Updated September 20, 2017

0% intro APR credit cards are the Swiss-Army knife of credit cards, able to suit several needs, from cardholders transferring balances to a 0% intro APR to pay off debt faster to people earning rewards on new purchases while avoiding interest charges during the promo period. And the 0% intro APR cards on our short list cut out-of-pocket costs further by not charging an annual fee as well. Check out our picks for the best 0% intro APR credit cards below to learn more.

Discover it® - 18 Month Balance Transfer Offer
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Discover it® - 18 Month Balance Transfer Offer

Best for: Balance transfers and cash back

Discover it - 18 Month Balance Transfer Offer offers an unmatched combination of benefits for those looking to reduce their debt load without sacrificing valuable rewards. On one hand, cardholders can take advantage of a 0% intro APR for 18 months for balance transfers in addition to a 0% intro APR for 6 months for purchases. And on the other, new cardholders also enjoy best-in-class rewards, including Discover's Cashback Match for every dollar spent in their first year, up to 5% cash back ($1,500 quarterly spending cap) in bonus categories you activate, and 1% on all other purchases. Top it all off, cardholders rack up additional savings with no annual fee and no foreign transaction fees. This combination of perks simply isn't available among balance-transfer credit cards we know of. Read our full Discover it - 18 Month Balance Transfer Offer review to learn more.

BankAmericard® Credit Card
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BankAmericard® Credit Card

Best for: Balance transfers and intro balance transfer fee offer

BankAmericard® Credit Card stands out among the balance-transfer credit card pack with its $0 intro balance transfer fee for transfers made within 60 days of account opening (3%, $10 min. thereafter). Tack that on to the cards 0% intro APR for 15 billing cycles for purchases and balance transfer made within 60 days, and you can start to see why we think it's one of the best balance-transfer credit cards. Read our full BankAmericard® Credit Card review to learn why its 0% intro APR offer is such a precise debt-cutting tool

Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card

Best for: Purchases and bonus cash back

Bank of America® Cash Rewards is a Swiss-army knife-style credit card that's a fit for many needs. The cards 0% intro APR offer spans 12 billing cycles for both new purchases and balance transfers made within 60 days. Cardholders also earn $150 new cardholder cash rewards bonus after spending at least $500 on purchases in the first 90 days. Bank of America® Cash Rewards offers bonus-category cash back worth 3% on gas and 2% at grocery stores and wholesale clubs (on the first $2,500 of combined bonus category purchases each quarter), and 1% on all other purchases. Bank of America banking clients may be best off, since they can amp up cash back rewards by 25% to 75%, depending upon Preferred Rewards status. That works out to a fully-baked cash back rate of 5.25% for gas purchases on the high end, albeit capped. For these many reasons, we think the card is one of the best credit cards of 2017. Read our full Bank of America® Cash Rewards review to learn more.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Best for: Purchases

Chase Freedom UnlimitedSM offers a 0% intro APR on both balance transfers and new purchases that spans a lengthy 15 billings cycles. Qualifying cardholders also score a $150 new-cardholder bonus when spending at least $500 on new purchases in the first three months, plus all purchase earn unlimited 1.5% cash back. Read our full Chase Freedom UnlimitedSM review to learn more.

 

Discover it® Miles
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Discover it® Miles

Best for: Purchases and travel

Travel cards tend to reward cardholders with high rates at the expense of other valuable perks, including 0% intro APR offers. Disover it® Miles bridges that gap with all purchases earning 1.5x miles per $1 and a 0% intro APR for 14 billing cycles for purchases. This flexible approach aligns with Discover it®-branded credit cards, which we think are good options for cardholders who carry one card that's meant to be versatile for day-to-day essentials. Read our full Discover it® Miles review to learn more.

Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard®

Best for: Purchases and sign-up bonus

Barclaycard CashForward™ World Mastercard® rivals some cards on this list with a deep bench of valuable perks. Qualifying new cardholders earn a $200 cash rewards bonus after spending $1,000 on new purchases in the first 90 days, every purchase earns 1.5% cash back, plus the card offers a 0% intro APR spanning 15 billing cycles for both new purchases and qualifying balance transfers. If you've secured an excellent credit history, there may not be a better $0 annual-fee cash-back card. Read our full Barclaycard CashForward™ World Mastercard® review to learn more.

Citi® Double Cash Card

Citi® Double Cash Card

Best for: Balance transfers and cash back

Citi® Double Cash Card is a versatile card that fits cardholders needs beyond the 0% intro APR promo. Transactor strategies (paying off balances each month to earn rewards and avoid interest) are powerful ways to make your money work better for you, but only once getting out of debt. Citi® Double Cash Card offers a long 0% intro APR for 18 billing cycles for qualifying balance transfers to help pay off debt faster plus an innovative cash-back program that incentivizes paying off purchase balances. Cardholders earn a total of 2% cash back, 1% when making purchases and 1% when paying. Both perks are best-in-class in their own right, which highlights why we covet this card. Read our full Citi® Double Cash Card review to learn more.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Best for: Balance transfers and purchases

Citi® Diamond Preferred® Card has one of the longest 0% intro APR offers we know of, spanning 21 billing cycles for both new purchases and balance transfers made within four months. Cardholders using balance transfer strategies to pay off debt faster and get their financial houses in order will also appreciate that the card includes a FICO® score for free. But keep in mind that Citi® Diamond Preferred® Card requires excellent credit. Read our full Citi® Diamond Preferred® Card review to learn more.



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