James W Reed, Credit Cards Moderator
@jameswreed
One of the best 0% APR travel credit cards is the Chase Freedom Unlimited® card. It offers an intro APR of 0% for 15 months on both new purchases and balance transfers, and it rewards you with 1.5 - 5% cash back on purchases – including 5% back on travel booked through Chase.
Some of the Best 0% APR Travel Credit Cards in 2025
Purchase Intro APR: 0% for 6 months
Transfer Intro APR: 4.99% for 8 months
Regular APR: 18% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: 50,000 Priority Miles after spending $3,000 within the first 3 months
Ongoing Rewards: 5 miles per $1 spent on travel up to $6,000 in a calendar year (2 miles after that), 2 miles on everyday purchases (gas, groceries, cable TV, phone, and utilities) and 1 mile per $1 spent on all other purchases
Annual Fee: $0 intro 1st yr, $50 after
Credit Score: Excellent
Purchase Intro APR: 0% for 15 months
Transfer Intro APR: 0% for 15 months
Regular APR: 18.99% - 28.49% (V)
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Initial Bonus: $200 for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 12 months from account opening
Transfer Intro APR: Not Offered
Regular APR: 18.99%, 23.99%, or 28.99% Variable
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Initial Bonus: 20,000 points for spending $1,000 on purchases in the first 3 months
Ongoing Rewards: 3 points per $1 spent on restaurant, travel, gas stations, transit, popular streaming services and phone plans, as well as 1 point per $1 spent on other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 15 billing cycles
Transfer Intro APR: 0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR: 17.99% - 27.99% Variable
Balance Transfer Fee: 3% for 60 days from account opening, then 4%
Initial Bonus: 25,000 points for spending $1,000 in the first 90 days
Ongoing Rewards: 1.5 points per $1 spent on all purchases
Annual Fee: $0
Credit Score: Excellent
Purchase Intro APR: 0% for 12 months
Transfer Intro APR: Not Offered
Regular APR: 20.49% - 28.99% (V)
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Initial Bonus: 30,000 miles for spending $1,000 in the first 3 months
Ongoing Rewards: 2 miles per $1 spent with United, 2 miles per $1 spent on gas station purchases, local transit and commuting, and 1 mile per $1 spent on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 6 months
Transfer Intro APR: 0% for 15 months
Regular APR: 19.74% - 29.99% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: 45,000 points after spending $1,000 in the first 90 days
Ongoing Rewards: 6 points per $1 spent Wyndham hotels purchases and on gas, 4 points per $1 spent on dining and groceries, and 1 point on all other purchases
Annual Fee: $75
Credit Score: Good
By the way, most of the cards listed above do not charge foreign transaction fees, so they work well both domestically and abroad. For more choices, see our full list of the best travel credit cards and the best 0% APR credit cards.
Popular 0% APR Credit Cards in October 2025 from Our Partners
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Long 0% Intro Period
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0% Intro APR and Travel Rewards
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0% Intro APR and Cash Back
Robert KK, Member
@robkim_ca
It doesn’t have the longest 0% period (just 12 months), but I like the Wells Fargo Autograph because its bonus rewards apply to a lot of different things, including travel.
Harper Walker, Member
@harperw1
Chase Freedom Unlimited is a good all-round deal - $0 fee, 0% intro rate, great rewards. You just need to use Chase Travel to get bonus rewards on travel.
Adam Farley, Member
@adam_farley
If you’re looking for the longest 0% APR period, the Citi Simplicity® Card is one of your best options, offering 12 months. Unfortunately, it does not offer any rewards. Cards designed for travel rewards rarely offer intro 0% APR, with the exception of the Capital One VentureOne Rewards Credit Card which manages to combine the best of both worlds. 0% APR for 15 months and miles equivalent of 1.25 miles / $1 on all purchases, not to mention the 20,000 miles + $100 Capital One Travel credit initial bonus. You can check it out here: https://wallethub.com/d/capital-one-ventureone-379c.
casinocard, Member
@casinocard
I have a Citi Simplicity® Card. Great card if you travel a lot, 12 months 0%, great customer service.
Inga Berry, Member
@inga_berry
The Citi Rewards+® Card 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.
Kevin Pebb, Member
@kevin_pebb
I've got a Bank of America® Travel Rewards credit card from BoA. It's better than Discover it® Miles, in my opinion, especially due to those signup bonus points.
People also ask
What are the best airline credit cards with 0% APR?
The best airline credit card with a 0% APR is the JetBlue Card because it offers an introductory rate of 0% for 12 months on balance transfers, with a 5% (min $5) transfer fee. The JetBlue Card also comes with a $0 annual fee. No credit card affiliated with a specific airline currently offers 0% on purchases.
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For a wider range of options, check out WalletHub’s editors’ picks for the best airline credit cards...
read full answer by Chip Lupo, Credit Card WriterWhat does 0% APR mean on a credit card?
A 0% APR means that you pay no interest on new purchases, balance transfers or both for a certain period of time after you open the credit card account. The best 0% APR credit cards on the market currently give 15-21 months without interest. The average 0% APR intro period is about 11 months for cards offering 0% on purchases, according to WalletHub’s Credit Card Landscape Report, and around 13 months for the average card with 0% on transfers.
A 0% APR...
read full answer by John S Kiernan, Managing EditorShould I get a 0% APR credit card?
You should get a 0% APR credit card if you have good credit or better, are planning to make a big purchase or balance transfer soon, and have a plan for paying off the balance before the intro APR period is over. If you fit these criteria, you’ll be able to make the most out of a 0% APR credit card.
Making a plan to pay off a large balance can be an organizational hurdle for some...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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