Zero Percent Credit Cards
A 0% introductory APR credit card could help you save on interest on a big purchase. Since these credit cards charge no interest for an introductory period, a 0% introductory APR card could be a great way to pay down your debt without also paying on interest. In addition to the introductory period, be mindful of the ongoing APR and any balance transfer fees before choosing a card. These are some of the most popular 0% credit cards from Credit Karma's partners.
- Unlimited 1.5% cash back on every purchase – it’s automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Redeem for cash – any amount, anytime
- Cash Back rewards do not expire as long as your account is open
- No annual fee
Pros & Cons
- Unlimited 1.5% cash back on every purchase
- Earn a bonus reward for initial spending
- No annual fee
- Foreign transaction fee
- No 5% cash back in rotating categories
Our Take
Chase Freedom UnlimitedSM offers great cash back rewards with no annual fee.
What to Like
With Chase Freedom UnlimitedSM, cardholders can earn unlimited 1.5% cash back on every single purchase, which is pretty cool. If you spend $500 on purchases in the first 3 months, you can also earn an additional $150 bonus. The rewards never expire as long as your account is open, there’s no annual fee and there’s also a 0% intro APR for 15 months on both purchases and balance transfers.
Look Out For
This card includes a 3% foreign transaction fee. Chase Freedom UnlimitedSM also doesn’t have 5% cash back in rotating categories, which is a feature of the standard Chase Freedom card.
- Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
- $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
- 0% Introductory APR for 15 months on purchases and balance transfers
- Monthly FICO® Score and Credit Dashboard for free
- No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
Pros & Cons
- 0% intro APR on purchases and balance transfers for 15 months
- No annual fee
- No Penalty APR
- Must make balance transfer in the first 60 days to avoid fee
- Foreign transaction fees
Our Take
Chase Slate® is a great option for consumers looking to transfer balances or take advantage of low introductory purchase rates.
What to Like
Chase Slate® offers a 0% intro APR on purchases and balance transfers for 15 months. With no balance transfer fee for the first 60 days after opening an account, consumers can save money when transferring a large balance. Chase Slate® also features no Penalty APR for missed payments.
Look Out For
After the first 60 days the balance transfer fee is 5% of the amount transferred or $5, whichever is greater, so you’ll want to get your transfers in early. There’s also a 3% fee on each foreign transaction.
Additional Zero Percent Credit Cards
- No annual fee
- $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- No changing categories and no expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Terms and Conditions apply.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
- Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Credit Card from American Express
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
- Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles don’t expire and there’s no limit to how many you can earn
* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.