In this article, I will discuss the best 0% interest credit cards available today. These cards offer valuable introductory APR periods, helping you save on interest while managing your finances.
Whether you’re transferring existing balances or making large purchases, these cards provide an excellent opportunity to pay off debt without accruing interest for a limited time.
Key Points & Best 0% Interest Credit Cards List
| Credit Card | Key Points |
|---|---|
| Chase Freedom Flex® | 0% intro APR for 15 months, 5% cash back on rotating categories, 3% on dining & drugstores, $0 annual fee |
| Discover it® Cash Back | 0% intro APR for 15 months, 5% cash back on rotating categories, Cashback Match in first year, $0 annual fee |
| Citi Simplicity® Card | 0% intro APR for 21 months, no late fees, no penalty APR, no rewards, $0 annual fee |
| Wells Fargo Reflect® Card | 0% intro APR up to 21 months, cellphone protection, no rewards, $0 annual fee |
| Capital One VentureOne Rewards | 0% intro APR for 15 months, 1.25x miles on every purchase, no foreign transaction fees, $0 annual fee |
| Blue Cash Everyday® (Amex) | 0% intro APR for 15 months, 3% cash back on groceries, gas, and online shopping, $0 annual fee |
| U.S. Bank Visa® Platinum | 0% intro APR for 21 months, no rewards, cellphone protection, $0 annual fee |
| BankAmericard® Credit Card | 0% intro APR for 18 months, no penalty APR, no rewards, $0 annual fee |
| Citi® Diamond Preferred® Card | 0% intro APR for 21 months, access to Citi Entertainment, no rewards, $0 annual fee |
| Chase Freedom Unlimited® | 0% intro APR for 15 months, 1.5% cash back on all purchases, 3% on dining & drugstores, $0 annual fee |
10 Best 0% Interest Credit Cards
1.Chase Freedom Flex®
Purchases and balance transfers on the Chase Freedom Flex® card come with an introductory 0% APR for the first 15 months, a great feature for people who would like to manage existing debt or finance a large purchase. T
his card stands out with its 5% cash back on rotating categories (required switch and limited to $1,500 per quarter), 3% back on dining along with drugstores, and 1% on all other purchases.
Furthermore, it covers purchases and comes with travel perks with Chase Ultimate Rewards®. For this card, there is no annual fee which makes it a great choice for those wanting to maximize rewards within the interest free period. Do keep in mind that the balance transfer fee is 3% for this card.
| Feature | Details |
|---|---|
| 0% Intro APR | 15 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (minimum $5) |
| Rewards | 5% cash back on rotating categories (activation required), 3% on dining & drugstores, 1% on other purchases |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Rotating cashback rewards, interest-free financing |
2.Discover it® Cash Back
The Discover it® Cash Back card helps you to pay down balances without any interest fees accruing as it has a 0% intro APR for 15 months on purchases and transposable balances.
These regular purchases give 5% cash back on rotating categories (activation needed) followed by 1% on all other purchases. A distinctive characteristic is Discover’s Cashback Match which gives users twice the amount of cash back earned in the first year.
They provide US based customer service, and there’s no annual fee. Free FICO score monitoring is handled by them as well. The categories can only be activated every three months, and there’s a 3% fee on balance transfers. Overall, it’s a great choice if cashback rewards are your goal, particularly when combined with a long interest-free period.
| Feature | Details |
|---|---|
| 0% Intro APR | 15 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (then up to 5%) |
| Rewards | 5% cash back on rotating categories (activation required), 1% on other purchases |
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Best For | Maximizing cash back with first-year Cashback Match |
3.Citi Simplicity® Card
This card is ideal for someone needing a long 0% intro APR, as it has $0 for the first 21 months on balance transfers and $0 for the first 12 months on purchases.
It’s great for anyone looking to transfer high interest balances and pay it off over time.
Like many other credit cards, Citi Simplicity offers no late fees or penalty APR, which is less stress for people who sometimes forget to pay on time.
On the other side, there are no rewards at all, meaning there’s no revenue from cashback or points. There’s also no annual fee, but the balance transfer fee is 3% or $5 minimum, so plan accordingly. In the long run, it’s a solid choice if debt is an issue and you want to manage it more efficiently.
| Feature | Details |
|---|---|
| 0% Intro APR | 21 months on balance transfers, 12 months on purchases |
| Balance Transfer Fee | 3% (minimum $5) |
| Rewards | None |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Longest balance transfer period, no late fees or penalty APR |
4.Wells Fargo Reflect® Card
Among the cards that offer 0% intro APR, the Wells Fargo Reflect® Card has one of the longest offers, giving up to 21 months for purchases and balance transfers (if payments are made on time). This makes it perfect for those wanting to finance big costs, or consolidate debt.
Although there are no cash back incentives, you can benefit from cellphone protection (when you pay the bill with the card) and you also have no annual fee to worry about.
The balance transfer fee is 3%. It doesn’t offer cashback or travel reward options, but the prolonged interest-free time makes it perfect for people who want to focus on debt management and large purchases without having to worry about paying interest straight away.
| Feature | Details |
|---|---|
| 0% Intro APR | Up to 21 months on purchases and balance transfers (with on-time payments) |
| Balance Transfer Fee | 3% (within 120 days, then up to 5%) |
| Rewards | None |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Longest 0% APR period, cellphone protection |
5.Capital One VentureOne Rewards Credit Card
If you like to travel a lot, the Capital One VentureOne Rewards Credit Card is for you since it combines a 0% intro APR for 15 months on purchases and balance transfers with travel rewards. It earns 1.25x miles per dollar on all purchases and you can redeem stored miles either by travel or transfer them to the host airline and hotel. No other international transaction fee adds to its value when traveling abroad.
