable)
Through 2020, most card providers removed 0% balance transfer offers or completely removed the option to make balance transfers on their existing rewards cards. The Wells Fargo Cash Wise Visa® Card is one of the last remaining cashback cards that offers a long 0% intro APR period on both purchases and balance transfers. This makes the card an excellent value long after you've exhausted the intro APR offer.
Pros
Intro APR period. Get a 0% intro APR on purchases and balance transfers for 15 months after account opening, then 14.49% to 24.99% variable.
Cash back. Earn unlimited 1.5% cash back on all purchases.
Signup bonus. Earn a $150 cash rewards bonus after you make $500 in purchases within the first 3 months after account opening.
Cons
Foreign transaction fees. You will incur a 3% fee on every transaction converted to US dollars.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 14.49% to 24.99% variable)
Balance transfer APR
0% intro for the first 15 months (then 14.49% to 24.99% variable)
Welcome Offer
$150 after spending $500 in the first 3 months
Rewards
1.5% cash back
Pros
Intro APR period. Get a 0% intro APR on purchases and balance transfers for 15 months after account opening, then 14.49% to 24.99% variable.
Cash back. Earn unlimited 1.5% cash back on all purchases.
Signup bonus. Earn a $150 cash rewards bonus after you make $500 in purchases within the first 3 months after account opening.
Cons
Foreign transaction fees. You will incur a 3% fee on every transaction converted to US dollars.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 14.49% to 24.99% variable)
Balance transfer APR
0% intro for the first 15 months (then 14.49% to 24.99% variable)
If you're looking save on interest on purchases or balance transfers and then turn that card into ongoing travel value, the Capital One VentureOne Rewards Credit Card is a strong choice. Most higher performing travel cards lack a 0% intro APR, so this serves as one of the best choices available for now.
Pros
Intro APR period. Get a 0% intro APR on purchases and balance transfers for 15 months after account opening, then 16.49% to 26.49% variable.
Cash back. Earn unlimited 1.25% cash back on all purchases.
Signup bonus. Earn a cash rewards bonus after you make $500 in purchases within the first 3 months after account opening.
Cons
Foreign transaction fees. You will incur a 0% fee on every transaction converted to US dollars.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Welcome Offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Rewards
1.25x miles
Pros
Intro APR period. Get a 0% intro APR on purchases and balance transfers for 15 months after account opening, then 16.49% to 26.49% variable.
Cash back. Earn unlimited 1.25% cash back on all purchases.
Signup bonus. Earn a cash rewards bonus after you make $500 in purchases within the first 3 months after account opening.
Cons
Foreign transaction fees. You will incur a 0% fee on every transaction converted to US dollars.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Welcome Offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
For 2022, our existing choices from 2020 remained strong into this year. However, two new cards joined the list: both Chase Freedom cards. With their revamped rewards structure and a 0% intro APR period on purchases, they won their spots on our list, easily.
Between purchase and balance transfer intro offers, there are dozens of 0% intro APR credit cards to choose from. If none of our top picks suit your needs, compare even more intro APR credit cards for more options.
The first order of business when choosing a 0% APR credit card is determining whether you need an intro APR on balance transfers, purchases or both. From there, you’ll want to consider a few financial factors to pick out the best card for you.
Look at your interest-saving needs. You have two primary choices for a 0% APR card — a balance transfer offer or an intro APR on purchases, and some credit cards feature both offers. Which you need will ultimately determine what cards are available for you to choose.
Consider the length of the intro period you’ll need. Whether it’s for purchases or balance transfers, you’ll find intro lengths ranging from six months to 20 months. Cards are locked into their advertised intro periods, so the length you need is an important part of picking the best option for you.
Review the card’s revert APR. If you plan on carrying a balance, pay attention to the card’s revert APR after the intro period is over. This is also important to consider if you can’t pay off your balance transfer before the intro period ends, as your remaining debt will build interest based on this revert rate.
Think about your long-term plans for the card. If you want to use your card well past the intro APR period, look for a card with rewards or benefits that can bring you value after the intro period ends.
Pros and cons of a 0% APR credit card
Pros
Save on interest. Both types of 0% APR credit cards let you save on interest you would otherwise accrue if you paid your balance off over time.
Long intro periods. The average intro APR is 12 months and they can go up to 20 months max as of April 2021.
Possible rewards. Some 0% intro APR credit cards offer rewards, which can extend the value you’ll find with these cards.
Cons
Good credit required. Most 0% APR credit cards require at least a good credit score for qualification.
Limited by credit limit. The maximum debt you can transfer is limited by your card’s credit limit.
Revert APR risky. Remember that an unpaid balance will start accruing interest at the end of your intro period. If you weren’t able to pay down enough of your balance, you could end up in a poor financial situation as the interest on your original balance climbs.
When is a 0% APR credit card worth it?
A 0% APR credit card is worth it whenever you want to pay off existing debt interest free or make large purchases and pay it off over time with no interest. Here’s a quick cheat sheet on whether you should pick one up.
You should get a 0% APR credit card if you…
Have existing debt that can fit on a balance transfer card.
Want to make several large purchases but can’t immediately pay for it in full and don’t wish to accrue interest.
Are confident you can pay off your card before the end of the intro period.
You shouldn’t get a 0% APR credit card if you…
Have poor credit and can’t qualify for a card with good terms.
Have debt too large to fit onto a balance transfer card.
Can’t pay off your balance before the end of the intro period.
Here’s how to choose between a balance transfer or purchase intro APR card
You have three options when it comes to choosing an intro APR card: a balance transfer APR, a purchase APR, or both. Assess your financial circumstances to choose the best one for your needs.
Balance transfer card. You have existing debt you want to save interest on and you’re not especially concerned about using your credit card after paying it off.
Purchase APR card. You need to make a few large purchases and carry them as a balance, and you can also pay off your purchase within the allotted time frame to avoid interest.
Intro APR on both. It’s difficult to take advantage of both intro APR periods since you should avoid making new purchases on a balance transfer card. However, you can take advantage of both offers on such a card if you can pay off your balance transfer within a reasonable time frame. You can use any time left over on the card’s intro period take take advantage of interest-free purchases for the remainder of the time frame. And you’re welcome to use any one of the offers on the card.
You asked, we listened: Top 0% APR credit card questions
Do I still need to make payments during my 0% intro APR period? Yes. One of the biggest misconceptions about a 0% intro APR period is that you don’t have to make payments. You’ll need to make at least the minimum payment each month to avoid late fees and potentially losing your promotional interest rate.
If I make a purchase during the 0% intro balance transfer period, what interest am I charged? You’ll be charged the card’s standard interest rate on purchases made on a balance transfer card. It’s best to pay off any transferred debts before you start spending on your balance transfer card to keep yourself from accidentally incurring interest on your card.
Does getting a 0% APR credit card hurt my credit score? Getting a new credit card in general — not necessarily a 0% APR card — could lower your credit score by a few points. That’s because your provider will perform a hard pull on your credit report.
Why is it important to check the balance transfer fee before making a transfer? This fee can add a significant cost you might not expect. The provider usually charges 3% to 5% of the transfer amount. So, if you’re transferring $5,000, you could pay a fee of $150 to $250.
Are 0% APR credit cards always available? No. Providers occasionally add, remove or change 0% APR offers as they see fit. For example, many providers dropped 0% APR balance transfer offers from their cards during 2020.
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Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.
Signup bonuses are offered to attract the consumers to apply for a credit card. Learn more about sign-up bonuses, find out what’s on offer and learn how to apply in our hand guide.
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