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Best 0% APR Credit Cards of June 2022

Many or all of the products here are from our partners that pay us a commission. 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 offers a promotional period when interest isn’t charged on purchases or even balance transfers. Once the interest-free introductory period ends, the regular interest rate is applied to new purchases and any remaining balance. 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.

Great for: Unlimited cash back

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty sign-up bonus 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 15.74%, 20.74%, or 25.74% 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
    • 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.

  • 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 of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% 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 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your 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.

  • 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 15.49% - 25.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
    • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
    • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Great for: Balance transfers and cash back

  • 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Redeem cash back any amount, any time. Rewards never expire.
    • No annual fee.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Great for: Cash back versatility with a big bonus

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

  • 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 15.24% - 23.99%.
    • 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 BankAmericard® credit card

On Bank of America's Secure Website.

  • This no-annual-fee card has among the longest 0% intro APR offer for purchases and qualifying balance transfers. Few cards pack in such a long promo period for both, plus a sign-up bonus. Read Full Review

    • Sign-up bonus
    • Long 0% intro APR offer
    • No annual fee
    • FICO® Score for free
    • No penalty APR
    • No rewards
    • Balance transfer fee
    • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
    • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% 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.

Great for: Purchases and balance transfers

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

On U.S. Bank's Secure Website.

  • With a 20 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
    • Limited Time Offer!
    • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.
    • 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
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Terms and conditions apply.

Great for: Bonus cash back

  • 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 in cash back after you spend $750 on purchases in the first 3 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 14.74% - 24.74%, 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.

Great for: Cash back in your category of choice

  • Includes a big bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long intro APR offer makes this card a standout among its peers. Read Full Review

    • Competitive sign-up bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • 0% intro APR offer
    • Foreign transaction fee
    • Limit on bonus cash back
    • $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.
    • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
    • No annual fee and no expiration on rewards.
    • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
    • 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.

How does a 0% APR credit card work?

On intro 0% APR credit cards, the promotional 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 incurring interest charges.

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 also pay at least $100 per month towards that purchase, then you'll pay it off interest free.

There are situations where you can be charged interest by your credit card company:

  • 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?

At the end of its intro 0% APR period, the credit card company will change the card's standard APR. 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 that 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 intro 0% interest credit cards 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 of 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. Sometimes a 0% intro APR credit card offer has a 0% APR of 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 pre-determined 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?

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

  • U.S. Bank Visa® Platinum Card: 0% intro APR on purchases (and balance transfers) for 20 billing cycles
  • Citi Simplicity® Card: 0% intro APR on balance transfers for 21 months and 12 months on purchases.
  • BankAmericard® credit card: 0% intro APR on purchases (and qualifying balance transfers) for 18 billing cycles.

How to maximize your 0% APR credit card

The best way to use 0% intro APR credit cards is to leverage the interest-free period to finance a major purchase and pay it off in full before the introductory period ends. As long as you pay off the balance by the end of the intro period, and make sure to pay your minimum monthly payment on time, you'll avoid interest altogether. Keep in mind that you might not get a credit limit high enough to cover your entire purchase.

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 0% APR credit cards

The best 0% intro APR credit card is the U.S. Bank Visa® Platinum Card. It has the longest introductory period we've come across for both purchases and balance transfers, so if you need as much time as possible to pay off purchases, it's the card to choose. It also has a $0 annual fee. The Citi Simplicity® Card and BankAmericard® credit card are other good choices.

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 the best 0% APR credit cards with long intro periods and how they compare:

As of May. 17, 2022
Image for
Image for
Image for
U.S. Bank Visa® Platinum Card Citi Simplicity® Card BankAmericard® credit card
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.

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Welcome Offer:

N/A

Welcome Offer:

N/A

Welcome Offer: Info Icon Circle with letter I in it.

$100 statement credit

Rewards Program:

N/A

Rewards Program:

N/A

Rewards Program:

N/A

Intro APR: Info Icon Circle with letter I in it.

Purchases: 0% Intro on purchases, 20 billing cycles

Balance Transfers: 0% Intro on balance transfers, 20 billing cycles

Intro APR:

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Intro APR: Info Icon Circle with letter I in it.

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR:

15.24% - 25.24% (Variable)

Regular APR:

15.49% - 25.49%, (Variable)

Regular APR:

13.24% - 23.24% Variable

Annual Fee:

$0

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • Limited Time Offer!
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.
  • 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
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • 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 15.49% - 25.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Highlights:

  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% 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.
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.

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

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

Alternatives to consider

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

Balance transfer credit card: 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

Low interest credit card: 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 loan: 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 promotional 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 loan: You can get a debt consolidation loan for any type of debt. It's more versatile than a balance transfer card, which you can typically only use 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
Rating image, 5.00 out of 5 stars.
Great For:

Unlimited cash back

Rating image, 5.00 out of 5 stars.
Great For:

Long 0% intro APR

Rating image, 4.50 out of 5 stars.
Great For:

No Penalty APR or late payment fee

Rating image, 5.00 out of 5 stars.
Great For:

Balance transfers and cash back

Rating image, 5.00 out of 5 stars.
Great For:

Cash back versatility with a big bonus

Rating image, 5.00 out of 5 stars.
Great For:

Purchases and balance transfers

Rating image, 4.50 out of 5 stars.
Great For:

Purchases and balance transfers

Rating image, 5.00 out of 5 stars.
Great For:

Bonus cash back

Rating image, 4.50 out of 5 stars.
Great For:

Cash back in your category of choice

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.

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