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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
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
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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.
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 September 2025. 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.
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We helped over 350,000 users compare 0% APR cards in 2023
We analyzed over 100 zero-interest cards
Over 47 years of experience helping people make smart financial decisions
Why choose Bankrate
We helped over 350,000 users compare 0% APR cards in 2023
We analyzed over 100 zero-interest cards
Over 47 years of experience helping people make smart financial decisions
The Bankrate Promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards .
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer is not available for this Wells Fargo credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
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.
N/A
What we love: This card from Wells Fargo offers one of the longest promotional interest offers on the market, has no annual fee and even comes with some useful cardholder perks. If you need as much time as possible to pay off your transferred balance or finance a large purchase, this is one of the best intro APR cards available.
Alternative: The Wells Fargo Active Cash® Card might have more long-term value, even if its intro APR offer is on the shorter side.
Pros
It has no annual fee, so cardholders don’t have to worry about offsetting a yearly cost.
This card comes with Credit Close-UpSM — a tool that can help you not only track your credit score every month, but also provides guidance on how to maintain or raise it with personalized credit insights.
Cons
The card comes with a 3 percent foreign currency conversion fee.
The card doesn’t offer traditional rewards, which limits its long-term value.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
$0 Annual Fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Cashback Match
Rewards rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
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.
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases - automatically.
What we love: This card not only offers a solid intro APR on purchases and qualifying balance transfers, but also a chance to rack up more first-year rewards value than competing cards thanks to its unique Cashback Match offer.
Alternative: The Chase Freedom Flex℠ carries similar intro APR offers and rotating categories, but may hold better long-term value since it boasts additional year-round bonus categories, including dining, drugstores and Chase travel.
Pros
The Discover it® Cash Back is light on fees and even forgives your first late payment (up to $41 late fee after).
Discover will match the amount of cash back you earn at the end of your first year.
Cons
You’ll need to enroll in and track quarterly rotating cash back categories to maximize rewards.
The intro APR offer is decent, but it’s not hard to find cards with lengthier offers.
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
20,000 miles
Rewards rate
5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.
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.
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles
1.25 Miles per dollar on every purchase, every day
What we love: This card is for people who need to pay off debt but want to use their card for travel in the future. Plus, the no-annual-fee Capital One VentureOne Rewards Card has a valuable welcome bonus in addition to a high rewards rate on hotel and rental car purchases made via Capital One Travel.
Alternative: The Discover it® Miles has a higher rewards rate than the VentureOne and lets you redeem rewards for travel or cash back without losing point value.
Pros
It has an easy-to-reach spending requirement for the welcome bonus.
The unlimited flat rewards rate makes it easy to earn miles on purchases toward your next trip.
Cons
It has a high APR range, with the lowest end only slightly below the average credit card interest rate.
Its perks don’t include some protections like trip cancellation or interruption insurance.
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
$200 cash rewards
Rewards rate
Earn unlimited 2% cash rewards on purchases.
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.
2%
Earn unlimited 2% cash rewards on purchases
What we love: People who want a long-term intro APR card with long-term value in the form of flat-rate cash rewards should get this card. The Wells Fargo Active Cash Card currently boasts one of the best flat cash rewards rates on the market. Plus, there’s no annual fee.
Alternative: The Citi Double Cash® Card also earns up to 2 percent cash back on all purchases (1 percent at purchase and 1 percent upon payment) and comes with a long intro APR on balance transfers.
Pros
You can take advantage of an easily attainable welcome bonus with a terrific rate of return.
Earns a great 2 percent cash rewards flat rate on purchases, giving the card long-term value.
Cons
There is a 3 percent foreign currency conversion fee, which will be disappointing to people who enjoy traveling abroad.
Some cardholders may find this card’s lack of perks disappointing.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
Rewards rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
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.
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
What we love: The Amex Blue Cash Everyday has a competitive intro APR offer for both purchases and balance transfers, making it a good choice for people who want a card that covers paying down debt and financing large purchases. Plus, it earns rewards in various categories that cover common household purchases.
Learn more:Is the Amex Blue Cash Everyday worth it? Alternative: The Bank of America® Customized Cash Rewards credit card offers both an intro APR and the flexibility to choose your own bonus category alongside groceries (including gas, online shopping and more). Meanwhile, the Blue Cash Preferred® Card from American Express carries a best-in-class rewards rate at U.S. supermarkets, so it could be more rewarding long term.
