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 15.99 - 24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- No annual fee
Pros & Cons
- High rewards rate: 1.5% cash back on all purchases
- 0% intro APR on purchases and balance transfers for 15 months
- No annual fee
- No bonus categories
- High balance transfer fee (5%)
Our Take
Chase Freedom Unlimited® offers great cash back rewards with no annual fee.
What to Like
With Chase Freedom Unlimited®, 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 Unlimited® also doesn’t have 5% cash back in rotating categories, which is a feature of the standard Chase Freedom card.
- No annual fee
- $150 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 wholesale clubs, and 3% on gas for 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, 13.99% - 23.99% 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%
Pros & Cons
- 3% cash back on gas and 2% back at grocery stores and wholesale clubs for up to $2,500 combined each quarter
- 0% intro APR for first 12 billing cycles on purchases and balance transfers made within 60 days of account opening
- No annual fee
- Low base rewards rate
- Balance transfer fee
Our Take
The Bank of America® Cash Rewards credit card is a solid cash back option for people with good to excellent credit.
What to Like
The Bank of America® Cash Rewards credit card offers 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined grocery stores, wholesale club, and gas purchases each quarter. You can earn 1% cash back on all other purchases, and get a $150 cash rewards bonus after $500 in purchases in the first 90 days.
Look Out For
You’ll pay a 3% or $10 fee on any balance transfers whichever is greater, as well as a 3% fee on foreign transactions. If you’re late on a payment, you could be subject to a high penalty APR that may overshadow any rewards earnings.
Additional Zero Percent Credit Cards
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Terms Apply.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
- No annual fee.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- 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.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- 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 from account opening, 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; 12.99% - 22.99% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Helpful Articles
* 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 2017 through August 2017. 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.