Not charging an annual fee makes it a good option for premium travel cards. On the downside, the balance transfer fee is 3%, and the mileage rate is lower than some top-tier travel cards. It’s best suited for budget-conscious travelers looking to earn rewards while financing purchases interest-free.
| Feature | Details |
|---|---|
| 0% Intro APR | 15 months on purchases and balance transfers |
| Balance Transfer Fee | 3% |
| Rewards | 1.25x miles on all purchases |
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Best For | Travel rewards with no annual fee |
6.Blue Cash Everyday® Card from American Express
You will find the Blue Cash Everyday® Card from American Express offers 0% intro APR for 15 months on purchases and balance transfers, making it an excellent option for regular spending.
It gives 3% cashback on U.S. supermarket purchases (limited to $6,000 annually), 3% on gas from U.S. gas stations, and 3% on retail purchases made online, along with 1% on every other purchase.
It doesn’t have an annual fee, making it attractive for families and regular shoppers. Yet, the balance transfer fee does sit at 3%, and Amex is not so popular outside the United States.
Still, it stands as a superb cashback card for family costs considering the generous period without interest.
| Feature | Details |
|---|---|
| 0% Intro APR | 15 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (minimum $5) |
| Rewards | 3% cash back on U.S. supermarkets, gas stations, and online retail (up to $6,000 per year per category), 1% on other purchases |
| Annual Fee | $0 |
| Foreign Transaction Fee | 2.7% |
| Best For | Everyday spending on groceries, gas, and online shopping |
7.The U.S. Bank Visa® Platinum Card.
U.S. Bank Visa® Platinum Card, one gets to enjoy one of the longest, 0% intro APR for 21 months periods on purchases and balance transfers, making it ideal for those interested in debt consolidation or financing big purchases.
It doesn’t provide rewards and still has cellphone protection so long as the bill is paid with the card. Moreover, the card charges no annual fee but has a 3% balance transfer fee. For those wanting to save on interest, this is a splendid choice at hand. Probably not the best option for those who want rewards, but with these, it’s perfect for long-term financial flexibility.
| Feature | Details |
|---|---|
| 0% Intro APR | 21 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (minimum $5) |
| Rewards | None |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Longest 0% APR period, cellphone protection |
8.The BankAmericard® Credit Card
The BankAmericard® Credit Card offers 0% intro APR for 18 months available for purchases and balance transfers, which makes it a good ticket for lowering interest payments. Other competitors charge penalty APR, but this card does not incur penalty fees.
There are neither charges to annual fees nor balance transfer fees ($0 and 3%, respectively) along with cash and travel perks.
Users who put reward systems at the top of their priority are not going to benefit from this option, as there is no cashback.
However, these benefit free cards have a solid interest free period – working toward users’ maximum financial stability and low high interest fluctuations.
| Feature | Details |
|---|---|
| 0% Intro APR | 18 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (minimum $10) |
| Rewards | None |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Long 0% APR period, no penalty APR |
9.Citi® Diamond Preferred® Card
Citibank is Citi’s parent company, and with this card you can be eligible for 12 month offers on spending, as well as a balance order / 21 months at 0% interest.
The card earns interest and works toward accumulating it, so it does not qualify as a reward or cashback card because of its debts.
For event attenders, it’s a great option because it allows access to exclusive Citi Entertainment which caters to other non-financial interests. These event-friendly features, along with lack of annual fee make it positive.
But with ownership of this card comes a less favorable 5% balance transfer fee, compared to other credit facilities. Best suited for longer term plans where users shift their focus from rewards to other traits, especially when the aim is to receive a large figure loan or transfer existing debt.
| Feature | Details |
|---|---|
| 0% Intro APR | 21 months on balance transfers, 12 months on purchases |
| Balance Transfer Fee | 5% (minimum $5) |
| Rewards | None |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Long 0% APR period, access to Citi Entertainment |
10.Chase Freedom Unlimited®
Chase Freedom Unlimited® card, there are also no fees bound to balance transfers, as well as receiving flexible cashback perks.
Positive is the lifetime feature of 0% intro APR for 15 months and a bonus on dining, drug store purchases and traveling. Since there is no annual fee, its appraisal improves, particularly for everyday cashback cards.
Also, it comes with travel and purchase protection, which adds value over the rewards. The balance transfer fee is 3%, but for people who want non-stop rewards free of category limits, its serviceable cashback framework is great.
It works best for people looking to have interest-free periods on newly charged or transferred balances along with new purchase rewards.
| Feature | Details |
|---|---|
| 0% Intro APR | 15 months on purchases and balance transfers |
| Balance Transfer Fee | 3% (minimum $5) |
| Rewards | 1.5% cash back on all purchases, 3% on dining, drugstores, and travel |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Best For | Everyday spending with cashback rewards and interest-free period |
Conclusion
In conclusion , the top 0% interest credit cards can be very beneficial because it helps save interest while paying off purchases or balance transfers since these cards provide great introductory APR periods.
Regardless if you are seeking cashback, rewards, or long duration financing, these credit payment cards will help you manage your debt or finance big expenses with ease while having no annual fees making it the perfect choice.