Pros
The Disney Bundle credit is a great perk that many families can take advantage of.
Its intro APR offer covers both purchases and balance transfers.
Cons
Other competing cash back cards offer longer intro APR offers.
There’s a spending cap per calendar year on your highest earning categories, which may limit your cash back potential.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
$200
Rewards rate
8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.
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.
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
What we love: Social butterflies and foodies who want a card with intro APR offers should find substantial rewards for eating out and eating in with the Capital One SavorOne Cash Rewards Credit Card.
Anyone looking for a flexible everyday rewards card might find this card can work as either a supporting card or standalone option.
The card touts a number of consumer-friendly terms, including no annual fee and no foreign transaction fees.
Cons
Compared to other rewards cards, the SavorOne has a high ongoing APR, so you may need to pay off your balance in full before the intro APR offer ends to maximize this card's value.
Cards from other issuers have better food-related perks that this card’s missing, such as complimentary DoorDash or Instacart+ subscriptions.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
$200
Rewards rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.
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.
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
What we love: If you're looking for low-maintenance, unlimited cash back rewards with a solid introductory APR offer on purchases and balance transfers, the Capital One Quicksilver Cash Rewards Credit Card might be for you. Factor in no annual fee and you have the potential for a low-cost addition to your wallet that remains valuable after the intro APR period ends.
Alternative: The Chase Freedom Unlimited® has the same flat rewards rate and a solid APR offer, but it comes with bonus categories to earn even more.
Pros
It’s a hassle-free cash back card with a solid intro APR and an easy-to-earn welcome bonus.
It has no reward minimum redemption threshold so you can redeem your cash back at any amount.
Cons
Following the introductory APR period, you could end up with a high variable APR based on creditworthiness.
It offers few perks outside the basic issuer benefits.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Earn $250
Rewards rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
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.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
What we love: Families that need some time to pay off a large expense can take advantage of a modest-yet-competitive intro APR and enjoy rewards on common household expenses with the Amex Blue Cash Preferred.
The base reward program is uber-lucrative, making this card a good choice for people looking for long-term value.
The card touts ancillary benefits, including purchase protection, return protection and an extended warranty.
Cons
Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.
The annual fee is an added cost that cuts into cardmembers’ cash back earnings.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
19.24% - 29.24% Variable APR on purchases and balance transfers
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
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.
1.5%
Earn unlimited 1.5% cash back on all purchases.
What we love: The intro APR offer with the Bank of America Unlimited Cash Rewards card can give you some relief on purchases and balance transfers, which is a feature you won’t find on every rewards card. The solid cash back rate on eligible purchases also means this card has plenty of value after the intro APR period.
Alternative: The Wells Fargo Active Cash Card offers a higher flat cash back rate on purchases.
Pros
The card has an easy-to-obtain welcome offer, which boosts the card’s short-term value.
Bank of America Preferred Rewards members with qualifying balances can boost their cash rewards earnings by 25 to 75 percent.
Cons
Other cards on the market have a longer intro APR period.
You can find better cash back rates on other reward cards and the Preferred Rewards boost requires high account balances that may be out of reach.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
Rewards rate
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.
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.
5%
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5%
1.5% on all other purchases
What we love: It boasts decent intro APRs on purchases and balance transfers while offering generous cash back rates in a handful of the most common spending categories like dining and travel. It also offers a decent flat rate for all other purchases. If you dine out often, shop at drug stores or travel occasionally, this can be a great card to keep in your wallet.
Alternatives: For the same intro APR offers and comparative rewards value, the Capital One SavorOne Cash Rewards Credit Card has a potentially lower ongoing APR, which might prove worthwhile if you carry a balance after your intro periods. Although you should aim to have all balances paid near the end of the offer period, a potentially lower ongoing APR could help you avoid high-interest debt.
Pros
Boosted rewards in key categories, a solid flat rate and an attainable welcome offer add to this card’s value as a great intro APR card.
Despite not charging an annual fee, it carries some complimentary perks like travel cancellation and interruption insurance.
Cons
Its flat cash back rate is lower than the standard flat rate other cards have, making it a less valuable card if you don’t spend frequently in its boosted categories.
You can find longer intro APR periods on other cards, which might be more valuable than the rewards you can earn with this one.
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!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn $750 bonus cash back
Rewards rate
Earn unlimited 1.5% cash back on every purchase made for your business.
