
12 Best 0% APR Credit Cards of December 2023
Find a top zero-interest credit card in 2023 to help finance big purchases and manage debt without paying interest with Bankrate.
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Garrett Yarbrough writes credit card reviews, comparisons and guides for Bankrate. He specializes in all things credit cards, and he has comprehensively researched the current market and past product offers for more than three years. Garrett thoroughly analyzes credit card terms, rewards programs, introductory offers and other card features to provide readers with the most insightful steps toward personal financial growth. He has also written and researched for major Bankrate features, including the latest credit card points and miles valuations, the 2022 and 2023 Bankrate Awards, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ Approval Odds tool.
Prior to joining Bankrate, Garrett worked at an ad agency and as a freelancer writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Send your questions about credit cards to gyarbrough@redventures.com.
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Find a top zero-interest credit card in 2023 to help finance big purchases and manage debt without paying interest with Bankrate.
The Delta SkyMiles Platinum is a smart card to have if you fly frequently with Delta Air Lines.
Fingerhut doesn’t offer any appealing benefits or rates to persuade those with limited credit to shop or build credit with them over another issuer.
The Costco Anywhere Visa Card by Citi offers one of the industry’s highest payouts at the pump.
Merchant category codes can help consumers earn more with rewards credit cards.
We break down the best cards for business rewards and perks.
This card offers a valuable roster of benefits, but travel cards that require a bit more elbow grease may deliver more features.
Approval Odds helps you know which cards you’re most likely to be approved for.
The card may not offer the most benefits, but it features solid flat rate cash back of 1.5 percent and no annual fes, making it a wise choice for students looking to build credit.
The Bank of America-issued Alaska Airlines Visa credit card has a hallmark feature that's hard for other airline cards to top: its Alaska's Famous Companion Fare offer.
It’s worth considering the Quicksilver Secured if you want a low-cost way to boost your credit score while earning cash back with no annual fee.
With credits totaling more than the annual fee, the Hilton Honors American Express Aspire card offers tremendous value for those who prefer staying with Hilton.
Whether you’re a United enthusiast or someone who wants to rack up miles for free flights in any program, you should consider co-branded United MileagePlus credit cards.