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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.

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.

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Great for a long balance transfer offer††

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Citi Simplicity® Card

Great for a long balance transfer offer††

Citi Simplicity® Card

543 reviews

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Intro purchase APR
0% for 18 Months
Regular purchase APR
17.49% - 28.24%* Variable
Annual fee
$0

Intro purchase APR

0% for 18 Months

Regular purchase APR

17.49% - 28.24%* Variable

Annual fee

0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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 high flat-rate cash back††

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Wells Fargo Active Cash® Card

Great for high flat-rate cash back††

Wells Fargo Active Cash® Card

596 reviews

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Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Regular purchase APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 12 months from account opening on purchases

Regular purchase APR

18.49%, 24.49%, or 28.49% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
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Great for travel rewards with no annual fee††

Capital One VentureOne Rewards Credit Card

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Capital One VentureOne Rewards Credit Card

Great for travel rewards with no annual fee††

Capital One VentureOne Rewards Credit Card

201 reviews

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Intro purchase APR
0% intro on purchases for 15 months
Regular purchase APR
18.49% - 28.49% (Variable)
Annual fee
$0

Intro purchase APR

0% intro on purchases for 15 months

Regular purchase APR

18.49% - 28.49% (Variable)

Annual fee

Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

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Chase Slate®

453 reviews

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Intro purchase APR
0% Intro APR for 21 months on purchases
Regular purchase APR
18.24 - 28.24% Variable
Annual fee
$0

Intro purchase APR

0% Intro APR for 21 months on purchases

Regular purchase APR

18.24 - 28.24% Variable

Annual fee

0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24 - 28.24% thereafter
No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card

Great for rewards on everyday spending††

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Citi Strata℠ Card

Great for rewards on everyday spending††

Citi Strata℠ Card

147 reviews

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Intro purchase APR
0% for 15 months on Purchases
Regular purchase APR
18.49% - 28.49% (Variable)
Annual fee
$0

Intro purchase APR

0% for 15 months on Purchases

Regular purchase APR

18.49% - 28.49% (Variable)

Annual fee

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; 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 long intro APR periods††

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Wells Fargo Reflect® Card

Great for long intro APR periods††

Wells Fargo Reflect® Card

327 reviews

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Intro purchase APR
0% intro APR for 21 months from account opening on purchases
Regular purchase APR
17.49%, 23.99%, or 28.24% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 21 months from account opening on purchases

Regular purchase APR

17.49%, 23.99%, or 28.24% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.

Great for rewards on everyday spending††

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Wells Fargo Autograph® Card

Great for rewards on everyday spending††

Wells Fargo Autograph® Card

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Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Regular purchase APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 12 months from account opening on purchases

Regular purchase APR

18.49%, 24.49%, or 28.49% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.

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

741 reviews

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Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
17.49% - 27.49% Variable APR on purchases
Annual fee
$0

Intro purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular purchase APR

17.49% - 27.49% Variable APR on purchases

Annual fee

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.

Great for high flat-rate cash back††

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Citi Double Cash® Card

Great for high flat-rate cash back††

Citi Double Cash® Card

1461 reviews

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Intro purchase APR
N/A
Regular purchase APR
17.49% - 27.49%* Variable
Annual fee
$0

Intro purchase APR

N/A

Regular purchase APR

17.49% - 27.49%* Variable

Annual fee

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

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

133 reviews

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Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
17.49% - 27.49% Variable APR on purchases
Annual fee
$0

Intro purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular purchase APR

17.49% - 27.49% Variable APR on purchases

Annual fee

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.
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

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The inside scoop on zero percent interest 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.

FAQ: Editors’ answers

Editorial Note: 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 posted. Read our Editorial Guidelines to learn more about our team.

Many different types of credit cards have 0% intro APR offers, either for balance transfers, purchases or both. These introductory APRs give you a window during which you won’t be charged interest for your balance.

These credit card offers usually apply for only a short amount of time, from a few months to just over a year. Once that intro window is up, you’ll have to start paying interest on whatever’s left.

And in some cases, if you still owe money at the end of the intro offer, you may even have to pay back interest on the money you’ve already paid off, too. These may look like 0% intro APR offers, but they’re actually “deferred interest” promotions. For this reason, it’s always a good idea to check the terms and conditions before you apply for a 0% intro APR offer.

Credit cards can have two different types of introductory 0% interest offers: balance transfers and purchases.

A balance transfer 0% introductory APR means you won’t be charged interest for a certain period of time on a balance you transfer from another card. This can give you time to pay down existing debt without paying interest.

A 0% introductory APR on purchases means you won’t be charged interest for a certain amount of time on purchases made on the card. It’s a good option to consider if you have a large expense coming up that you can’t afford to pay off straight away. That way, you won’t be stuck paying interest on that big buy.

First, decide which type of 0% intro APR offer makes the most sense for your situation: purchase or balance transfer? Next, explore your options. The amount of time these offers give you to pay off your debt at a 0% interest rate can vary widely. It’s a good idea to make a plan and a budget to try to pay off as much as you can during the intro offer window.

Once you’ve made your plan and found the card that best fits your needs, you will need to apply for the card. Credit card companies take a lot of factors into consideration when you apply, but generally, the better your credit, the more likely you are to be approved.

Yes, you should try to pay off your debt within the introductory 0% APR period. If you can’t pay off your debt within the introductory period, you will still owe whatever amount is left to the credit card issuer, and you will also be charged interest on that amount. And, if you got a deferred interest credit card, you may even be charged interest on the amount that you already paid off.

Either way, the more you can pay off during a 0% intro APR period, the less you’ll be charged overall. We recommend making a plan to pay off your debt before you even apply for a card.

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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.