Best 0% Intro APR and Low APR Credit Cards for June 2020

Lyle is a writer specializing in credit cards, travel rewards programs, and banking. His work has also appeared on MSN Money, USA Today, and Yahoo! Finance.

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The best 0% intro interest credit cards could allow you to avoid interest charges on your balance for well over a year. These kinds of offers are available for both purchases and balance transfers, so they're great for financing big expenses or getting your credit card debt under control. Once you've decided what type of zero-interest offer you need, dive into our list to see the top 0% intro APR credit card options.

COVID-19 considerations for credit cards:

With the current state of the world, there can be a lot of uncertainty surrounding your personal finances. In order to assist customers facing financial hardship, many credit card companies are offering relief and assistance. For more information on COVID-19 and resources available, please visit our coronavirus hub.

High cash back
Discover it® Cash Back

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On Discover's Secure Website.

Apply Now

On Discover's Secure Website.

Rewards

Earn 5% cash back in rotating quarterly categories you activate ($1,500 quarterly spending cap), 1% back on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 14 months
Balance Transfers: 0%, 14 months

Ongoing APR

11.99% - 22.99% Variable

Bonuses & Perks

Double cash back in the first year -- that's worth up to 10% back, FICO score for free

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, 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.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Ongoing APR

13.74% – 23.74% (Variable)

Bonuses & Perks

FICO score for free

Highlights
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi® Diamond Preferred® Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Rewards

3% cash back at U.S. supermarkets ($6,000 spending cap per year), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on all else

Annual Fee

$0

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

12.99%-23.99% Variable

Bonuses & Perks

$150 statement credit after spending $1,000 within three months, get free 2-day shipping on eligible items at a growing network of 100+ online stores with ShopRunner.

Highlights
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Great for: Purchases and balance transfers Bank of America® Cash Rewards credit card

Why Apply

Includes a market-leading 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 0% intro APR offer makes this card a standout among its peers. Read Full Review

Rewards

3% cash back on gas or in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined bonus category quarterly purchases), 1% on all else.

Annual Fee

$0

Intro APR

Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles on transfers made within first 60 days

Ongoing APR

13.99%-23.99%

Bonuses & Perks

$200 after spending $1,000 in the first 90 days, 25% to 75% more rewards for Preferred Rewards members

Highlights
  • No annual fee
  • $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, 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
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Great for: Intro balance transfer fee The Amex EveryDay® Credit Card from American Express

Why Apply

This card is unavailable on site and card details may be out of date -- One of the few remaining balance-transfer cards that include an intro $0 balance transfer fee. Add in the premium rewards and welcome bonus, and it's hard to ignore. Read Full Review

Rewards

2x points at US supermarkets ($6,000 spending cap per year), 1x points on all else. Use your Card 20 or more times in a billing period to earn 20% more points

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months for transfers made within 60 days

Ongoing APR

12.99%-23.99% Variable

Bonuses & Perks

10,000 points after spending $1,000 within three months

Highlights
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
Rewards

5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 18 months

Ongoing APR

14.40% - 24.40%, variable

Bonuses & Perks

$150 credit after spending $1,200 on purchases within the first 90 days

Highlights
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
Rewards

None

Annual Fee

$0

Intro APR

Purchases: 0%, 20 billing cycles
Balance Transfers: 0%, 20 billing cycles

Ongoing APR

13.99%-23.99%, variable

Bonuses & Perks

Free TransUnion® Credit Score when you enroll in Online Banking

Highlights
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99%-23.99%.
  • No Annual Fee.
  • Fraud protection detects and notifies you of any unusual card activity.
  • Free TransUnion® Credit Score when you enroll in Online Banking.
  • Choose your payment due date.
  • 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.
Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles for balance transfers made in the first 60 days

Ongoing APR

14.49%-24.49%

Bonuses & Perks

FICO score for free, no penalty APR

Highlights
  • 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, 14.49% - 24.49% 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
Rewards

Unlimited 1.5% cash back, no minimum to redeem, rewards don't expire

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

16.49% - 25.24% Variable

Bonuses & Perks

$150 after spending $500 within three months, free credit score monitoring

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
The information related to Chase Freedom Unlimited® has been collected by The Ascent and has not been reviewed or provided by the issuer.
Capital One® Quicksilver® Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

Great for: Long balance transfer offer Citi Simplicity® Card - No Late Fees Ever

Why Apply

If getting rid of credit card debt is on your to-do list, this card can help. With no late fees, no annual fee, and no penalty rate, this card is an unmatched pick that’s made even better with an incredible 21 month 0% intro APR offer on balance transfers. Read Full Review

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Ongoing APR

14.74% - 24.74% (Variable)

Bonuses & Perks

No penalty APR

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • 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 14.74% - 24.74%, 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
Citi Simplicity® Card - No Late Fees Ever is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Capital One® SavorOne® Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

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Considering the standard credit card APR can be 18% or higher, it's not usually a good idea to carry a balance. There is, however, one notable exception. Zero-interest credit cards start you off with an introductory 0% APR. During that intro period, you won't accrue any interest charges -- even if you use your card and don't pay off your balance in full.

