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.
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.