Compare 0% APR Credit Cards

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Best credit cards with 0% intro APR

Compare your options with this list of stellar cards.

Best for 0% intro APR on purchases and balance transfers

U.S. Bank Visa® Platinum Card

Credit recommended (740-850) Read review Rates & fees

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740
Min. credit score

$0
Annual fee

n/a
Rewards

n/a
Welcome offer

• Info
• Pros & cons
• Details

The U.S. Bank Visa® Platinum Card comes with an excellent 0% intro APR for 20 months on both balance transfers and purchases, then 13.99% to 23.99% variable.

• Intro APR. Get a 0% intro APR on purchases and balance transfers for the first 20 months, then 13.99% to 23.99% variable.
• No annual fee. Unfortunately, there are foreign transaction fees.

Annual Fee	$0
Purchase APR	0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR	0% intro for the first 20 months (then 13.99% to 23.99% variable)
Welcome offer	N/A
Rewards	N/A

Best 0% APR cashback rewards card:

Wells Fargo Cash Wise Visa® Card

Credit recommended (670-739) Read review

670
Min. credit score

$0
Annual fee

0% intro
Transfer APR

Up to 1.5%
Cash back

• Info
• Pros & cons
• Details

The Wells Fargo Cash Wise Visa® Card is one of the few no-annual-fee 1.5% cashback products that still offer intro APRs on both purchases and balance transfers. Many competitors now offer promotional interest rates on only one balance type.

• Intro APR period. Get a 0% intro APR on purchases and balance transfers for 15 months after account opening, then 13.99% to 25.99% 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.

• Foreign transaction fees. You&rsquo
• ll incur a 3% fee on every transaction converted to US dollars.

Annual fee	$0
Purchase APR	0% intro for the first 15 months (then 13.99% to 25.99% variable)
Balance transfer APR	0% intro for the first 15 months (then 13.99% to 25.99% variable)
Balance transfer fee	Intro fee of $5 or 3% of the transaction, whichever is greater for the first 120 days (then $5 or 5%)
Rewards	1.5% cash back on all purchases

Best 0% APR travel credit card

Wells Fargo Propel American Express® Card

Credit recommended (670-850) Read review

670
Min. credit score

$0
Annual fee

0% intro
Transfer APR

Up to 3x
Points

• Info
• Pros & cons
• Details

The Wells Fargo Propel American Express® Card offers an excellent accelerated rewards rate on flights, hotels, homestays, car rentals and other categories. You'll also like the strong welcome offer and solid intro APR on purchases and balance transfers.

• Intro APR period. Get 0% intro APR period on purchases and balance transfers for 12 months following your account opening, and 13.99% to 25.99% variable after that.
• Reward points. Earn 3x points on eating out, ordering in, gas, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services. Earn 1x points on all other eligible purchases.
• Welcome offer. Earn 20,000 bonus points when you make $1,000 in purchases in the first 3 months of card membership.

• Balance transfer limitations. To use the intro APR period, request your balance transfer within the first 120 days when you open your account.
• Limited eligibility for bonus offers and intro APR. You aren't eligible to earn the signup bonus or use the 0% intro APR period if you had opened a Wells Fargo credit card in the past 15 months.

Annual fee	$0
Purchase APR	0% intro for the first 12 months (then 13.99% to 25.99% variable)
Balance transfer APR	0% intro for the first 12 months (then 13.99% to 25.99% variable)
Balance transfer fee	Intro fee of $5 or 3% of the transaction, whichever is greater for the first 120 days (then $5 or 5%)
Rewards	3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best 0% APR card with no balance transfer fee

SunTrust Prime Rewards

Credit recommended (670-850) Read review

670
Min. credit score

$0
Annual fee

4.75% intro
Transfer APR

Up to 1%
Cash back

• Info
• Pros & cons
• Details

The SunTrust Prime Rewards is a worthy alternative to 0% balance transfer intro APR cards that have been disappearing from the market as of late. On the downside, it doesn't have a 0% intro APR. However, its promotional rate is very low, and you'll get this rate for a very long time. The card is also one of the few that still offer promotional balance transfer fees.

