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 simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card

Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Great for a long balance transfer offer††
Citi Simplicity® Card
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Citi Simplicity® Card

Great for a long balance transfer offer††

Citi Simplicity® Card

  • Intro purchase APR

    0% for 12 Months
  • Regular purchase APR

    19.24% - 29.99%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

19.24% - 29.99%* Variable

Annual fee

$0

Great for smaller purchases††
Citi Rewards+® Card
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Citi Rewards+® Card

Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    18.74% - 28.74%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

18.74% - 28.74%* Variable

Annual fee

$0

Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
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Bank of America® Travel Rewards credit card

Great for travel rewards with no annual fee††

Bank of America® Travel Rewards credit card

  • Intro purchase APR

    0% for 15 Billing Cycles
  • Regular purchase APR

    18.24% - 28.24%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles

Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

$0

Great for high flat-rate cash back††
Citi Double Cash® Card
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Citi Double Cash® Card

Great for high flat-rate cash back††

Citi Double Cash® Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    19.24% - 29.24%* Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

19.24% - 29.24%* Variable

Annual fee

$0

Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
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Bank of America® Customized Cash Rewards credit card

Great for choosing your top category††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR

    0% for 15 Billing Cycles*
  • Regular purchase APR

    18.24% - 28.24%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

$0

Great for high cash back rates††
Capital One SavorOne Cash Rewards Credit Card
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Capital One SavorOne Cash Rewards Credit Card

Great for high cash back rates††

Capital One SavorOne Cash Rewards Credit Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Great for students who fly††
Bank of America® Travel Rewards credit card for Students
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Bank of America® Travel Rewards credit card for Students

Great for students who fly††

Bank of America® Travel Rewards credit card for Students

  • Intro purchase APR

    0% for 15 Billing Cycles
  • Regular purchase APR

    18.24% - 28.24%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles

Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

$0

Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
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Wells Fargo Active Cash® Card

Great for high flat-rate cash back††

Wells Fargo Active Cash® Card

  • Intro purchase APR

    0% for 15 Months*
  • Regular purchase APR

    20.24%, 25.24%, or 29.99% Variable APR
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months*

Regular purchase APR

20.24%, 25.24%, or 29.99% Variable APR

Annual fee

$0

Great for simple cash back††
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
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Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

Great for simple cash back††

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

  • Intro purchase APR

    0% for 9 Billing Cycles
  • Regular purchase APR

    18.49% - 28.49%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 9 Billing Cycles

Regular purchase APR

18.49% - 28.49%* Variable

Annual fee

$0

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†† The opinions you read here come from our editorial team. Intuit 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.