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.
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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.
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’ picks

Great for smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR
    0%
    for 15 Months
  • Regular purchase APR
    14.99% - 24.99% Variable
  • Annual fee
    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

14.99% - 24.99% Variable

Annual fee

$0

Great for balance transfers††
Great for balance transfers††

Citi Simplicity® Card

  • Intro purchase APR
    0%
    for 12 Months
  • Regular purchase APR
    16.24% - 26.24% Variable
  • Annual fee
    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

16.24% - 26.24% Variable

Annual fee

$0

Great for travel rewards on a budget††
Great for travel rewards on a budget††

Bank of America® Travel Rewards credit card

  • Intro purchase APR
    0%
    for 15 Billing Cycles
  • Regular purchase APR
    14.74% - 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

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR
    0%
    for 15 Billing Cycles
  • Regular purchase APR
    14.74% - 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

My GM Rewards Card™

  • Intro purchase APR
    0%
    for 12 Months
  • Regular purchase APR
    15.74% - 25.74%*
    Variable
  • Annual fee
    None
Intro purchase APR

0% for 12 Months

Regular purchase APR

15.74% - 25.74%* Variable

Annual fee

None

Discover it® Cash Back

  • Intro purchase APR
    0%
    for 15 Months
  • Regular purchase APR
    13.49% - 24.49% Variable
  • Annual fee
    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

13.49% - 24.49% Variable

Annual fee

$0

GM Business Card™

  • Intro purchase APR
    0%
    for 12 Months
  • Regular purchase APR
    14.74% - 24.74%*
    Variable
  • Annual fee
    None
Intro purchase APR

0% for 12 Months

Regular purchase APR

14.74% - 24.74%* Variable

Annual fee

None

Great for bonus rewards on routine spending††
Great for bonus rewards on routine spending††

Discover it® chrome

  • Intro purchase APR
    0%
    for 15 Months
  • Regular purchase APR
    13.49% - 24.49% Variable
  • Annual fee
    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

13.49% - 24.49% Variable

Annual fee

$0

Wells Fargo Reflect℠ Card

  • Intro purchase APR
    0%
    for 18 Months*
  • Regular purchase APR
    14.49% - 26.49%*
    Variable
  • Annual fee
    $0
Intro purchase APR

0% for 18 Months*

Regular purchase APR

14.49% - 26.49%* Variable

Annual fee

$0

Wells Fargo Active Cash® Card

  • Intro purchase APR
    0%
    for 15 Months*
  • Regular purchase APR
    16.49%, 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

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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.