When used wisely, 0% intro APR cards can save you quite a bit of money. You could buy something you need but can't quite pay in full at the moment. If you have credit card debt, you could transfer balances to a 0% intro interest card to pay less for that debt. As long as your credit score is good enough to qualify, you just need to know how 0% intro interest credit cards work and how to pick the best one.

What is a 0% APR credit card?

A 0% APR credit card is one that offers a 0% introductory APR. The length of this intro period can vary quite a bit depending on the card. Some cards have shorter offers of less than six months, while others have lengthy offers of 18 months or longer.

Although you won't pay interest during the intro period, you still need to make minimum payments every month. If you don't, the card issuer could cancel the 0% APR offer. It's also important to realize that after the intro period ends, the interest rate goes up to the regular APR, which can be quite high. You should aim to pay your entire balance during the intro period to avoid hefty interest charges.

There are two types of 0% APRs offered by credit cards today:

  • 0% intro APRs on purchases: You won't pay interest on purchases you make using the card. These cards are a good choice for breaking up one or more big purchases into more affordable monthly payments.
  • 0% intro APRs on balance transfers: These cards are perfect for paying off debt since you won't pay interest on balances you transfer to the card. Since credit cards tend to have such high interest rates, you can save a lot of money with balance transfer cards.

What to look for in a 0% APR credit card

There are three features to look for in a 0% APR credit card:

  • The type of offer you need: Whether it's a 0% intro APR on purchases or balance transfers, make sure you find a card that meets your needs.
  • A lengthy 0% APR period: The longer a card's 0% intro APR lasts, the more money you can save on interest. If possible, try to find an offer that will last long enough for you to pay off all your purchases or balance transfers.
  • Minimal fees: The point of a 0% APR card is to save money, so you don't want to get hit with extra fees. No-annual-fee cards are the best choice. Many balance transfer credit cards charge fees for those balance transfers, but there are a select few that don't.

How to compare 0% APR cards

To compare 0% APR credit cards, start by checking out the length of their intro offers for the type of transaction you need. This is often the deciding factor. If you need a 0% intro APR on purchases, you may see one card with a 12-month introductory period and another with 15. Having three additional interest-free months to pay off what you charge is a big advantage.

There is one extra consideration if you're getting a balance transfer card -- balance transfer fees. Most credit cards charge a small fee to transfer a balance, such as 3% of the amount transferred. But a select few don't.

In some cases, not paying a balance transfer fee could save you more than a longer 0% intro APR. Imagine one card has a 15-month 0% balance transfer APR and doesn't charge balance transfer fees. Another has a 21-month 0% balance transfer APR and a 3% fee for each transfer. If you're confident you can pay off your credit card debt in 15 months or less, then the first card is the better choice. As you learn more about how balance transfers work, you'll also learn how to figure out which offer will save you more money.

Is a 0% APR credit card right for me?

A 0% APR credit card is right for you if either of the following are true:

  • You need to make one or more purchases that you can't pay for upfront.
  • You have credit card debt that you can't pay off within two to three months.

Keep in mind that, as a rule, you should try to avoid financing purchases. You're still taking on debt, even when it's interest-free. The smart approach is to wait and save the money you need for the purchase so that you can pay in full.

To be fair, that isn't always a realistic option. For example, you could have an unexpected home or car repair that you can't afford. In situations like those, a 0% APR card can be a lifesaver.

FAQs

  • The longest interest free period on purchases is typically 15 months, and several credit cards come with this offer. The longest interest free period on balance transfers is 21 months. Most of the best balance transfer credit cards offer interest free periods of 15 months or 18 months.

  • A 0% purchase APR means that you won't be charged interest on purchases you make until the card's intro period ends. After the intro period, any balances will accrue interest at the card's standard rate.

    0% APR credit cards are a popular way to finance large charges, as they allow you to pay the purchase off in smaller monthly payments. For example, you could use a 0% APR card to pay for car repairs, medical bills, new furniture for your home, or any other major expenses that you can't afford up front. Just make sure you pay down your balances as quickly as possible, because after the intro period ends, the card's APR will increase quite a bit.

    Keep in mind that you still need to make your minimum payment every month, even during the 0% APR intro period. If you miss a payment, you may incur a late fee. It's even possible for the credit card company to cancel your 0% APR offer for a missed payment.

