Skip to Main Content

14 Best 0% interest credit cards of July 2024

Updated July 08, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

The best 0 percent APR credit cards help you avoid interest for up to 15 months or longer, so you may not see any interest charges until up to 2026. If you need as much time as possible, a few cards still offer intro APRs lasting up to 21 months — which may be wise to snap up sooner rather than later in case these periods shrink.

Though you’ll still need to make minimum payments, with the right strategy, a 0 percent APR card is among the best tools to pay off past debt or cover emergency expenses. To find the right card for you, check out our top picks.

Based on a Bankrate survey on credit card balances, 47 percent of consumers are carrying monthly credit card debt, often because of unexpected or emergency expenses. A 0 percent APR card can help you pay down debt over time, which is especially important since intro APRs have become shorter, and credit card interest rates are forecast to remain high in 2024.

Filter by:

Best longest intro APR card

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Intro offer

Info

N/A

Rewards rate

Info

N/A

Why you’ll like this card: It gives you more time to pay off debt and minimize interest than almost any other card.

Best for rotating bonus categories

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Purchase intro APR

0% for 15 months

Regular APR

18.24% - 28.24% Variable APR

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Why you’ll like this card: On top of its intro APR offer and cash back match at the end of the first year, it carries solid long-term value with high rewards rates and category variety.

Best for travel

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

20,000 miles

Rewards rate

Info

1.25 Miles - 5 Miles

Why you’ll like this card: It's one of the only no-annual-fee travel cards that offers an intro APR and lets you transfer miles to airline and hotel partners.

Best for flat-rate rewards

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Intro offer

Info

$200 cash rewards

Rewards rate

Info

2%

Why you’ll like this card: It boasts one of the best flat rewards rates you can get on a card with an intro APR.

Best for everyday use

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

19.24% - 29.99% Variable

Intro offer

Info

Earn $200

Rewards rate

Info

1% - 3%

Why you’ll like this card: It has great short- and long-term value since it offers both an intro APR and rewards on everyday spending.

Best for dining and entertainment

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Why you’ll like this card: Few cards offer such a high rewards rate on such a practical mix of everyday bonus categories, especially at no annual fee.

Best for simplicity

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Why you’ll like this card: Its streamlined rewards and solid intro APR offer make it a good starter cash back card.

Best for families

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Purchase intro APR

0% on purchases for 12 months

APR

19.24% - 29.99% Variable

Intro offer

Info

Earn $250

Rewards rate

Info

1% - 6%

Why you’ll like this card: It offers the best rewards rate available at U.S. supermarkets, a solid rate in other everyday categories and practical perks like streaming credits.

Best for Bank of America customers

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Intro offer

Info

$200

Rewards rate

Info

1.5%

Why you’ll like this card: The Preferred Rewards program can make this one of the most lucrative flat-rate cash back cards available.

Best for flexible spending

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

20.49% - 29.24% Variable

Intro offer

Info

Up to $300 cash back

Rewards rate

Info

1.5% - 5%

Why you’ll like this card: It offers an intro APR and a higher base rewards rate than most cards with multiple categories, so it’s a great standalone option.

Best for business purchases

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 12 Months

Regular APR

18.49% - 24.49% Variable

Intro offer

Info

Earn $750 bonus cash back

Rewards rate

Info

1.5%

Why you’ll like this card: You’ll earn valuable Chase points at a great flat rate and can free up cash flow with its intro APR offer (not always a given on business cards).

Best for commuters

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Purchase intro APR

0% for 15 months on purchases

Regular APR

19.24% - 29.24% (Variable)

Intro offer

Info

$200

Rewards rate

Info

1% - 5%

Why you’ll like this card: Its top rewards rate adapts to match your spending, giving you a shot at one of the best rates out there in several popular categories.

Best for shopping

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

$200

Rewards Rate

Info

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: It’s an ultra-flexible card thanks to its intro APR and mix of cash back categories, which you can swap out once per calendar month.

Best for flexible payment options

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Purchase intro APR

0% for 12 months on Purchases

Regular APR

18.24% - 28.99% (Variable)

Intro offer

Info

N/A

Rewards rate

Info

N/A