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Best 0% APR Credit Cards for Worry-Free Spending

Review Updated
Lyle Daly
Brittney Myers
By: Lyle Daly and Brittney Myers Our Credit Cards Experts
Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

What's better than taking that dream vacation, or finally getting that big ticket wish list item? Not having to pay for it right away; enter the 0% intro APR credit card!

These types of credit cards offer zero interest for an introductory period, meaning you don't rack up interest during a set period of time. The best no interest credit cards can give you up to 21 months with no interest on purchases and/or balance transfers, before you start accruing interest on your credit card balance.

Simplify your search for the best 0% intro APR credit cards

With plenty of options on the market, here's a highlight of our expert picks making it easy to cut through the noise.
Wells Fargo Active Cash® Card
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Great for: Unlimited cash back
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards
  • A standout cash back card that has no annual fee and comes with a competitive cash rewards welcome offer and 0% intro APR offer. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • Card perks
    • Free FICO® Score updates
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • 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.
Great for: Balance transfers and cash back
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

17.24% - 28.24% Variable APR

Rewards Circle with letter I in it. 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% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. N/A

Discover will match all the cash back you’ve earned at the end of your first year.
  • Get the best of both worlds with a great intro APR on balance transfers and valuable cash back rewards. Read Full Review

    • Great intro APR offer
    • Sign-up bonus offer
    • Robust cash back program
    • No annual fee
    • FICO® Score for free
    • No fixed bonus categories
    • 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.
    • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
    • 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.
    • No annual fee.
    • Terms and conditions apply.
Award Icon 2024 Award Winner
Great for: Long 0% intro APR
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0
  • A clear leader with a 0% intro APR offer that is among the longest we've come across. Read Full Review

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • 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.
Award Icon 2024 Award Winner
Great for: No Penalty APR or late payment fee
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

19.24% - 29.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.

Lower intro balance transfer fee
  • With a long 0% intro APR offer, no late fees, no annual fee, and no penalty rate, this card is an unmatched pick. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
    • Stay protected with Citi® Quick Lock.
Award Icon 2024 Award Winner
Great for: Cash back versatility with a big bonus
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

20.49%-29.24% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus
  • Checks all the boxes for a cash back credit card, with high cash back rates across several categories, a 0% intro APR, and a big sign-up bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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, and unlimited 1% 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!
    • 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 FlexSM card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC
Great for: Bonus cash back
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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.

20,000 ThankYou® Points
  • A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • 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.
    • 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.
Great for: Purchases and balance transfers
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 21 billing cycles on purchases billing cycles, and after that 18.74% - 29.74% (Variable).

Purchases: 0%, 21 billing cycles on purchases

Balance Transfers: 0%, 21 billing cycles

Regular APR

18.74% - 29.74% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A
  • With a generous intro APR offer for both balance transfers and purchases, this is one of the best low interest credit cards we've come across.
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.
U.S. Bank Visa® Platinum Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Expert Reviews of 0% APR Credit Card Offers

Let's take a deeper look at how to best leverage your 0% intro APR card for maximum benefit. Jump to a specific no interest credit card offer review:


Wells Fargo Active Cash® Card Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Wells Fargo Active Cash® Card not provided on the Wells Fargo site.

This is our award-winning pick for the best overall credit card out of the hundreds that we've analyzed.

This 0% APR credit card is best for:

  • Financing purchases while earning big rewards
  • Those who don't want a learning curve to make the most of this card

View more pros & cons of the Wells Fargo Active Cash® Card


Discover it® Balance Transfer Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Discover it® Balance Transfer not provided on the Discover site.

Many balance transfer cards are light on rewards, or don't offer them at all. That's not the case with this Discover card, which has one of the longest balance transfer offers as well as one of the best rewards programs.

This 0% APR credit card is best for:

  • Those who want a balance transfer card that can also earn cash back, while paying off credit card debt.
  • Users who want good customer service (Discover consistently ranks near the top of the J.D. Power studies).

View more pros & cons of the Discover it® Balance Transfer


Wells Fargo Reflect® Card Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Wells Fargo Reflect® Card not provided on the Wells Fargo site.

