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14 Best 0% interest credit cards of October 2024

Updated October 04, 2024

Advertiser Disclosure: 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 and how we rate our cards.

14 Best 0% interest credit cards of October 2024

Updated October 04, 2024

Advertiser Disclosure: 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 and how we rate our cards.

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Showing 15 results

Best longest intro APR card

Wells Fargo Reflect® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Wells Fargo's secure site
See Rates & Fees

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

17.74%, 24.24%, or 29.49% Variable APR

Intro offer

N/A

Rewards rate

N/A

Best for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

$200

Rewards rate

1% - 8%

Why you'll like this: Few cards offer such high rewards rates in this many everyday bonus categories at such low cost.

Best for business purchases

Ink Business Unlimited® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
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

Earn $900 bonus cash back

Rewards rate

1.5%

Why you'll like this: 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

Citi Custom Cash® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Citi's secure site
See Rates & Fees

Purchase intro APR

0% for 15 months on purchases

Regular APR

18.74% - 28.74% (Variable)

Intro offer

$200

Rewards rate

1% - 5%

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

Best for travel

Capital One VentureOne Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

20,000 miles

Rewards rate

1.25 Miles - 5 Miles

Why you'll like this: 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 rotating bonus categories

Discover it® Cash Back

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Discover's secure site
See Rates & Fees

Purchase intro APR

0% for 15 months

Regular APR

17.74% - 27.74% Variable APR

Intro offer

Cashback Match

Rewards rate

1% - 5%

Why you'll like this: It blends a generous intro APR and welcome offer with long-term value from high rewards rates and category variety.

Best for everyday use

Blue Cash Everyday® Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

18.74%-29.74% Variable

Intro offer

Earn $200

Rewards rate

1% - 3%

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

Best for flexible spending

Chase Freedom Unlimited®

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
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

Up to $300 cash back

Rewards rate

1.5% - 5%

Why you'll like this: It combines an intro APR with a high base rewards rate and a handful of boosted categories, making it a great standalone option.

Best for simplicity

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

$200

Rewards rate

1.5% - 5%

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

Best for flat-rate rewards

Wells Fargo Active Cash® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Wells Fargo's secure site
See Rates & Fees

Purchase intro APR

0% intro APR for 12 months from account opening

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro offer

$200 cash rewards

Rewards rate

2%

Best for Bank of America customers

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Intro offer

$200

Rewards rate

1.5%

Why you'll like this: Thanks to the Preferred Rewards Program, this can be one the most lucrative flat-rate cash back cards available.

Best for families

Blue Cash Preferred® Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 12 months

APR

18.74%-29.74% Variable

Intro offer

Earn $250

Rewards rate

1% - 6%

Why you'll like this: It combines the best rewards rate available at U.S. supermarkets with strong rates and credits for other common purchases.

Best for flexible payment options

Citi® Diamond Preferred® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Citi's secure site
See Rates & Fees

Purchase intro APR

0% for 12 months on Purchases

Regular APR

17.74% - 28.49% (Variable)

Intro offer

N/A

Rewards rate

N/A

Why you'll like this: What the card lacks in rewards, it makes up for in perks and no annual fee.

Best for shopping

Bank of America® Customized Cash Rewards credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Bank of America's secure site

Intro offer

$200

Rewards Rate

1% - 3%

Annual fee

$0

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Why you'll like this: 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 low interest

BankAmericard® credit card

BankAmericard® credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)

Purchase intro APR

0% Intro APR for 18 billing cycles for purchases

Regular APR

15.74% - 25.74% Variable APR on purchases and balance transfers

Intro offer

N/A

Rewards rate

N/A

Why you'll like this: It offers a chance at one of the lowest ongoing APRs available on a balance transfer card.

compare
Compare

Compare Bankrate's top 0% intro APR credit cards

Card Name Our pick for
Balance Transfer Intro Offer
Purchase Intro Offer Ongoing APR
Bankrate score

Longest intro APR card

21 months 0% intro APR for 21 months from account opening on qualifying balance transfers
21 months 0% intro APR for 21 months from account opening
Regular APR: 17.74%, 24.24%, or 29.49% Variable APR

