Best 0% APR Credit Cards #

Editorial Note: We earn a commission from partner links on Credit Card Guide. Commissions do not affect our editors' opinions or evaluations.

For smart spenders and budget watchers, finding the best 0% APR credit cards can greatly help with managing money, turning big buys into easy, no-interest payments. Our detailed guide to top 0% APR credit cards offers not just ways to make purchases and transfer balances without paying extra but also a great chance to save money. Users can look forward to long no-interest periods, rewards on daily spending, and welcome bonuses that bring immediate value.

Our promise ...

At Credit Card Guides, our mission is to enhance your financial savvy and help you discover the best credit card offers that align with your needs and goals. Our team of finance and credit card aficionados draws upon personal experiences to deliver insights and unbiased reviews that empower you to make informed choices. Although we receive compensation through our credit card application links, advertisements, and clearly marked sponsored content, we assure you that our editorial opinions, reviews, and card evaluations are strictly our own. We’re committed to maintaining the highest standards of integrity and transparency, ensuring that our recommendations are always focused on optimizing your benefits and savings.

BEST CARD FOR EARNING FLEXIBLE REWARDS

Capital One VentureOne Rewards Credit Card

Rating: ★★★★★ (5/5)

Rewards
Earn 5X miles on hotels and rental cars booked through Capital One Travel, and enjoy an unlimited 1.25X miles on every purchase.
Welcome bonus
20,000 Miles after you spend $500 on purchases within the first 3 months from account opening.
Annual fee:
$0
Intro APR Purchase Period:
15 months
Regular APR:
19.99% - 29.99% (Variable)

Why We Picked It ...

The Capital One VentureOne Rewards Credit Card simplifies earning while still offering significant value. It stands out among no annual fee cards for its ability to transfer miles to travel partners and provides straightforward rewards with multiple redemption options. It’s also travel-friendly, with no foreign transaction fees and enhanced rewards for bookings made through Capital One’s travel portal.

Pros & Cons ...

Pros ✓

No foreign transaction fees
No annual fee
No penalty APR

Cons ✘

Lower rewards rate compared to some other cards
Best rewards require booking through Capital One Travel

Apply Now

On Capital One's Website

BEST 0% APR CARD FOR CASH BACK ON TRAVEL

U.S. Bank Cash+® Visa Signature® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Center. Also, enjoy 5% cash back on the first $2,000 in combined purchases each quarter in two categories you choose, with additional cash back options available.
Welcome bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
Annual fee:
$0
Intro APR Purchase Period:
15 billing cycles
Regular APR:
19.49% - 29.74% (Variable)

Why We Picked It ...

The U.S. Bank Cash+® Visa Signature® Card stands out with its no annual fee and robust cash back rewards. Remember to select your bonus categories quarterly to maximize your cash back potential beyond the standard rate.

Pros & Cons ...

Pros ✓

Up to 5% cash back in selected categories
$200 welcome bonus
No annual fee
0% intro APR on purchases for 15 billing cycles

Cons ✘

5% cash back rate applies only to the first $2,000 in combined purchases each quarter
Requires active selection of 5% categories
Foreign transaction fees apply

Apply Now

On U.S. Bank's Website

BEST FOR AUTOMATIC EARNING MAXIMIZATION

Citi Custom Cash® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle, then 1%. Categories adjust automatically to your spending.
Welcome bonus
$200 after spending $1,500 in the first 6 months. This bonus is given as 20,000 ThankYou® Points, redeemable for $200 cash back.
Intro APR:
0% for 15 months on Purchases and Balance Transfers, then 19.24% - 29.24% Variable.
Annual fee:
$0

Why We Picked It ...

The Citi Custom Cash Card simplifies maximizing cash back by automatically adjusting to your top spending category each billing cycle, without requiring category selection or activation.

Pros & Cons ...

Pros ✓

Automatic adjustment to top spending category for 5% earnings
Unique categories not typically offered by other cards
Introductory 0% APR on purchases and balance transfers
No annual fee

Cons ✘

High balance transfer fee
High foreign transaction fees
Some common categories have lower rewards

Apply Now

On Citi's Website

BEST FOR EARNING CITI THANKYOU POINTS

Citi Rewards+® Card

Rating: ★★★★★ (5/5)

Rewards
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X points. Earn 1 point per dollar spent on all other purchases.
Welcome bonus
Earn 20,000 bonus points after spending $1,500 on purchases within the first 3 months of account opening.
Intro APR:
0% on balance transfers and purchases for 15 months from account opening, then a variable APR, 18.74% - 28.74%.
Annual fee:
$0
Credit Required:
Excellent, Good (700 - 749)

Pros & Cons ...

