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Best 0% APR Credit Cards of February 2023

Review Updated Feb. 1, 2023
Elizabeth Aldrich
By: Elizabeth Aldrich

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

An intro 0% APR credit card is one that doesn't charge interest on purchases, and sometimes also balance transfers, for an introductory period. Once the zero-interest intro period ends, the regular interest rate applies to any remaining balance and new purchases. This type of card can be a great way to finance a big expense, and you'll find all the best 0% intro APR credit cards here.

BankAmericard® credit card
Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Award Icon 2023 Award Winner

Great for: 0% intro APR offer for purchases and balance transfers

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR for 21 billing cycles for purchases. 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR on purchases and balance transfers will apply. A 3% fee (min $10) applies to all balance transfers.

Purchases: 0%, 21 billing cycles

Balance Transfers: 0%, 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

16.24% - 26.24% (Variable)

Rewards

N/A

Annual Fee

$0

  • Few cards in this category can compete with this offers long 0% intro APR offer. Read Full Review

    • No annual fee
    • FICO® Score for free
    • No penalty APR
    • Great 0% intro APR offer
    • No rewards
    • Balance transfer fee
    • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
    • No annual fee.
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
    • Contactless Cards - The security of a chip card, with the convenience of a tap.
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Award Icon 2023 Award Winner

Great for: Unlimited cash back

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Intro APR Circle with letter I in it. 0% intro APR, 15 months from account opening on qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

19.49%, 24.49%, or 29.49% variable APR

Rewards

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 cash rewards bonus after spending $1000 in purchases in the first three months

$200 cash rewards offer

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty welcome offer and versatile 0% intro APR offer are the cherries on top. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards sign-up bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
    • Earn unlimited 2% cash rewards on purchases
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
    • $0 annual fee
    • No categories to track or remember and cash rewards don't expire as long as your account remains open
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
    • Select "Apply Now" to learn more about the product features, terms and conditions

Great for: Long 0% intro APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Intro APR Circle with letter I in it. 0% intro APR, up to 21 months from account opening on qualifying balance transfers

Purchases: 0% intro APR, up to 21 months from account opening

Balance Transfers: 0% intro APR, up to 21 months from account opening on qualifying balance transfers

Regular APR

17.49% - 29.49% variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • A clear leader with a 0% intro APR offer that is among the longest we've come across. The card also includes an innovative intro APR extension with on-time payments. Read Full Review

    • Long 0% Intro APR offer
    • No annual fee
    • Cell phone protection
    • Balance transfer fee
    • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.49% to 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
    • $0 Annual Fee
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
    • Select "Apply Now" to learn more about the product features, terms and conditions

Great for: No Penalty APR or late payment fee

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.49% - 29.24% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.

Lower intro balance transfer fee

  • With a long 0% intro APR offer, no late fees, no annual fee, and no penalty rate, this card is an unmatched pick. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • No rewards
    • Foreign transaction fee
    • 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.
    • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
    • Stay protected with Citi® Quick Lock.

Great for: Balance transfers and cash back

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

16.24% - 27.24% Variable APR

Rewards Circle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

  • Get the best of both balance transfer and cash back worlds with this card. Not only do you get a great intro APR on balance transfers, but you also get a rich cash back program. Read Full Review

    • Great intro APR offer
    • Sign-up bonus offer
    • Robust cash back program
    • No annual fee
    • FICO® Score for free
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
    • Every $1 you earn in cash back is $1 you can redeem.
    • No annual fee.
    • Click "Apply Now" to see terms and conditions.
Award Icon 2023 Award Winner

Great for: Cash back versatility with a big bonus

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR on Balance Transfers, 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.24% - 27.99% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

1% - 5% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • Deserves to be top of wallet for many cardholders due to some of the highest cash back rates for essentials, a big sign-up bonus, and no annual fee. Read Full Review

    • Competitive cash back bonus
    • Lucrative cash back program
    • Travel rewards
    • Great intro APR
    • No annual fee
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Great for: Purchases and balance transfers

Apply Now for U.S. Bank Visa® Platinum Card

On U.S. Bank's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for U.S. Bank Visa® Platinum Card

On U.S. Bank's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99% (Variable).

Purchases: 0%, 18 billing cycles on purchases

Balance Transfers: 0%, 18 billing cycles

Regular APR

18.99% - 28.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • With an 18 billing cycle intro APR offer for both balance transfers and purchases, this is one of the best low interest credit cards we've come across. Read Full Review

    • Long 0% intro APR offer
    • No annual fee
    • Cell phone protection
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.

