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14 Best 0% interest credit cards: 0% intro APR period until 2025

Updated May 08, 2024

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

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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BEST LONGEST INTRO APR CARD
Rating: 4.3 stars out of 5
4.3
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Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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0% intro APR for 21 months from account opening

Purchase intro APR

Regular APR

N/A

Intro offer

Info

N/A

Rewards rate

Info

Annual fee

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Best for flat-rate cash rewards
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro APR for 15 months from account opening

Purchase intro APR

Regular APR

Intro offer

Info

2%

Rewards rate

Info

Annual fee

BEST FOR TRAVEL REWARDS
Rating: 4.1 stars out of 5
4.1
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Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
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Recommended Credit

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.25 Miles - 5 Miles

Rewards rate

Info

Annual fee

Info
BEST FOR EVERYDAY USE
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
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0% on purchases for 15 months

Purchase intro APR

APR

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

Best for rotating bonus categories
Rating: 4.4 stars out of 5
4.4
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Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 5%

Rewards rate

Info

Annual fee

Info
Best for dining and entertainment
Rating: 5 stars out of 5
5.0
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Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 8%

Rewards rate

Info

Annual fee

Info
BEST FOR COMMUTERS
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% for 15 months on purchases

Purchase intro APR

Regular APR

Intro offer

Info

1% - 5%

Rewards rate

Info

Annual fee

Info
BEST FOR FAMILIES
Rating: 4.4 stars out of 5
4.4
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Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
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0% on purchases for 12 months

Purchase intro APR

APR

Intro offer

Info

1% - 6%

Rewards rate

Info

Annual fee

BEST FOR FLEXIBLE SPENDING
Rating: 4.8 stars out of 5
4.8
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Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% Intro APR on Purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

BEST FOR active military and veterans
Rating: 3.1 stars out of 5
3.1
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Apply now Lock
on USAA's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% intro APR for 15 months on purchases, then 17.15% to 31.15% variable regular APR

Purchase intro APR

Regular APR

N/A

Intro offer

Info

1.5% cash back

Rewards rate

Info

Annual fee

Info
Best for Bank of America customers
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% Intro APR for 15 billing cycles for purchases

Purchase intro APR

Regular APR

Intro offer

Info

1.5%

Rewards rate

Info

Annual fee

Info
Best for simplicity
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Best for business purchases
Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% Intro APR on Purchases for 12 Months

Purchase intro APR

Regular APR

Intro offer

Info

1.5%

Rewards rate

Info

Annual fee