Credit Cards» 0% APR Credit Cards

0% APR Credit Cards

  • What are 0% APR credit cards?
  • How does the 0% offer work?
  • What are some pros and cons?
  • Tips on 0% APR cards

What are 0% APR credit cards?

Do you want a card that can save you some major cash on finance charges? These 0% APR cards from our partners offer no interest charges during an introductory period, allowing you to lower your monthly debt obligation

Use a balance transfer to consolidate all of your credit card debt onto one low-rate card or to spread out your payments on a large purchase. Browse and compare our extensive list of 0% APR credit cards to find one that suits your needs.

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How does the 0% offer work?

These cards offer a zero interest rate introductory period that can range from six to 18 months, occasionally longer. When the intro period is over, the rate rises to a standard APR.

What are some pros and cons?

In addition to the 0% APR introductory period, some cards offer rewards like cash back or airline miles. But on the downside, it's typically more difficult to qualify for one of these cards.

These cards are typically designed for and offered to those with good to excellent credit. If your credit is in poor standing, you may have trouble qualifying.

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Tips on 0% APR cards

Keep in mind that the introductory period offered with these cards is a temporary promotional period. Once the period is up, the rate resets to a standard APR, and you could potentially be charged a significantly higher interest rate on your balance. It's best to pay off your balance in full before the promotional period is up.

In addition, it's important to compare 0% APR cards thoroughly. Some of the best cards offer a long introductory period, a low post-intro rate, and no annual fee.

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Advertiser Disclosure

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

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Chase Freedom Unlimited®
on Chase's
secure website
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.24% - 24.99% Variable
$0
Excellent/Good
logo
Apply Now
HSBC Gold Mastercard® credit card
on HSBC's
secure website
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR
Intro APR
18 Months
Intro APR Period
0% Intro APR
Intro APR
18 Months
Intro APR Period
Variable APR Of 12.24%, 16.24% Or 20.24%
$0
Good/Excellent
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Blue Cash Everyday® Card from American Express
on American Express's
secure website
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 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, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.24%-25.24% Variable
$0
Excellent/Good
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Apply Now
Discover it® Cashback Match™
on Discover's
secure website
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
14 Months
Intro APR Period
0%
Intro APR
14 Months
Intro APR Period
13.24% - 24.24% Variable
$0
Excellent/Good
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Apply Now
The Amex EveryDay® Credit Card from American Express
on American Express's
secure website, or call
877-217-0904
  • 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 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 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.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.24%-25.24% Variable
$0
Excellent/Good
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Apply Now
Bank of America® Cash Rewards Credit Card
on Bank of America's
secure website
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Introductory APR On Purchases
Intro APR
12 Billing Cycles
Intro APR Period
0% Intro APR
Intro APR
12 Billing Cycles For Balance Transfers Made In The First 60 Days
Intro APR Period
14.24% - 24.24% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Apply Now
Chase Freedom®
on Chase's
secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.24% - 24.99% Variable
$0
Excellent/Good
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Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card
on Capital One's
secure website
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
9 Months
Intro APR Period
0% Intro On Balance Transfers
Intro APR
9 Months
Intro APR Period
14.24% - 24.24% Variable
$0
Excellent/Good
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Apply Now
Wells Fargo Platinum Visa® Card
on Wells Fargo's
secure website
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% variable APR; balance transfer fees apply
  • 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 Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
15 Months
Intro APR Period
0%
Intro APR
15 Months
Intro APR Period
16.40%-26.24% Variable
$0
Excellent/Good
logo
Apply Now
Chase Slate®
on Chase's
secure website
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • See monthly updates to your FICO® Score and the reasons behind your score for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.24% - 24.99% Variable
$0
Excellent/Good