0% APR credit cards
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CK Editors’ Tips††: Cards with 0% APR offers can be great ways to pay off existing debt and avoid immediate interest charges on new purchases. Look for an intro APR period that’s long enough to allow you to manage your situation effectively.Read more
What to consider when choosing a 0% APR credit card
The most important feature to consider when finding a 0% APR credit card is the length of the intro APR period — it’s likely to determine if you’re able to pay off your balances without seeing interest charges. It’s also important to check the fine print because 0% APR offers can come with complicated rules. For instance, paying late may cause you to lose your interest offer.
The most important feature to consider when finding a 0% APR credit card is the length of the intro APR period — it’s likely to determine if you’re able to pay off your balances without seeing interest charges. It’s also important to check the fine print because 0% APR offers can come with complicated rules. For instance, paying late may cause you to lose your interest offer.
How we picked the best 0% APR credit cards
We chose the best 0% APR credit cards by focusing on cards that offer relatively long intro periods for purchases, balance transfers or both. In some cases, cards feature the same 0% APR period length for both purchases and balance transfers, but we didn’t limit ourselves to only those cards. We also picked several cards that offer ongoing rewards value after the end of the intro APR period because you may want a reason to keep your card open once you’re no longer focusing on managing interest. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe chose the best 0% APR credit cards by focusing on cards that offer relatively long intro periods for purchases, balance transfers or both. In some cases, cards feature the same 0% APR period length for both purchases and balance transfers, but we didn’t limit ourselves to only those cards. We also picked several cards that offer ongoing rewards value after the end of the intro APR period because you may want a reason to keep your card open once you’re no longer focusing on managing interest. Read more about our methodology for picking the best credit cards.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
18.49% - 29.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
18.49% - 29.24%* Variable
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Intro purchase APR
0%* for 15 monthsRegular purchase APR
19.49% - 29.49% (Variable)Annual fee
$0
Intro purchase APR
0%* for 15 months
Regular purchase APR
19.49% - 29.49% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
17.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
17.99% - 27.99%* Variable
Annual fee
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi Double Cash® Card
Intro purchase APR
N/ARegular purchase APR
18.49% - 28.49%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
18.49% - 28.49%* Variable
Annual fee
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards Credit Card
Intro purchase APR
0% intro on purchases for 15 monthsRegular purchase APR
19.49% - 29.49% (Variable)Annual fee
$0
Intro purchase APR
0% intro on purchases for 15 months
Regular purchase APR
19.49% - 29.49% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Great for simple cash back††
Great for simple cash back††
Bank of America® Unlimited Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
Great for gas and restaurants††
Great for gas and restaurants††
Discover it® Chrome
Intro purchase APR
0% Intro APR for 6 MonthsRegular purchase APR
18.49% - 27.49% Variable APR * Rates as of December 12, 2024.Annual fee
$0
Intro purchase APR
0% Intro APR for 6 Months
Regular purchase APR
18.49% - 27.49% Variable APR * Rates as of December 12, 2024.
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Great for rotating cash back categories††
Great for rotating cash back categories††
Discover it® Cash Back
Intro purchase APR
0% Intro APR for 15 MonthsRegular purchase APR
18.49% - 27.49% Variable APR * Rates as of December 12, 2024.Annual fee
$0
Intro purchase APR
0% Intro APR for 15 Months
Regular purchase APR
18.49% - 27.49% Variable APR * Rates as of December 12, 2024.
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.