The best 0% APR travel credit card is Discover it Miles. It offers a 0% APR on purchases for your first 14 months of card membership. And it also gives a reduced rate on balance transfers, with a 10.99% APR for 14 months. That’s about the longest introductory period you’ll see on a travel card, which focus more on rewards than financing.
That said, there are other travel cards with 0% APRs on purchases. Some have 0% balance transfers, too, like the Frontier Airlines card. Other cards, like Amex Blue Cash Preferred, aren’t necessarily focused on travel but combine great rewards with 0% APRs and thus could be useful.
Here are the best 0% APR travel credit cards:
Discover it Miles: 0% purchase APR for 14 months. 10.99% balance transfer APR for 14 months (3% fee). 1.5 miles per $1 on all purchases. First year’s miles matched. No annual fee. No foreign transaction fee. Good credit needed.
Capital One VentureOne: 0% purchase APR for 12 months. 20,000 bonus miles for spending $1,000 in the first 3 months. 10 miles per $1 at hotels.com/venture, and 1.25 miles per $1 on all other purchases. No annual fee. No foreign transaction fee. Good credit needed.
Bank of America Travel Rewards: 0% purchase APR for 12 months. 20,000 bonus points when you spend $1,000 in the first 90 days. 3 points per $1 at the Bank of America Travel Center, 1.5 everywhere else. 10% additional points if you have a Bank of America checking or savings account. No annual fee. No foreign transaction fee. Excellent credit needed.
Frontier Airlines Credit Card with No Annual Fee: 0% balance transfer APR for 15 months (3% fee). 10,000 bonus miles for making your first purchase (no required timeframe). 1 mile per $1 on Frontier Airlines purchases, 1 mile per $2 everywhere else. No annual fee. 3% foreign transaction fee. Miles don’t expire as long as you use your card every 6 months. Good credit needed.
JetBlue Card: 0% balance transfer APR for 12 months (3% fee). 10,000 bonus miles for spending $1,000 in the first 90 days. 3 points per $1 on JetBlue purchases, 2 at restaurants and grocery stores, 1 everywhere else. Share points with Family Pooling. 50% savings on in-flight purchases. No annual fee. No foreign transaction fee. Good credit needed.
Amex Blue Cash Preferred: 0% purchase APR for 12 months. 0% balance APR for 12 months (3% fee). $200 statement credit for spending $1,000 in the first 3 months. 6% cash back on your first $6,000 at U.S. supermarkets, 3% on gas and at select department stores, 1% on everything else. $95 annual fee. 2.7% foreign transaction fee. Good credit needed.
China Airlines Credit Card with No Annual Fee: 0% balance transfer APR for 6 months (5% fee). 500 bonus miles for making your first purchase in the first 3 billing cycles. 1 mile per $1 on China Airlines purchases, 1 mile per $2 everywhere else. No annual fee. No foreign transaction fee. Good credit needed.
If you’re looking to finance an upcoming trip, Discover it Miles is probably your best bet, since it’ll give you the longest amount of time before interest kicks in.
The Citi ThankYou Preferred is a good card. I'm not really sure it's a travel credit card per se, but it earns you points for purchases, and double points for dining out and entertainment. The 0% intro APR lasts for 15 months.
I've got a Travel Rewards card from BoA. It's better than Discover it, in my opinion, especially due to those signup bonus points.
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