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Looking for cards with a 0% introductory interest rate to fund a purchase, consolidate debt, or earn cash back? You've come to the right place. These are our favorite credit cards with 0% Intro APR offers:
Great for: Unlimited Cashback Match
2024 AWARD WINNER
Our pick for Best Cash Back Credit Card of 2024 because it has the highest cash back earning potential we've seen!
Rewards Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Welcome Offer N/A
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories (when you activate them, up to the quarterly spending maximum) and 1% on other purchases.
Great for: Balance Transfers
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
Annual Fee N/A
This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. The balance transfer fee (5%, min: $5) is higher than some cards — but if you want an equally long intro APR on purchases, then this card is hard to beat.
Great for: Groceries, Gas, Streaming, and Transit
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Annual Fee
Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
This card offers market-leading cash back at U.S. Supermarkets. The welcome bonus and intro APR offer just sweeten the deal. Terms apply. If you spend at least $500 per month on groceries (excluding wholesale clubs and super-stores like Costco and Walmart), this card is worth considering.
Apply for the Blue Cash Preferred® Card from American Express
Great for: Unlimited 2% Cash Rewards
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards Earn unlimited 2% cash rewards on purchases.
Intro APR 0% intro APR for 15 months from account opening on purchases and 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
This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a generous intro APR offer. We simply haven’t come across this combination of top perks in one card before.
Great for: Balance Transfers
Intro APR N/A
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
Rewards 2% cash back: 1% when you buy plus 1% as you pay
Annual Fee
Welcome Offer 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.
This card combines a top-notch balance transfer offer for 18 months with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so if you use that long balance transfer offer you'll be charged interest on all new purchases until the full balance is paid off. However, once you conquer that balance transfer, this may become your go-to card thanks to the high cash back rate.
Great for: Unlimited Cash Back with Bonus Categories
On Chase's Secure Website.
On Chase's Secure Website.
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
Rewards Enjoy 5% cash back on travel purchased through Chase Travel, 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 1.5% on all other purchases
Annual Fee N/A
Welcome Offer Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
This card would be highly-rated based on its unlimited 1.5% - 5% cash back rates & 0% Intro APR offer alone. But the innovative sign-up bonus (worth up to $300 cash back) makes it particularly good if this would be your primary credit card. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Ultimate Rewards®, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase.
Great for: Easy-to-Earn Welcome Bonus
On Capital One's Secure Website.
On Capital One's Secure Website.
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
Rewards Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
Annual Fee
Welcome Offer 20,000 Miles once you spend $500 on purchases within 3 months from account opening
What really stands out is the incredibly easy-to-earn sign-up bonus. You can earn a 20,000 mile bonus after spending only $500 in your first 3 months (that's like earning 40x miles on that spend!) If a straightforward travel rewards program & sign-up bonus with a low spending hurdle is most important to you, then this card is a very solid pick.
Apply now for the Capital One VentureOne Rewards Credit Card
Credit cards with rewards & 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:
Follow this and you'll be making your money work overtime for you. Live richly, not risky.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here