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Dining and entertainment

15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.99% - 29.99% (Variable)

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Business purchases
N/A
12 months 0% Intro APR on Purchases for 12 Months
Regular APR: 18.49% - 24.49% Variable

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

Commuters

15 months 0% for 15 months on balance transfers
15 months 0% for 15 months on purchases
Regular APR: 18.74% - 28.74% (Variable)

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Citi's secure site
Travel
15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.99% - 29.99% (Variable)

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site

Rotating bonus categories

 
15 months 0% for 15 months
15 months 0% for 15 months
Regular APR: 17.74% - 27.74% Variable APR

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Discover's secure site

Everyday use

15 months 0% on balance transfers for 15 months
15 months 0% on purchases for 15 months
Regular APR: 18.74%-29.74% Variable

4.6 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

Flexible spending 

15 months 0% Intro APR on Balance Transfers for 15 months
15 months 0% Intro APR on Purchases for 15 months
Regular APR: 20.49% - 29.24% Variable

4.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site
Simplicity
15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.99% - 29.99% (Variable)

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Flat-rate cash rewards
12 months 0% intro APR for 12 months from account opening on qualifying balance transfers
12 months 0% intro APR for 12 months from account opening
Regular APR: 19.74%, 24.74%, or 29.74% Variable APR

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Bank of America customers

15 billing cycles 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
15 billing cycles 0% Intro APR for 15 billing cycles for purchases
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site

Families

12 months 0% on balance transfers for 12 months
12 months 0% on purchases for 12 months
Regular APR: 18.74%-29.74% Variable

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

Flexible payment options

21 months 0% for 21 months on Balance Transfers
12 months 0% for 12 months on Purchases
Regular APR: 17.74% - 28.49% (Variable)

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Citi's secure site
Best for shopping
15 billing cycles 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
15 billing cycles 0% Intro APR for 15 billing cycles for purchases
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Image of BankAmericard® credit card
BankAmericard® credit card

Low interest

18 billing cycles 0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
18 billing cycles 0% Intro APR for 18 billing cycles for purchases
Regular APR: 15.74% - 25.74% Variable APR on purchases and balance transfers

How much can you save with a zero-interest card?

Credit card interest is the cost of borrowing money as a percentage of your credit card balance at the end of each billing cycle. It's one of the main ways that credit card companies make money. At the end of each billing cycle, the credit card issuer calculates your interest charges using your average daily balance, APR and the number of days in the billing cycle. 

How much interest you pay depends on the APR, which can be determined partly by your creditworthiness and federal interest rates. Knowing your card’s APR is crucial since rates have remained sky-high since August 2023. The current average interest rate is just less than 21 percent, and this high rate could easily accumulate hundreds of dollars in interest payments before you settle your balance, especially if you charge most of your purchases to a credit card.

Current credit card interest rates

With an intro APR offer, you can pay down your debt through lower payments without racking up additional interest. While the offer won’t last forever, it’ll give you a window that makes paying off your debt easier. With Bankrate’s credit card payoff calculator, the table below shows that an 18-month 0 percent APR offer could save you around $400 in interest on a $3,000 credit card balance.

APR With 3% balance transfer fee Monthly payment Total interest Total amount paid
20% for 18 months $3,000 $194 $497 $3,497
0% intro on balance transfers for 18 months $3,090 $167 $0 $3,090

How a Bankrate editor used his 0% APR card offer

Using an intro APR card can make it easier to cover large purchases, but you should do your best not to charge more than you’re sure you can pay off.

The Citi Custom Cash card and its intro APR on purchases helped Bankrate editor Brendan Dyer get used to adding a new car loan payment into his monthly budget.

“Shortly after I bought a car, I applied for the Citi Custom Cash card because it had an introductory APR offer I wanted to take advantage of alongside my new car loan. I used the card to buy groceries and, occasionally, gas. I never had a loan before, so making car payments was new to me. I wanted to get it over with as quickly as possible, or at least get far enough ahead on the loan that I could trim the overall interest I would pay on it.