This is purely a 0% intro APR credit card, so other benefits are limited. Most notably, it doesn't have any sort of rewards program. That means no cash back or points, and no sign-up bonus for new cardholders.

This no interest credit card is best for:

  • Cardholders who need as much time as possible to pay off purchases
  • Those dealing with a large amount of credit card debt
  • If you have a sizable purchase to make

View more pros & cons of the Wells Fargo Reflect® Card


Chase Freedom Flex℠ Expert Review

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Chase Freedom Flex℠ not provided on the Chase site.

Cash back and a 0% intro APR are one of the best combinations you can get from a credit card. Those are two areas where this Chase credit card excels, as it's made for earning cash back bonuses and paying off purchases interest-free.

This no interest credit card is best for:

  • Maximizing your savings on costly expenses with a cash back program
  • A rewards card with no annual fee

View more pros & cons of the Chase Freedom Flex℠


Citi Custom Cash® Card Expert Review

Our rating: 5.00/5.00 stars. : 585 reviews give it 4.60/5 stars as of 1/26/24.

With 0% intro APR cards, the intro rate applies to any type of purchase you make. That's also the case with this Citi card, but it's unique in that it earns 5% back in your top eligible spend category (from a list of 10) every billing cycle, up to a spending cap of $500.

This no interest card is great for:

  • Consumers with high spending in a single category
  • Financing home improvement projects because home improvement stores are one of the eligible 5% back categories
  • Paying off concerts and other event tickets over time, as live entertainment is one of the 5% back categories

View more pros & cons of the Citi Custom Cash® Card


U.S. Bank Visa® Platinum Card Expert Review

Our rating: 4.50/5.00 stars. : 9,446 reviews give it 4.40/5 stars as of 1/26/24.

Not only will you have plenty of time to pay off your card's balance, you'll also be able to do it on your schedule, as U.S. Bank lets you pick the due date that works best for you.

This 0% APR credit card is best for:

  • Payment flexibility
  • Financing options with the U.S. Bank ExtendPay® Plan, as it allows you to divide eligible purchases into equal monthly payments
  • Credit monitoring

View more pros & cons of the U.S. Bank Visa® Platinum Card


Compare zero APR credit cards

The Picks
Card Rating Great For
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Unlimited cash back
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Balance transfers and cash back
Award Icon 2024 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Long 0% intro APR
Award Icon 2024 Award Winner
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: No Penalty APR or late payment fee
Award Icon 2024 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Cash back versatility with a big bonus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Bonus cash back
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For: Purchases and balance transfers
U.S. Bank Visa® Platinum Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

How to compare credit cards offering 0% APR

Most of the top 0% intro APR cards we've reviewed can be compared by these three features:
  • Type of intro offer: The best cards we've seen offer 0% APR on both purchases and balance transfers, but some may offer better terms for one over the other.
  • Length of the intro period: How long you can go without incurring interest will depend on the length of the introductory period. Most cards offer at least six months, but some extend it more than three times that long.
  • Purchase rewards: Many of the best no interest credit cards have lucrative sign-up bonuses or offer purchase rewards, most commonly cash back.

What will you use your no interest rate credit card for?

Credit cards offering 0% APR on purchases

    • If you're looking to finance a future purchase, you'll want a card with a great zero interest card offer on new purchases. The Wells Fargo Reflect® Card is built for this job, offering a long intro period that eclipses our other top picks. While the best no interest credit cards on purchases all have fantastic intro APR offers -- that's about all you get. These cards don't come with rewards or other perks that will make you want to keep them for the long haul.

Credit cards with zero interest on balance transfers

  • Our top pick here is also the Wells Fargo Reflect® Card thanks to its long zero interest introductory period and a low introductory balance transfer fee. If you want to compare your other options, those are the two main features to consider.