Pros ✓

All purchases rounded up to the nearest 10 points
10% points back on the first 100,000 points redeemed each year
No annual fee

Cons ✘

Foreign transaction fee applies
High balance transfer fee after intro period
$6,000 annual spending cap on 2x points category

Expert's Summary ...

The Citi Rewards+® Card stands out for its unique benefits, offering a blend of 0% APR on purchases and balance transfers, plus rewards on everyday spending.

Why we like it

This card is notable for its welcome bonus and rewards structure, especially the points rounding up feature for all purchases and the 10% points back on redemptions, making it attractive for frequent shoppers.

What we don’t like

While the card excels in rewards and introductory APR, the benefits beyond these areas, like travel perks, are limited.

Who it’s best for

Ideal for those looking for a no-annual-fee card that offers rewards on daily spending while also planning to take advantage of the introductory APR offer on purchases and balance transfers.

Apply Now

On Citi's Website

BEST 0% APR CARD FOR EARNING REWARDS ON GROCERIES

Amex EveryDay® Credit Card

Rating: ★★★★★ (5/5)

Rewards
Earn 2X points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American Express Travel.
Welcome bonus
Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months.
Intro APR:
0% for 15 months, then 18.24% - 29.24% variable.
Annual fee:
$0

Why We Picked It ...

This card is perfect if you’re seeking a strong introductory APR offer and frequently shop at US supermarkets.

Pros & Cons ...

Pros ✓

Up to 20% bonus on points earned for 20+ purchases per month
2 Membership Rewards points per dollar on up to $6,000 spent annually at U.S. supermarkets
No annual fee

Cons ✘

2.7% foreign transaction fee
Spending cap on bonus points at grocery stores
20 purchases per month required for 20% bonus

Apply Now

On American Express's Website

BEST 0% APR CARD FOR FLAT-RATE REWARDS

Wells Fargo Active Cash® Card

Rating: ★★★★☆ (4.9/5)

Rewards
Earn unlimited 2% cash rewards on purchases.
Welcome bonus
$200 Cash Rewards after spending $500 on purchases in the first 3 months.
Intro APR:
0% for 15 months on purchases and qualifying balance transfers, then 20.24%, 25.24%, or 29.99% Variable APR.
Annual fee:
$0

Why We Picked It ...

The Wells Fargo Active Cash stands out with its unlimited 2% cash rewards on all purchases, setting a competitive standard among flat-rate cash back cards without an annual fee.

Pros & Cons ...

Pros ✓

Unlimited 2% cash rewards on all purchases
No annual fee
Cell phone protection benefit

Cons ✘

Balance transfer fee applies
Foreign transaction fee
No travel transfer partners

Apply Now

On Wells Fargo's Website

BEST 0% INTRO APR CARD FOR CASH BACK MATCH

Discover it® Cash Back

Rating: ★★★★☆ (4.9/5)

Rewards
Earn 5% cash back on everyday purchases at different places each quarter like 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.
Welcome bonus
Cashback Match™ - Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:
0% for 15 months on purchases, then 17.24% - 28.24% Variable APR.
Annual fee:
$0

Why We Picked It ...

For those who actively engage with the 5% rotating categories and are mindful of the spending limits, this card offers significant rewards without an annual fee.

Pros & Cons ...

Pros ✓

5% cash back on activated quarterly rotating categories
End-of-first-year Cashback Match™
No minimum for cashback redemption

Cons ✘

$1,500 limit on 5% cash back per quarter
Quarterly activation required for bonus categories
1% base reward rate on non-category spending

Apply Now

On Discover's Website

BEST FOR FLEXIBLE REWARDS

Chase Freedom Unlimited®

Rating: ★★★★☆ (4.8/5)

Rewards
Initially, earn an extra 1.5% cash back on all purchases up to $20,000 in the first year. After that, earn 5% on travel purchased through Chase, and more.
Welcome bonus
Up to $300 cash back by taking advantage of the introductory offer.
Annual fee:
$0
Intro APR:
0% for 15 months on purchases, then 20.49% - 29.24% Variable APR.

Why We Picked It ...

This card is great for everyday spending, offering a low introductory APR, no annual fee, and a base cash-back rate of at least 1.5% on all purchases.

Pros & Cons ...

Pros ✓

Impressive welcome offer for a no-annual-fee card
At least 1.5% cash back on all purchases
No minimum redemption amount for cash back

Cons ✘

Foreign transaction fees apply
Higher balance transfer fee after introductory period
Requires another card to transfer points to travel partners

Apply Now

On Chase Bank USA, NA's Website

BEST 0% APR CARD FOR ANNUAL CREDITS

Blue Cash Preferred® Card from American Express

Rating: ★★★★☆ (4.8/5)

Rewards
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), and more.
Welcome bonus
Earn a $250 statement credit after spending $3,000 within the first 6 months.
Annual fee:
$0 intro annual fee for the first year, then $95.
Intro APR:
0% for 12 months on purchases and balance transfers, then 19.24%-29.99% Variable APR.

