Trying to avoid interest on major purchases or pay off other credit card balances with a temporary reprieve from interest charges? 0% APR credit cards deliver the flexibility you need to manage your finances wisely. With zero interest credit cards, you can enjoy interest-free purchases, balance transfers — or both — for an introductory period of around 12 to 18 months, depending on the card you choose, before the regular APR applies.
Along with generous 0% intro APRs, the best 0% APR credit cards also offer plenty of perks. Most have sign-up bonuses, plus various cash back and rewards programs that you’ll enjoy long after the intro APR period runs out. With so many variables, it can be tough deciding which 0% APR credit card is best for you both in the short term and after the 0% APR period has ended.
In our 0% APR credit card reviews, Bankrate experts rank the best 0% APR credit cards for 2021 based on several factors. Our experts examined the length of 0% APR periods, balance transfer fees, standard and penalty APRs, and overall savings potential for consumers. In the credit card reviews below, you can compare both 0% intro and regular APR rates for each card, explore various cardmember perks and programs and find expert recommendations for specific needs.
Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants’ credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
Featured card comparisons
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.