The best 0% APR travel credit card is Discover it® Miles. It offers a 0% intro 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% intro APR for 14 months (11.99% - 22.99% Variable APR after that). 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. Other cards, like Blue Cash Preferred® Card from American Express, 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:
10.99% balance transfer intro APR for 14 months. 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. 11.99% - 22.99% Variable APR after that. 1.5 miles per $1 on all purchases. First year’s miles matched. $0 annual fee. 0% foreign transaction fee. Good credit needed.
20,000 miles bonus for spending $500 in the first 3 months. 1.25 miles per $1 on all purchases. 15.49% - 25.49% (V) regular APR. $0 annual fee. $0 foreign transaction fees. Good credit needed.
25,000 points bonus when you spend $1,000 in the first 90 days. 1.5 points per $1 on all purchases. 25% - 75% additional points if you're a Preferred Rewards member. 14.99% - 22.99% Variable regular APR. $0 annual fee. 0% foreign transaction fees. Excellent credit needed.
JetBlue Card: 0% balance transfer APR for 12 months (3% (min $5) fee).
10,000 points bonus 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. 15.99% - 24.99% (V) regular APR. $0 annual fee. 0% foreign transaction fees. Good credit needed.
$300 statement credit for spending $3,000 in the first 6 months. 6% cash back on your first $6,000 at U.S. supermarkets and select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, 1% on everything else. 13.99% - 23.99% (V) regular APR. No annual fee the first year, $95 per year after that. 2.7% 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.