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).
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
What we love: The Ink Business Unlimited card is a great option because of its impressive flat rate on day-to-day purchases. Plus, it comes with an intro APR period on those purchases. Business owners with personal Chase credit cards can also enjoy pooling rewards they earn with this card.
Alternative: The American Express Blue Business Cash™ Card is a solid alternative for small-business owners since it earns a flat 2 percent cash back rate on the first eligible $50,000 spent per year (then 1 percent back).
Pros
The flat rewards rate on this card makes it easy to earn on business spending.
You can take advantage of a decent intro APR offer on purchases with a chance at a low ongoing APR afterward.
Cons
With no intro APR on balance transfers, it's a poor choice if you have credit card debt you want to pay down interest-free.
Business cards with bonus categories could out-earn the Ink Business Unlimited.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
$200
Rewards rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.
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.
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
4%
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1%
Earn unlimited 1% cash back on all other purchases.
What we love: The Citi Custom Cash Card combines introductory APR offers with a boosted cash back structure that automatically adjusts to your highest eligible spend category each billing cycle. It’s a great hands-off cash back card even after the intro APR period ends.
This card offers a high cash back rate in one category every month, but applies it automatically to make it easy to earn rewards.
You can enjoy a relatively lengthy intro APR on balance transfers to help consolidate credit card debt.
Cons
Bonus rewards are subject to a spending cap, which could limit your rewards earnings.
You can’t transfer your points to any Citi travel partners unless you have another Citi card that offers point transfers.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
Rewards Rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
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.
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
This versatile cash back card should fit into most card strategies even after its intro APR offer ends. It’s an especially good card for people who want flexibility in where they earn rewards but frequently shop at wholesale clubs and grocery stores.
Pros
One of only cards that offers boosted rewards on purchases at wholesale clubs.
You can swap your choice category once per calendar month to maximize your cash back.
Cons
You’ll only earn a top rewards rate on your first $2,500 in quarterly spending, which can hold you back if you’re looking to earn rewards on large purchases.
You can get a longer intro APR period with other cards if you’re willing to forgo earning rewards.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best for low interest
BankAmericard® credit card
*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
*
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% Intro APR for 18 billing cycles for purchases
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Intro offer
Intro offer is not available for this Bank of America credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
N/A
Why you’ll like this card:It offers a chance at one of the lowest ongoing APRs available on a balance transfer card.
N/A
What we love: In addition to a competitive intro APR offer, the BankAmericard is one of the more cost-effective balance transfer cards available. The ongoing interest rate is lower than average and the card is more forgiving than others if you miss a payment.
Alternatives: The Discover it® Chrome and Citi Double Cash® Card carry respectable intro APR offers and should hold better long-term value thanks to their ongoing cash back.
Pros
There is no penalty APR, so you won’t get hit with a sky-high interest rate if you miss a payment.
The intro APR offer applies to both balance transfers and new purchases, meaning this card is also a great tool for financing a larger purchase.
Cons
With no rewards program, this card has limited long-term value after your intro APR ends.
You must complete your balance transfer within the first 60 days of account opening to qualify for the intro offer.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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: 19.24% - 29.24% Variable APR on purchases and balance transfers
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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: 19.24% - 29.24% Variable APR on purchases and balance transfers
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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: 16.24% - 26.24% Variable APR on purchases and balance transfers
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 take his time paying off unexpected expenses and more confidently fold loan payments 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.”
How much could you save with a zero-interest card?
Although we probably won’t see further rate hikes soon, knowing your card’s APR is crucial since rates have remained at sky-high since August 2023. The current average interest rate is around 20 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 the card.
Current credit card interest rates
While the changes seem small on the surface, they can add up. Even a small change can make a difference in how long it takes to pay off your credit card balance.
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.
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.
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.
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.
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.
Many Redditors in the r/CreditCards community routinely recommend the following cards for intro APR offers:
Although credit card APRs are especially high right now, remember that you won’t have to pay interest if you don’t carry a balance. One of the most popular posts in the r/CreditCards subReddit within the past year is about this golden rule of credit card ownership: “All credit cards are 0 [percent] APR … if you pay your statement balances in full monthly.” A user in this thread makes a great analogy for how important this responsibility is:
“Treat a credit card bill like any utility bill. You wouldn't pay off 1 [percent] of your electricity bill every month, so don't do it with a credit card.”*
The best zero-interest card will be the one that fits best into your financial situation, whether you’re using one to finance upcoming expenses or manage any existing credit card debt. However, it could be worth considering a card with more long-term value than just long intro APR offers, based on recent online discussion.