Great for: Bonus cash back

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $200 in 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.

20,000 ThankYou® Points

  • A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • 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.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash℠ Card account per person.

How do credit cards with 0% APR work?

On intro 0% APR credit cards, the intro APR on purchases is set to 0% for a limited period of time. That means you don't need to pay off your full credit card balance every month to avoid interest during the intro period, as you would with other credit cards.

As an example, imagine you get a card with an intro 0% APR on purchases for 15 months. You use it to buy a new computer for $1,500. All you need to do is make the minimum payment every month. If you make payments of at least $100 per month toward that purchase, then you'll pay it off interest free.

There are situations where you can be charged interest by your credit card company, even with a 0% APR credit card:

  • You don't make your minimum monthly payment. You're still required to make minimum payments on time. If you don't, the card issuer could cancel the intro 0% APR offer.
  • You use your credit card for other types of transactions. Most cards' 0% intro APR offers don't apply to cash advances.

What happens when the 0% APR ends?

When the 0% APR period ends, the credit card's standard APR applies. The card issuer can then start charging you interest on your remaining balance and any new purchases you make. That's why it's highly recommended you pay off your entire balance before the end of the intro 0% APR offer.

If you have any costly purchases coming up that you can't pay for in full, a credit card with 0% intro APR could be the solution. You can stretch your payments out over the card's introductory period, and you'll avoid paying interest as long as you pay off your balance before it ends. But you do need to understand how credit cards with 0% interest work first to avoid making any costly mistakes.

What is a 0% APR credit card?

A 0% APR credit card has an introductory APR period with zero interest on purchases. During the card's introductory period, you can carry a balance on your purchases from month to month without incurring any interest charges.

The length of the intro period varies by card. Some credit cards offer a 0% intro APR for six months or less, but there are also intro 0% APR credit cards offering 18 months or longer without interest.

Assuming you can pay off your full balance within the intro period, you won't pay any interest. This can save you hundreds or thousands of dollars compared to what standard credit card interest rates would cost you.

Learn more: What Is APR and What Does It Mean for Your Credit Cards?

How does credit card interest work?

Credit card interest is the fee you pay when you borrow money using your credit card. Every billing cycle, the card issuer will apply the credit card APR to any transactions eligible for interest charges.

APR stands for annual percentage rate, and on credit cards, it serves as the interest rate. Most credit cards have a variable APR. With a variable APR, your interest rate can change over time. Most credit cards have a predetermined APR range, and your actual APR is determined in part by your credit score.

Many credit cards also charge a different variable APR for each type of transaction (purchases, balance transfers, and cash advances). If you make a late payment, some credit cards may start charging a higher penalty APR.

Not all transactions incur interest. Credit cards typically have an interest-free grace period between the date your statement is sent to you and its due date. If you pay off the full statement balance, you won't be charged interest on your purchases. And of course, you also won't be charged the interest rate if your card has a 0% intro APR offer in effect.

Learn more: How to Lower Your Credit Card Interest Rate

What are the longest intro 0% APR credit cards?

Some of the longest intro 0% APR credit cards we've come across are the following:

As of Feb. 07, 2023
Image for
Image for
Image for
BankAmericard® credit card U.S. Bank Visa® Platinum Card Citi Simplicity® Card
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Apply Now for U.S. Bank Visa® Platinum Card

On U.S. Bank's Secure Website.

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer:

Welcome Offer:

N/A

Welcome Offer: Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.

Lower intro balance transfer fee

Rewards Program:

N/A

Rewards Program:

N/A

Rewards Program:

N/A

Intro APR: Circle with letter I in it. 0% Intro APR for 21 billing cycles for purchases. 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR on purchases and balance transfers will apply. A 3% fee (min $10) applies to all balance transfers.

Purchases: 0%, 21 billing cycles

Balance Transfers: 0%, 21 billing cycles for any balance transfers made in the first 60 days

Intro APR: Circle with letter I in it. 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99% (Variable).

Purchases: 0%, 18 billing cycles on purchases

Balance Transfers: 0%, 18 billing cycles

Intro APR:

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR:

16.24% - 26.24% (Variable)

Regular APR:

18.99% - 28.99% (Variable)

Regular APR:

18.49% - 29.24% (Variable)

Annual Fee:

$0

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Highlights:

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule
  • No Annual Fee
  • Terms and conditions apply.

Highlights:

  • 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.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock.
Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Apply Now for U.S. Bank Visa® Platinum Card

On U.S. Bank's Secure Website.

