0% APR credit cards
We think you'll love these cards from our partners.
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 travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Capital One VentureOne Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular 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
- $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 simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
19.99% - 29.99% (Variable)Annual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
19.99% - 29.99% (Variable)
Annual fee
$0
- 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 a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
19.24% - 29.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
19.24% - 29.99%* 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 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
18.74% - 28.74%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
18.74% - 28.74%* 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
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
Great for choosing your top category††
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%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Billing Cycles*
Regular purchase APR
18.24% - 28.24%* 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 - now with expanded categories, 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 high flat-rate cash back††
Great for high flat-rate cash back††
Citi® Double Cash Card
Intro purchase APR
N/ARegular purchase APR
19.24% - 29.24%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
19.24% - 29.24%* Variable
Annual fee
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
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 15 Billing CyclesRegular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Billing Cycles
Regular purchase APR
18.24% - 28.24%* 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 high cash back rates††
Great for high cash back rates††
Capital One SavorOne Cash Rewards Credit Card
Intro purchase APR
0% for 15 MonthsRegular 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
- 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
Great for bonus cash back††
Great for bonus cash back††
Bank of America® Customized Cash Rewards credit card for Students
Intro purchase APR
0% for 15 Billing CyclesRegular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Billing Cycles
Regular purchase APR
18.24% - 28.24%* 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 - now with expanded categories, 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 high flat-rate cash back††
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%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months*
Regular purchase APR
20.24%, 25.24%, or 29.99%* 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 $500 in purchases in the first 3 months
More cards by category
Shop all cardsMore ways to browse cards
†† 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.