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.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
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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.