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

How to maximize your 0% APR credit card

The best way to use 0% intro APR credit cards is use the interest-free period to finance a major purchase. Make at least minimum monthly payments on time, and pay off your balance in full before the intro period ends. This will allow you to avoid interest entirely.

Opt for a card with a lengthy intro period to lessen your monthly payments, and make sure it doesn't charge an annual fee. Any annual fee will eat into what you're saving on interest. If you're able to get a card that also offers cash rewards or a welcome bonus, even better. The best credit card offers help you minimize fees and avoid credit card debt while maximizing rewards.

How to compare the best 0% APR credit cards

There are quite a few impressive 0% intro APR credit cards with no annual fee available. That's why it's important to compare credit card offers to make sure you're getting the best deal out there. Knowing your credit score can help you determine which offers you qualify for.

Here are features to look at when comparing the best 0% APR credit cards:

  • Length of the 0% intro APR: A longer 0% intro APR period gives you more time to pay off your balance. Calculate how long it will take you to pay off your planned purchases. Then, look for a card that offers a 0% APR for at least that long.
  • Sign-up bonus: Many 0% APR credit cards have lucrative sign-up bonuses, such as a $200 cash rewards bonus if you spend at least $500 in the first three months. This type of bonus is a great way to save even more money.
  • Rewards: There are also some 0% APR cards that offer purchase rewards, most commonly cash back. These are another way to save money on the purchases you make.

Start by seeing which cards offer a long-enough 0% intro APR offer, so that you'll be able to pay off your balance in full during the intro period. If there are multiple cards that fit the bill, use sign-up bonuses and rewards as the tiebreaker.

Alternatives to consider

Depending on your financial needs, interest free credit cards with 0% intro APR may not be the right choice. Here are the top alternatives to credit cards with a 0% intro APR.

Balance transfer credit cards

If you have credit card debt to refinance, then a balance transfer card is the way to go. A balance transfer is when you move existing credit card balances onto a new card. The top balance transfer cards have 0% intro APR periods on any balances you transfer over. In most cases, you'll have to pay a balance transfer fee. Head to our balance transfer calculator to find out whether the interest you'd save with a balance transfer credit card is worth its balance transfer fee.

Compare our picks: Check out The Ascent's best balance transfer credit cards

Credit cards with low interest

If you expect it to take you more than a couple years to pay off your balance, and if you have excellent credit, you might be better off with a low interest credit card. These credit cards have a low ongoing APR on all purchases, so they're good to keep on hand in case you ever need to carry a balance. Sometimes these cards will also let you earn cash rewards. Some credit unions even offer credit cards with lower interest rates than many personal loans.

Compare our picks: Check out The Ascent's best low interest credit cards

Personal loans

With a personal loan, you'll have a fixed payment amount and loan term, which gives you more structure than a credit card. Personal loans are also better for when you will take two years or longer to pay off a purchase because they have lower interest rates than credit cards. But if you are confident you can pay off a purchase within the intro period of an intro 0% credit card, then the card would save you money. The better your credit score, the better your chances are of securing a personal loan with a low interest rate.

Compare our picks: Check out The Ascent's best personal loans

Debt consolidation loans

You can get a debt consolidation loan for any type of debt. It can be more versatile than a balance transfer card, because some balance transfer cards (but not all) can only be used for credit card debt. Debt consolidation loans are also a good choice when you need more time to pay off your debt than the intro period a balance transfer card gives you.

Compare our picks: Check out The Ascent's best debt consolidation loans

The Picks
Card Rating Great For
Award Icon 2023 Award Winner
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5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

0% intro APR offer for purchases and balance transfers

Award Icon 2023 Award Winner
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5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Unlimited cash back

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
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Great For:

Long 0% intro APR

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
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Great For:

No Penalty APR or late payment fee

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5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Balance transfers and cash back

Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
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Great For:

Cash back versatility with a big bonus

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
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Great For:

Purchases and balance transfers

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus cash back

FAQs

  • A 0% APR credit card doesn't charge interest on purchases for an introductory period. If you carry a balance from purchases during that time, you won't incur any interest charges. You are required to make minimum payments because if you don't, the card issuer may cancel the zero-interest offer. The length of the 0% APR period depends on the credit card.

  • Once the 0% APR offer ends, the card's standard APR will apply to the current balance and new charges. This means you'll start paying the regular interest rate on any remaining balance you couldn't pay off before the end of the intro period.

  • You can avoid paying credit card interest on 0% APR credit cards by paying off your entire balance before the introductory period ends.

Our Credit Cards Expert