0% APR credit cards
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CK Editors’ Tips††: Cards with 0% APR offers can be great ways to pay off existing debt and avoid immediate interest charges on new purchases. Look for an intro APR period that’s long enough to allow you to manage your situation effectively.Read more
What to consider when choosing a 0% APR credit card
The most important feature to consider when finding a 0% APR credit card is the length of the intro APR period — it’s likely to determine if you’re able to pay off your balances without seeing interest charges. It’s also important to check the fine print because 0% APR offers can come with complicated rules. For instance, paying late may cause you to lose your interest offer.
The most important feature to consider when finding a 0% APR credit card is the length of the intro APR period — it’s likely to determine if you’re able to pay off your balances without seeing interest charges. It’s also important to check the fine print because 0% APR offers can come with complicated rules. For instance, paying late may cause you to lose your interest offer.
How we picked the best 0% APR credit cards
We chose the best 0% APR credit cards by focusing on cards that offer relatively long intro periods for purchases, balance transfers or both. In some cases, cards feature the same 0% APR period length for both purchases and balance transfers, but we didn’t limit ourselves to only those cards. We also picked several cards that offer ongoing rewards value after the end of the intro APR period because you may want a reason to keep your card open once you’re no longer focusing on managing interest. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe chose the best 0% APR credit cards by focusing on cards that offer relatively long intro periods for purchases, balance transfers or both. In some cases, cards feature the same 0% APR period length for both purchases and balance transfers, but we didn’t limit ourselves to only those cards. We also picked several cards that offer ongoing rewards value after the end of the intro APR period because you may want a reason to keep your card open once you’re no longer focusing on managing interest. Read more about our methodology for picking the best credit cards.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
- Intro purchase APR0%for 15 Months
- Regular purchase APR14.99% - 24.99% Variable
- Annual fee$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
14.99% - 24.99% Variable
Annual fee
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
Great for balance transfers††
Great for balance transfers††
Citi Simplicity® Card
- Intro purchase APR0%for 12 Months
- Regular purchase APR16.24% - 26.24% Variable
- Annual fee$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
16.24% - 26.24% Variable
Annual fee
$0
- 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 16.24% - 26.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for travel rewards on a budget††
Great for travel rewards on a budget††
Bank of America® Travel Rewards credit card
- Intro purchase APR0%for 15 Billing Cycles
- Regular purchase APR14.74% - 24.74%*Variable
- Annual fee$0
Intro purchase APR
0% for 15 Billing Cycles
Regular purchase APR
14.74% - 24.74%* Variable
Annual fee
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for flexible cash back††
Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
- Intro purchase APR0%for 15 Billing Cycles
- Regular purchase APR14.74% - 24.74%*Variable
- Annual fee$0
Intro purchase APR
0% for 15 Billing Cycles
Regular purchase APR
14.74% - 24.74%* Variable
Annual fee
$0
- $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.
My GM Rewards Card™
- Intro purchase APR0%for 12 Months
- Regular purchase APR15.74% - 25.74%*Variable
- Annual feeNone
Intro purchase APR
0% for 12 Months
Regular purchase APR
15.74% - 25.74%* Variable
Annual fee
None
- NEW! The only U.S. co-branded card that offers unlimited 4x points on all purchases, with no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
Discover it® Cash Back
- Intro purchase APR0%for 15 Months
- Regular purchase APR13.49% - 24.49% Variable
- Annual fee$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
13.49% - 24.49% Variable
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
GM Business Card™
- Intro purchase APR0%for 12 Months
- Regular purchase APR14.74% - 24.74%*Variable
- Annual feeNone
Intro purchase APR
0% for 12 Months
Regular purchase APR
14.74% - 24.74%* Variable
Annual fee
None
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle, with no annual fee.*
- Get $500 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first 3 months from account opening.*
Great for bonus rewards on routine spending††
Great for bonus rewards on routine spending††
Discover it® chrome
- Intro purchase APR0%for 15 Months
- Regular purchase APR13.49% - 24.49% Variable
- Annual fee$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
13.49% - 24.49% Variable
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Wells Fargo Reflect℠ Card
- Intro purchase APR0%for 18 Months*
- Regular purchase APR14.49% - 26.49%*Variable
- Annual fee$0
Intro purchase APR
0% for 18 Months*
Regular purchase APR
14.49% - 26.49%* Variable
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria
- 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, consisting of 0% intro APR for 18 months from account opening and an intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% 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
Wells Fargo Active Cash® Card
- Intro purchase APR0%for 15 Months*
- Regular purchase APR16.49%, 21.49%, or 26.49%*Variable
- Annual fee$0
Intro purchase APR
0% for 15 Months*
Regular purchase APR
16.49%, 21.49%, or 26.49%* Variable
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.