• Intro APR. Get a 4.75% intro APR for the first 36 months after account opening on balances transferred within the first 36 months. After that, your APR reverts to 12.74% to 22.74% variable.
• Intro balance transfer fee. Within the first 60 days of account opening, pay $0 fees on balance transfers. After this, the fee is $10 or 3% of the transaction amount, whichever is greater.
• Rewards and signup bonus. Earn 1% cash back on all qualifying purchases. Earn a $100 statement credit after you make $500 in qualifying purchases within the first 3 months of account opening.

• No 0% intro APR. A 4.75% variable intro APR is very low, but you can find other cards with 0% intro APRs.
• So-so rewards. A 1% rewards rate is standard, but nothing special.

Annual fee	$0
Purchase APR	12.74% to 22.74% variable
Balance transfer APR	4.75% intro for the first 36 months (then 12.74% to 22.74% variable)
Balance transfer fee	No balance transfer fees for the first 60 days (then $10 or 3%)
Rewards	1% cash back on all purchases

Compare 0% intro APR cards

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Name	Product	Purchase APR	Balance transfer APR	Annual fee	Filter values
Citi® Diamond Preferred® Card		0% intro for the first 18 months (then 14.74% to 24.74% variable)	0% intro for the first 18 months (then 14.74% to 24.74% variable)	$0		Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		13.99% to 23.99% variable	0% intro for the first 18 months (then 13.99% to 23.99% variable)	$0		This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.	Apply now View details	Compare	loading Fetching your data...
Citi Rewards+℠ Card		0% intro for the first 15 months (then 13.49% to 23.49% variable)	0% intro for the first 15 months (then 13.49% to 23.49% variable)	$0		Earn rewards and enjoy a long intro APR period on purchases and balance transfers.	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See issuer's website	See issuer's website	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
TD Cash Credit Card		0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)	0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)	$0		3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
Amalgamated Bank of Chicago Platinum Rewards Mastercard®		0% intro for the first 12 months (then 12.9% to 22.9% variable)	12.9% to 22.9% variable	$0		Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days	Apply now View details	Compare	loading Fetching your data...
OpenSky® Secured Visa® Credit Card		17.39% variable	N/A	$35		Apply for this card with no credit check if you're new to credit or have bad credit.	Apply now View details	Compare	loading Fetching your data...

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How does 0% APR work?

A 0% APR credit card offers no interest on certain balances for a period of time. This can apply to purchases, balance transfers or both. Of course, the 0% intro APR doesn’t last forever: After it expires, your remaining balance will accrue interest at a higher, standard APR.

If you make a large purchase, or if you move credit card debt to a card with 0% APR, you can pay off your balance without interest. The 0% APR period isn’t unlimited; It often lasts between 6 and 21 months, depending on the card.

Once you start using the intro APR period, make sure to make at least the minimum payment by the due date. Otherwise, some card providers may cancel your 0% intro APR period and impose a penalty APR. The good news is once the intro APR period expires, you won’t be charged interest retroactively to the balance you have paid off. But any unpaid balance will start to accrue interest.

Types of 0% APR credit cards and when you should use them

When you evaluate a 0% APR card, check if the special interest rate applies to purchases, balance transfers or both.

How to compare 0% APR cards

Before you pull the trigger and apply for a 0% APR credit card, here’s what to keep in mind:

How much can I save on interest with a 0% APR card?

Many people don’t realize how much money they spend on credit card interest. The following table shows the interest you can save on a $2,500 balance with a 0% APR product.

Interest-free credit card offers by provider

Amazon 0% intro APR offers

Amazon offers 0% deferred interest on its store cards and 0% special financing on its business credit cards.

The deferred interest on the Amazon store cards is a strong feature where you can defer interest on select purchases. But you must pay your full balance before the deferred interest period is up and the revert interest rates are often way higher than the average credit card interest rates.

American Express 0% intro APR offers

At the time of this writing, Amex has removed balance transfer intro APRs from its in-house cards, though a few cards still have purchase intro APRs. Depending on the card you choose, the intro period can be 12 months or 15 months.

After the intro period expires, any unpaid balances will start to accrue a variable interest rate depending on your creditworthiness.

Wells Fargo 0% intro APR offers

There are several Wells Fargo 0% balance transfer cards to choose from. Depending on the card, you can get an intro APR period between 12 and 18 months, shorter for the student credit card. Most of these cards also offer 0% intro APR period on purchases with the same length.

