15 Best 0% interest credit cards of January 2025
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- Chase Freedom Unlimited®: Best for shopping
- Wells Fargo Reflect® Card: Best for long intro APR
- Capital One Savor Cash Rewards Credit Card: Best for dining
- Discover it® Cash Back: Best for rotating bonus categories
- Blue Cash Preferred® Card from American Express: Best for families
- Blue Cash Everyday® Card from American Express Card: Best for everyday use
- Capital One VentureOne Rewards Credit Card: Best for travel
- Wells Fargo Active Cash® Card: Best for flat-rate rewards
- Citi® Diamond Preferred® Card: Best for flexible payments
- Ink Business Unlimited® Credit Card: Best for business purchases
- Bank of America® Unlimited Cash Rewards credit card: Best for Bank of America customers
- Capital One Quicksilver Cash Rewards Credit Card: Best for simplicity
- The Bank of America® Customized Cash Rewards credit card: Best for flexibility
- BankAmericard® credit card: Best for low interest
- Citi Custom Cash® Card: Best for commuters
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Showing 14 results
Purchase intro APR
0% Intro APR on Purchases for 15 months
Regular APR
19.49% - 28.24% 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.
Purchase intro APR
0% intro APR for 21 months from account opening
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro offer
N/A
Rewards rate
N/A
Why you'll like this: It has an enviable APR offer, great cellphone protection, and a potentially low ongoing interest rate.
Best for dining
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
19.24% - 29.24% (Variable)
Intro offer
Earn $200 Cash Back
Rewards rate
1% - 8%
Why you'll like this: Few cards offer such high rewards rates in so many everyday bonus categories at such low cost.
Best for rotating bonus categories
Purchase intro APR
0% for 15 months
Regular APR
18.24% - 27.24% 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 families
on American Express's secure site
See Rates & Fees, Terms ApplyPurchase intro APR
0% on purchases for 12 months
APR
18.24%-29.24% 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 everyday use
on American Express's secure site
See Rates & Fees, Terms ApplyPurchase intro APR
0% on purchases for 15 months
APR
18.24%-29.24% 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 good rewards on everyday spending.
Best for travel
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
19.24% - 29.24% (Variable)
Intro offer
Earn 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.
Purchase intro APR
0% intro APR for 12 months from account opening
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Intro offer
$200 cash rewards
Rewards rate
2%
Best for business purchases
Purchase intro APR
0% Intro APR on Purchases for 12 Months
Regular APR
17.49% - 23.49% Variable
Intro offer
Earn $750 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 Bank of America customers
Cardholder rating
Purchase intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% 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 simplicity
Cardholder rating
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
19.24% - 29.24% (Variable)
Intro offer
Earn $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 flexibility
Cardholder rating
Intro offer
$200
Rewards Rate
1% - 3%
Annual fee
$0
Regular APR
18.24% - 28.24% 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.
Purchase intro APR
0% Intro APR for 18 billing cycles for purchases
Regular APR
15.24% - 25.24% 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.
Purchase intro APR
0% for 15 months on purchases
Regular APR
18.24% - 28.24% (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.
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