In a myFICO forum for planning a 2024 credit card strategy, several users prioritized paying down their debt and preparing for potential major expenses. One user is adjusting their credit card strategy to find cards with long-term value due to rising costs in the current card economy. Because costs are increasing, cash back is going to be more important than ever, they commented. And they said that they’ll more strongly consider zero-interest cards with cash back welcome offers.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Our data: Bankrate’s most popular zero interest credit cards
We dug into our proprietary data to identify Bankrate’s most popular 0 percent intro APR credit card offers in 2023.
An average of 18 percent of Bankrate users clicked on these three credit cards:
These cards feature some of the longest intro APR offers available, but they may be tough to qualify for without an excellent credit score. Plus, there may not be as much long-term value once the introductory period ends. In fact, our data suggests that it may be much easier to get a rewards card with a shorter intro APR offer than cards that carry best-in-class intro APR offers.
For example, in 2023, 10 percent more Bankrate users were approved for a popular cash back card with a 15-month intro APR offer than for any of the cards mentioned above. On the plus side, many cards make up for their shorter intro APR periods with rewards. Consider this as you shop for a 0 percent intro APR card: You may have to give up a few months of 0 percent intro APR if you want a card that earns rewards, but the card will have more long-term value.
Frequently asked questions about 0% APR credit cards
Credit card interest is the cost of borrowing money in the form of 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. You won’t have to pay interest on your purchases if you pay your balance off each cycle. If you still have a balance on your credit card past the grace period of a billing cycle, the credit card issuer will tack on your interest charges for that cycle.
How much interest you pay depends on the APR you qualify for when you are approved for a card, determined partly by your creditworthiness. 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.
A good credit score (FICO score between 670 and 739) would give you a solid chance to qualify for a 0 percent APR credit card, and an excellent credit score would give you the best approval odds and rates. You can estimate your approval odds — and potentially find preapproved card offers — through Bankrate’s CardMatch tool if you want an extra vote of confidence.
When your 0 percent intro APR offer ends, the card’s regular, ongoing interest rate will apply to any future balance you carry month to month. For example, if your intro APR period is over and you still have a balance of $200 on your card, your next credit card statement will show that you owe $200 plus any additional interest you’ve gained.
All of the longest intro APR offers on the market currently hover around 21 months. However, these lengthy offers have become harder to find.
The U.S. Bank Visa Platinum Card offers a 0 percent intro APR for 21 billing cycles on purchases and qualifying balance transfers. The ongoing variable APR is 18.74 percent to 29.74 percent thereafter.
The Wells Fargo Reflect Card offers a 0 percent intro APR for 21 months on purchases and qualifying balance transfers. Balance transfers made within 120 days qualify for the intro rate (with a balance trasnfer fee of 5 percent or a minimum of $5). The ongoing variable APR is 18.24 percent, 24.74 percent or 29.99 percent thereafter.
The Citi® Diamond Preferred® Card has a 0 percent intro APR for 21 months on balance transfers made within four months of account opening, then 18.24 percent to 28.99 percent variable APR. On the other hand, its 0 percent intro APR on purchases only lasts 12 months.
The Citi Simplicity® Card also has a lengthy 0 percent intro APR for 21 months on balance transfers, then 19.24 percent to 29.99 percent variable APR. However, its 0 percent intro APR on purchases is also limited to 12 months.
No, the two are very different. With deferred interest, interest starts to build when you open the account but is forgiven once you pay off the charges in the specified time period. If you don't pay them off before the deadline, however, the interest that's been building up is added to your balance.
A 0 percent intro APR credit card won't charge interest retroactively this way, although the card's standard APR will apply on any balance carried over after the introductory offer expires.
For credit cards, there isn't any difference between the interest rate and APR. The two terms are interchangeable. However, these two terms are not interchangeable for other types of loans like mortgages where they each carry a different definition and application.
Up next:
What is APR on a credit card?
What happens when your 0% intro APR period ends?
What is a purchase APR?
Why do I owe interest on a 0% APR credit card?
What does 0% APR mean?
