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0% APR Credit Cards
Compare nearly a dozen 0% APR cards and start saving on interest.
Compare 0% credit cards
If you want to check out all of your 0% APR credit card options, filter down your options under "Refine results" and select up to 4 cards to start comparing.
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The best 0% APR credit cards of 2021
If you’re looking for a place to start on your card journey, we’ve ranked the 7 best 0% APR credit cards to give you an idea of what to expect from a strong 0% APR credit card.
How to compare 0% APR credit cards
You have a few key features to examine when determining which 0% APR credit card is right for you.
- Intro period length. This is one of the first areas to look at as it directly determines how long you have to pay off your consolidated debts or your new purchases, interest-free. If you need have a lot of debt to clear or purchases to make, you may want a longer intro period length to give yourself plenty of time for repayments.
- Revert APR. After your intro period ends, your card will return to a typical APR. If you plan on carrying a balance in the future, you’ll want a card with a low revert APR.
- Balance transfer fees. Most balance transfer cards charge a fee for performing a balance transfer. This fee can range from 2% to 5% of the transferred amount on average, which can get expensive depending on how much you need to transfer.
- Rewards. Rewards can give a 0% APR card some utility and value long after the intro period ends.
How much can I save on interest with a 0% APR card?
The following table shows the interest you can save on a $2,500 balance with a 0% APR product.
| Credit Card A | Credit Card B | Credit Card C | |
|---|---|---|---|
| Purchase balance | $2,500 | $2,500 | $2,500 |
| Purchase APR | 0% | 14.99% | 22.99% |
| Repayment period | 15 months | 15 months | 15 months |
| Monthly payment | $167 | $184 | $193 |
| Interest Paid | $0 | $257 | $401 |
Which banks offer 0% APR cards?
Here’s a quick look at which banks offer some form of 0% APR offer on their cards and the maximum intro period length it offers.
| Bank | 0% Balance Transfer | 0% Purchase | Maximum length |
|---|---|---|---|
| American Express | No | Yes | 15 months |
| Wells Fargo | Yes | Yes | 18 months |
| Bank of America | Yes | Yes | 15 months |
| Capital One | No | Yes | 15 months |
| US Bank | Yes | Yes | 20 months |
| Citi | Yes | Yes | 18 months |
| HSBC | Yes | Yes | 18 months |
| Chase | No | Yes | 15 months |
| TD Bank | Yes | Yes | 15 months |
| Discover | Yes | Yes | 6 months |
What to do when a 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.
- 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.
If you think you’ll carry a balance for a long time, consider a low-interest rate credit card.
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Hi Toni!
Thanks for contacting finder – the leading comparison website & general information service built to give you advice in your buying decision needs.
Yes, you can cancel the card and transfer to a cheaper one after a promotional period. However, you may have to contact your bank how to go about this before your promotional period ends to make sure there is no balance left on the card.
Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps!
Best regards,
Nikki