Why We Picked It ...

This card is perfect for those who spend significantly at U.S. supermarkets and gas stations, offering substantial cash back rewards.

Pros & Cons ...

Pros ✓

High cash-back rewards in several categories
Automatic cash back, no enrollment needed
Several travel benefits and protections

Cons ✘

Annual fee after the first year
6% cash back at U.S. supermarkets capped at $6,000 annually (then 1%)

Apply Now

On American Express's Website

BEST FOR 0% APR AND EARNING MEMBERSHIP REWARDS POINTS

Amex EveryDay® Preferred Credit Card *

Rating: ★★★★☆ (4.8/5)

Rewards
Earn 3X Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1X); Earn 2X points at US gas stations; 1 point per dollar spent on other purchases.
Welcome bonus
15,000 points after you spend $2,000 in purchases in the first 6 months of account opening.
Annual fee:
$95
Intro APR Purchase Period:
12 months
Regular APR:
18.24% - 28.24% variable
Credit Required:
Good/Excellent (700 - 749)

Why We Picked It ...

The Amex EveryDay® Preferred Credit Card shines for those who frequently spend on gas and supermarket purchases, with an opportunity to enhance point earnings by 50% each month when using the card at least 30 times.

Pros & Cons ...

Pros ✓

Flexible rewards program across various categories
Low expenditure threshold for welcome bonus
Earn 50% more points each month with 30+ transactions

Cons ✘

2.7% foreign transaction fee
$95 annual fee after the first year
Base rewards rate is modest without the transaction bonus

Apply Now

On American Express's Website

BEST 0% APR CARD WITH ROTATING CATEGORIES

Chase Freedom Flex℠

Rating: ★★★★☆ (4.8/5)

Rewards
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, plus 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining at restaurants, including takeout and eligible delivery services, and drugstores, and 1% on all other purchases.
Welcome bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
Annual fee:
$0
Intro APR Purchase Period:
15 months
Regular APR:
20.49% - 29.24% Variable
Credit Required:
Good/Excellent (700 - 749)

Why We Picked It ...

The Chase Freedom Flex℠ excels with its zero annual fee and dynamic earnings structure, covering a broad range of spending categories, including travel, dining, drugstores, and engaging rotating quarterly bonus categories.

Pros & Cons ...

Pros ✓

No annual fee
Diverse earning categories with high rewards rates
Rotating categories and travel bookings through Chase Ultimate Rewards® earn 5% cash back

Cons ✘

Requires activation for rotating categories
Travel must be booked through Chase to earn 5% back

Apply Now

On Chase Bank USA, NA's Website

Choosing the right 0% APR credit card can transform how you manage finances, especially for significant purchases or debt consolidation. A credit card with a 0% introductory APR period offers a chance to reduce your balance without the burden of interest. Our detailed guide to the best 0% APR credit cards helps you identify the ideal card for your financial situation.

Why Consider a 0% APR Credit Card?
0% APR credit cards provide an interest-free period for purchases or balance transfers, a smart way to save on interest costs. These cards are invaluable for managing high-interest balances or planning big buys, offering a strategy to align with your financial goals without added interest.

Key Features to Look For
In your quest for the perfect 0% APR credit card, examine the duration of the introductory offer, any balance transfer fees, and the ongoing APR after the intro period. Look for cards that also offer rewards like cash back, which can enhance the card’s value beyond just saving on interest.

Maximizing Your 0% APR Card
To fully benefit from your 0% APR credit card, strategize to pay off the balance before the intro period ends, avoiding future interest. Watch the card’s terms closely to steer clear of fees or penalties that might undermine the 0% offer’s advantages.

Conclusion
A 0% APR credit card offers a strategic way to handle purchases or debt without incurring interest. Comparing top 0% APR credit cards and employing them wisely can significantly forward your financial goals.

Dive into our guide for the leading 0% APR credit card options and begin saving on interest. Armed with the right card and a robust repayment plan, you can confidently navigate your financial path.

The content provided by Credit Card Guide is intended solely for educational purposes. Your unique financial circumstances may mean that the products and services discussed here are not suitable for you. It's important to note that we do not provide financial advice, nor do we offer any advisory or brokerage services. Furthermore, we do not endorse or recommend purchasing or selling specific stocks or securities. Please be aware that performance data is subject to change and that past performance does not guarantee future results.

Credit Card Guide is committed to upholding the highest standards of editorial integrity. To our best knowledge, all information presented is accurate as of the date of publication; however, we cannot guarantee that the offers described are still available. The views expressed on this site are solely those of the authors and have not received endorsement from our partners.