Once the intro period ends, your rate reverts to a variable APR. Of course, the revert rate depends on the card you choose and your creditworthiness among other factors.

Bank of America 0% intro APR offers

Similar to other large card providers, Bank of America offers 0% intro APR balance transfer cards. The intro APR period length varies between cards, but it’s either 12 or 15 months. The same APR intro period length often applies to purchases as well.

The revert rate, once the intro APR period expires, varies depending on your creditworthiness.

Capital One 0% intro APR offers

You’ll find fewer Capital One cards with 0% APR for purchases compared to other card providers. Despite that, you find solid 15-month 0% intro APR periods.

Your revert rates depend mostly on your creditworthiness, so expect a variable APR to apply after the intro period expires.

Interest-free credit card offers by period

As mentioned before, all 0% intro APR periods last for a limited time. The length of the intro APR period has nothing to do with your creditworthiness and it only depends on the card. Different APR intro period lengths can serve different purposes, however, and are generally offered by a specific type of card.

6-month 0% APR credit card

This is the shortest intro APR period you’ll find in a credit card. Typically, student credit cards or cards for building credit offer six months of a promotional, interest-free period. However, some student cards offer longer intro APR periods, so make sure to compare your options if this is a perk you need.

12-month 0% APR credit card

This is a slightly more common intro APR length than six months for personal credit cards. But it’s most common for business credit cards. Cashback credit cards or rewards credit cards are typically the ones that offer this intro APR length. Because of that, you’ll need a good to excellent credit score to get approval for this type of card.

15-month 0% APR credit card

This is by far the most common 0% intro APR period you’ll find in a credit card. Cashback credit cards and other rewards credit cards — excluding travel rewards credit cards — are the ones that offer this feature.

18-month 0% APR credit card

There are a few cards with 18 months of no interest. Citi’s best low-interest cards periodically fall to this tier, though they sometimes also bounce to the 21-month tier for balance transfers.

20- to 21-month 0% APR credit card

These are some of the longest intro-APR periods on the market. Cards with these promotions may not offer rewards on your purchases, but they can be ideal if your only goal is to pay off debt.

Citi periodically offers 21-month intro APR promotions for balance transfers, but sometimes reduces these to 18 months. At the time of this writing, U.S. Bank offers a great alternative at the 20-month mark.

Are there no-interest credit cards for 24 months?

You may find cards offering 0% interest for 24 months, but these are often store cards with deferred interest rates. If you’re looking for a standard credit card, you’ll have to settle for up to 21 months of an interest-free period.

What do I do when my 0% intro period ends?

If you still have a balance on your card and your intro APR will expire soon, you have a few options. For more information, read about what happens when an intro APR period ends.

• Try to pay off the balance as soon as possible. If you tighten the belt for a while, you might be able to accomplish this before your balance starts accumulating interest.
• Let your balance start accruing interest at the normal rate. If your balance isn’t too high, you might not mind your intro APR expiring before you’ve paid off your debt. Consider making a solid plan to pay off your balance so you don’t pay too much interest.
• Make a balance transfer. You may be able to get a 0% intro APR balance transfer card, which could help you pay off your balance with lower interest. If you do this, however, consider whether you’re making progress toward paying off your debt — or if you’re just shuffling it around.
  Card providers are unlikely to approve you for a balance transfer card if your credit utilization ratio is very high. They’ll be wary of taking you on as a customer if they think you’re drowning in debt.
• Take out a personal loan. If you don’t want to deal with another card but you want a lower interest rate on your balance, consider a personal loan. You could get an APR that’s substantially better than your credit card’s normal APR.

Bottom line

Getting a 0% APR credit card can be a smart move for certain purchases, and it can be helpful if you need a lower interest rate on existing debt. However, be careful with it — your card provider is hoping you won’t pay off your balance by the time your 0% intro APR ends.

To avoid this, know precisely what you’ll use your card for. Then make a plan to pay off your debt before your 0% intro APR expires.

If you think you’ll carry a balance for a long time, consider a low-interest rate credit card.

Frequently asked 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.

• 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.
  After you get your 0% APR card, your credit score might go down if you miss payments or accumulate a high balance. However, these issues apply to cards of all types, not just 0% APR cards.

• 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.