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 balance transfers††
Great for balance transfers††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
18.99% - 29.74%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
18.99% - 29.74%* 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 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
19.74% - 29.74% (Variable)Annual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
19.74% - 29.74% (Variable)
Annual fee
$0
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
18.49% - 28.49%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
18.49% - 28.49%* Variable
Annual fee
$0
- Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Great for travelers who value flexibility††
Great for travelers who value flexibility††
Capital One VentureOne Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
19.74% - 29.74% (Variable)Annual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
19.74% - 29.74% (Variable)
Annual fee
$0
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Great for simplifying your debt††
Great for simplifying your debt††
BankAmericard® credit card
Intro purchase APR
0% for 21 Billing CyclesRegular purchase APR
15.99% - 25.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 21 Billing Cycles
Regular purchase APR
15.99% - 25.99%* Variable
Annual fee
$0
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
0% for 18 Billing CyclesRegular purchase APR
17.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 18 Billing Cycles
Regular purchase APR
17.99% - 27.99%* 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 APR
0% for 18 Billing CyclesRegular purchase APR
17.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 18 Billing Cycles
Regular purchase APR
17.99% - 27.99%* 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.
Great for cash back on a night out††
Great for cash back on a night out††
Capital One SavorOne Cash Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
19.74% - 29.74% (Variable)Annual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
19.74% - 29.74% (Variable)
Annual fee
$0
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
BankAmericard® credit card for Students
Intro purchase APR
0% for 21 Billing CyclesRegular purchase APR
15.99% - 25.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 21 Billing Cycles
Regular purchase APR
15.99% - 25.99%* Variable
Annual fee
$0
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
Great for maximizing cash back††
Great for maximizing cash back††
Discover it® Cash Back
Intro purchase APR
0% for 15 MonthsRegular purchase APR
16.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
16.99% - 27.99%* 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
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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.