  • Many retailers offer 0% intro APRs on store credit cards, but they rarely hold up to offers on ordinary general purpose credit cards (the technical name for credit cards that can be used anywhere). While 0% intro APRs on store cards may appear to match the offers you see on ordinary credit cards, there are a handful of reasons why it’s often a good idea to pass on store cards.

    • Lower credit limits -- Store cards typically have lower credit limits since they’re meant to be used only at one store. Using store cards with low limits can harm your credit score, since carrying a balance greater than 30% of your credit limit is known to have a negative impact on your credit score.
    • Shorter 0% intro APR periods -- While the best general purpose credit cards offer more than a year of 0% purchase APRs, store cards commonly offer intro periods that span only a few short months.
    • No 0% balance transfers -- We’ve never seen a true store card offer a 0% APR on balance transfers, or balance transfers at all, for that matter.
    • Higher ordinary interest rates -- When the 0% intro APR expires, a store card will typically revert to a higher interest rate than a general purpose credit card. Surveys show that more than half of store cards charge an APR in excess of 25%, well above the rate charged on general purpose credit cards.
    • Retroactive interest -- Also known as “deferred interest,” store cards can charge you interest on the entirety of your balance (even the portion you paid off!) if you fail to pay off all of the balance during the 0% intro APR period. General purpose credit cards (the cards on this list) don’t charge retroactive interest on balances. Instead, no interest credit cards that can be used at more than one store only charge interest on balances that remain after the 0% APR period expires.
    • Less utility -- A store card can generally only be used for purchases at one retailer, making it an unworkable solution for borrowing money to make multiple purchases from multiple vendors. It’s much easier to manage one card than several, making general purpose credit cards a “one-size-fits-all” solution to financing several major purchases.
  • You have to be careful if you decide to use a card for balance transfers and purchases. That’s because some cards only offer 0% intro APRs on balance transfers, which means if you use the card for purchases, too, you could end up with a scenario where you build up high-interest purchase debt while your monthly payments go toward paying down the 0% APR balance.

    You can avoid this problem by picking a card that offers 0% intro APRs on purchases and balance transfers for the same amount of time. This is by far the easiest solution since many cards offer exactly that.

    If your ideal card only offers a 0% intro APR on one type of balance, then there are two ways to avoid racking up a purchase balance and paying interest on it:

    1. Don’t use the card for another type of balance until the 0% APR balance is paid off, or until the 0% interest period expires.
    2. When your statement arrives, pay an amount equal to the minimum payment plus the high interest balance outstanding. To illustrate this point, suppose you have a $4,000 balance transfer at a 0% APR and a $500 purchase balance at an 18% APR. If your minimum payment that month is $150, you’ll want to pay $650 (minimum payment plus the $500 purchase balance) to avoid letting the purchase balance compound at a high interest rate.

    Under the CARD Act of 2009, credit card companies are required by law to apply payments in excess of the minimum payment towards your highest APR balance. Knowing this rule can help you avoid building up high-interest balances while paying down a balance at a 0% intro APR.

The Ascent's picks for the best 0% intro and low interest credit cards:
Card Rating Great For
Discover it® Cash Back Graphic of Discover it® Cash Back
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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:

Bonus cash back

Citi® Diamond Preferred® Card Graphic of Citi® Diamond Preferred® Card
Rating image, 4.0 out of 5 stars.
4.0 stars
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Great For:

Purchases and balance transfers

Blue Cash Everyday® Card from American Express Graphic of Blue Cash Everyday® Card from American Express
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. 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 and welcome bonus

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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:

Purchases and balance transfers

The Amex EveryDay® Credit Card from American Express Graphic of The Amex EveryDay® Credit Card from American Express
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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:

Intro balance transfer fee

ABOC Platinum Rewards Mastercard® Credit Card Graphic of ABOC Platinum Rewards Mastercard® Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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:

Fair/average credit

U.S. Bank Visa® Platinum Card Graphic of U.S. Bank Visa® Platinum Card
Rating image, 4.0 out of 5 stars.
4.0 stars
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Great For:

Purchases and balance transfers

BankAmericard® credit card Graphic of BankAmericard® credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
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Great For:

Purchases and balance transfers

Chase Freedom Unlimited® Graphic of Chase Freedom Unlimited®
Rating image, 4.5 out of 5 stars.
4.5 stars
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Great For:

Unlimited cash back

Capital One® Quicksilver® Cash Rewards Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. 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

Citi Simplicity® Card - No Late Fees Ever Graphic of Citi Simplicity® Card - No Late Fees Ever
Rating image, 4.0 out of 5 stars.
4.0 stars
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Great For:

Long balance transfer offer

Capital One® SavorOne® Cash Rewards Credit Card Capital One® SavorOne® Cash Rewards Credit Card
Rating image, 4.0 out of 5 stars.
4.0 stars
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Great For:

Restaurants and groceries

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