0% APR rewards credit cards

  • A good pick for most folks will be the Wells Fargo Active Cash® Card, which pairs a high flat rewards rate with a competitive introductory term. Many rewards credit cards also offer intro APR deals, so you can earn rewards and still save money on interest fees. Remember that you only earn rewards on new purchases. You won't earn cash back rewards on any transferred balances.
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How to maximize your 0% APR credit card
The best way to use 0% intro APR credit cards is use the interest-free period to finance a major purchase or refinance credit card debt. Make at least minimum monthly payments on time, and pay off your balance in full before the intro period ends. This will allow you to avoid interest entirely.

Is the best 0% APR credit card worth it?

Ideally, we'd all pay our credit card balances in full each month. But sometimes you just need a little more time. You can get that time -- without the high interest fees with a top 0% APR credit card. But make note, once the intro period ends, you'll start accruing interest at the go-to rate.

Credit cards with a 0% intro APR are useful if you want to avoid interest charges, either on purchases or balance transfers. Make sure to consider how long of a 0% APR period you need. Cards with the longest 0% introductory periods often offer just that -- long 0% APR periods -- but nothing else.If your specific needs are met with a somewhat shorter introductory APR period, you may be able to find a card that meets that need and provides rewards or cash back, for instance.
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When to get a credit card for 0% APR
If you have any costly purchases coming up that you can't pay for in full, a credit card with 0% intro APR could be the solution. You can stretch your payments out over the card's introductory period, and you'll avoid paying interest as long as you pay off your balance before it ends. But you do need to understand how zero interest credit cards work first, to avoid making any costly mistakes.

How do credit cards with 0% APR work?

On intro 0% APR credit cards, the intro APR on purchases is set to 0% for a limited period of time. That means you don't need to pay off your full credit card balance every month to avoid interest during the intro period, as you would with other credit cards.As an example, imagine you get the best 0% APR credit card with an intro 0% APR on purchases for 15 months. You use it to buy a new computer for $1,500. All you need to do is make the minimum payment every month. If you make payments of at least $100 per month toward that purchase, then you'll pay it off interest free.There are situations where you can be charged interest by your credit card company, even with a 0% credit card APR:
  • You don't make your minimum monthly payment. You're still required to make minimum payments on time. If you don't, the card issuer could cancel the intro 0% APR offer.
  • You use your credit card for other types of transactions. Most cards' 0% intro APR offers don't apply to cash advances.
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Opt for 0% APR credit cards with a lengthy intro period
Lessen your monthly payments with a lengthy intro period, like a 21 month no interest credit card. Make sure it doesn't charge an annual fee as that will eat into what you're saving on interest. Make it even better with the best credit card offers that have cash rewards or a welcome bonus.

Alternatives to no interest credit cards

Depending on your financial needs, interest free credit cards with 0% intro APR may not be the right choice. Here are the top alternatives to credit cards with a 0% intro APR.
  • Balance transfer credit cards: Refinance credit card debt by using 0% balance transfer credit cards. Make sure to weigh potential savings against any balance transfer fees. Our balance transfer calculator can help.
  • Credit cards with low interest: Low interest credit cards can help if you need more time to pay off debt. These cards offer ongoing low APRs on purchases and potential cash rewards.
  • Personal loans: Personal loans are also better for extended repayment periods with lower interest rates than credit cards.
  • Debt consolidation loans: These loans can be more versatile than a balance transfer card, because some balance transfer cards (but not all) can only be used for credit card debt.

FAQs

  • A 0% APR credit card doesn't charge interest on purchases for an introductory period. If you carry a balance from purchases during that time, you won't incur any interest charges. You are required to make minimum payments because if you don't, the card issuer may cancel the zero-interest offer.
  • Once the 0% APR offer ends, the credit card APR standard will apply to the current balance and new charges. This means you'll start paying the regular interest rate on any remaining balance you couldn't pay off before the end of the intro period. That's why it's highly recommended you pay off your entire balance before the end of the intro 0% APR offer.
  • The length of the intro period varies by card. Some credit cards offer a 0% intro APR for six months or less, but there are also intro 0% APR credit cards offering 18 months or longer without interest.
  • You can avoid paying credit card interest on the best 0% APR credit cards by paying off your entire balance before the introductory period ends. This can save you hundreds or thousands of dollars compared to what standard credit card interest rates would cost you.
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