How we assess the best zero-interest credit cards
100+
card ratings
400+
APRs tracked
3000
data points analyzed
40+
perks evaluated
When evaluating the best zero-interest cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders.
A “zero-interest” designation can apply to several different types of card, each best suited to a different type of cardholder. Some users may need to finance purchases or carry a balance long term, others may need as much time as possible to chip away at debt and still others would love an intro APR but mostly want to maximize a card’s long-term value via rewards.
Here’s a quick look at our card rating methodologies vary based on card type, with most “zero-interest” cards landing in a primary scoring category of Balance Transfer, Low-Interest or Rewards.
For balance transfer and low-interest cards, our scoring breaks down as follows:
5
Rating: 5 stars out of 5
Overall Score
Rates and fees80%
Perks10%
Customer experience10%
For rewards cards, the breakdown looks quite different:
5
Rating: 5 stars out of 5
Overall Score
Value65%
Flexibility15%
Perks15%
Customer experience5%
We analyzed over 100 of the most popular zero-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup.
Here are some of the key factors that we considered:
The primary factor in a balance transfer or low-interest card’s rating and its inclusion in our list is the quality of its introductory APR offer and ongoing APR. This includes both the introductory rate itself and the length of the intro APR promotional on both balance transfers and new purchases.
For cards designed primarily for balance transfers, the intro APR offer on balance transfers has the largest impact on overall score. The quality of these cards’ intro APR on new purchases is also considered, but holds less weight than the intro APR on balance transfers.
For general low-interest cards, the intro APR offer on new purchases has the largest impact on overall score, followed by the ongoing APR and intro APR offer on balance transfers. This weighting assumes cardholders considering a card in this category will prioritize payment flexibility on new purchases or may need to carry a balance long term, whereas cardholders trying to pay off debt will opt for a dedicated balance transfer card.
The cards that score the highest in these categories and are most likely to be included in our list tend to offer long 0 percent intro APRs on both balance transfer and new purchases as well as a lower-than-average low-end APR.
Here’s a closer look at how a card’s rates, fees and intro APR periods are evaluated in our rating methodology:
Balance transfer card rates & fees scoring
5
Rating: 5 stars out of 5
Overall Score
Intro APR and offer length for balance transfers45%
Intro APR and offer length for new purchases18%
Balance transfer, annual and other fees22%
Ongoing APR15%
Low-interest card rates & fees scoring
5
Rating: 5 stars out of 5
Overall Score
Intro APR and offer length for new purchases40%
Ongoing APR35%
Intro APR and offer length for balance transfers13%
Balance transfer, annual and other fees12%
Along with evaluating each card’s intro APR offers, we score balance transfer and low-interest cards based on their fees.
Of primary importance is a card’s balance transfer fee, since this can play a large role in the total cost of a balance transfer. We rate each card’s balance transfer fee based on how it stacks up against the fee you’ll find on competing cards.
While this fee carries less weight when we assess general low-interest cards than dedicated balance transfer cards, it still factors into our evaluation since cardholders may decide to transfer debt to a low-interest card even if it offers no intro APR or an intro APR higher than 0 percent.
And while a lower balance transfer fee could save you more overall than a few extra months of 0 percent APR, this fee carries less weight in our scoring system than a card’s introductory APR and intro APR period. This is because many users prioritize getting as much time as possible to pay off debt while avoiding interest.
Other fees considered in our assessment include the presence of annual, foreign transaction, cash advance and late payment fees, along with penalty APRs. Annual fees are weighted most heavily since these are the only “unavoidable” fees in the list and tend to be less common on dedicated balance transfer and low-interest credit cards.
While getting a generous intro APR offer and low ongoing APR are likely to be the biggest priorities for someone looking for a low-interest or balance transfer card, we also consider how much value a card can offer after its intro APR comes to an end.
Balance transfer and low-interest cards receive a higher rating and are more likely to be included in our list of best cards if they also include an ongoing rewards program or unique and valuable perks. Such features make a card more useful long term and make it less likely you’ll need to apply for a new card (and temporarily hurt your credit score) after you pay off debt.
With this in mind, our best cards list often includes a number of rewards and cash back cards alongside dedicated balance transfer cards. These cards tend to offer slightly shorter intro APR periods, but could help you save more overall, either via rewards earned on everyday spending, valuable perks or a lower balance transfer fee.
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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information about the Chase Freedom Flex℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card,…
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at…
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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.