The Citi Custom Cash card and its introductory APR offer let me carry a balance for all my regular purchases for a little more than one year while I focused on paying off my car. I knew I would eventually pay off my card balance before the offer period ended, but the intro APR gave me a safety net while I managed a new monthly car payment. It also helped me avoid a lot of interest on my car loan because I didn’t need to pay my card off right away and could keep paying down the principal on my loan.”

— Brendan Dyer, Editor, Bankrate

What’s the catch with 0% APR cards?

While an intro APR offer may sound too good to be true, when used wisely, it can be very helpful. These offers give you time to pay off purchases or reduce debts without paying any interest. This not only saves you hundreds but also gives you a solid timeline to pay off the debt.

Where it can become tricky is if you gain more debt than you can reasonably pay off. In that case, you’ll likely have a balance when the introductory APR offer ends and interest starts accruing. And zero interest doesn’t mean no payments. If you don’t make the minimum monthly payment on your card, you could void your zero-interest period and accrue interest immediately, possibly even gain a penalty APR.

So, if you think an intro APR will cause you to spend more or the balance transfer limit is too low for your current debt, it may be better to skip it.

Choosing a 0% APR card for purchases vs. balance transfers

While a zero-interest card is great for both, it can be better to focus on one more than the other to avoid falling into a cycle of debt. Either way, these APR offers can help you prevent your credit utilization from exceeding 30 percent and hundreds in high interest. 

Zero-interest cards are great when planning a large purchase, such as furniture or new tech. They give you plenty of time to plan and pay off debt. They’re also good for smaller purchases and getting used to a card’s features. Just make sure you stay aware of when the offer ends so you know when your interest starts to apply. You should pay off your balance completely so you get no interest charges.

It can be easier to plan how long it will take to pay down your debt as you have a clear timeline between 12 and 21 months. You can divide it evenly or focus on lowering your debt to a certain amount before the offer is over. If you find that you can’t pay off the full amount, the offer can still help decrease the overall debt. In this case, it’s best not to use the card for purchases, too, as it may leave you with more debt than what you started with.

What people say about 0% intro APR credit cards

Advice from other people who’ve used the cards you’re interested in is a great way to shop around for your next credit card. We explored what people had to say about the best zero-interest cards to give you more perspectives on your options. 

In the news: The Fed may cut interest rates in September

With the job market and inflation slowing down, the Federal Reserve may be looking to cut interest rates in September after holding steady in July. This comes after Federal Reserve Chair Jerome Powell warranted that either condition could result in rate cuts. 

While this is great news for cardholders and borrowers, it may be a while before the sting of high inflation subsides. Considering that, it’ll be best to wait until September to see what the Federal Reserve decides before applying for any new credit cards or making a large purchase that could be affected by a higher interest rate. 

In the meantime, you can double-check your credit score to ensure you have the best approval odds for whichever 0 percent APR card you apply for. You generally want to aim for good to excellent credit. You can also use tools such as CardMatch to check your odds for a 0 percent APR card.

Ask the experts: What are the best ways to avoid paying interest on a credit card?


Financial Educator, Debt and Credit

Whenever possible, pay off your credit cards every month. If you have a balance with a high interest rate, look for balance transfer opportunities and try to pay off the balance within the promotional rate time frame. If you have bad credit and are struggling to pay down your balance, look into a debt management plan through a nonprofit credit counseling agency. Some creditors offer as low as 0 percent through a debt management plan, and multiple monthly payments can be consolidated into one. On average, a debt management plan lasts four years, but there is no prepayment penalty if you are able to pay it off sooner. Keep in mind that a debt management plan will close the accounts you’re consolidating, so this isn’t something you want to do as a first option.

Contributor, Personal Finance

Hands down, the best way to avoid paying any interest is to set every one of your card accounts to auto-pay the full balance each month on or before the due date. This method to set it and forget it always works — as long as you’re never spending more than what is in your bank account.

Contributor, Credit Cards

I’m a big fan of the “pay as you charge” method. Make sure you have your bank’s app on your phone — it should be connected to your checking account. Then use your credit card for the things you want and can afford, and immediately pay off the balance at the end of the day. You’ll never pay another penny in interest, you’ll rack up the rewards (if your card has a rewards program) and you won’t face a big balance at the end of the month that you may be tempted to partially pay off.

Frequently asked questions about 0% APR credit cards

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