Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
A 0% APR credit card is a card that does not charge any interest on purchases, balance transfers or both for a specific length of time. On average, 0% APR credit cards charge no interest on purchases for 12 months and no interest on balance transfers for 13 months.
Best 0% APR Credit Cards
- Wells Fargo Reflect® Card
- U.S. Bank Visa® Platinum Card
- BankAmericard® credit card
- Citi® Diamond Preferred® Card
Key Things to Know about 0% APR Credit Cards
The easiest way to get a 0% APR is to apply for a new credit card.
Some credit card issuers offer 0% APR promotions on existing accounts, though it doesn’t happen very often. The most straightforward way to get 0% interest is to apply for a credit card that offers 0% introductory APRs.
Most 0% APR credit cards require good credit or better for approval.
In general, you will need good or excellent credit to qualify for a 0% intro APR credit card. If you don’t know where you stand, you can check your credit score for free on WalletHub.
Credit cards with 0% APRs for below-average credit are usually retail credit cards.
Some 0% APR store credit cards accept less-than-good credit. That means you can get 0% interest on purchases from specific merchants. However, watch out for store credit cards that charge deferred interest, which applies if the balance is not paid in full by the time the 0% APR period ends.
Credit cards with 0% APRs charge high regular interest rates.
Most credit cards that offer 0% APRs also have high regular interest rates that kick in as soon as the introductory period is over, so it’s best to repay your balance in full before the promotional term ends.
A 0% APR on balance transfers usually comes with a balance transfer fee.
The average balance transfer fee for credit cards with 0% interest on balance transfers is 2.53%. From time to time, there are a select few 0% APR balance transfer credit cards that do not charge a balance transfer fee.
A 0% APR doesn’t save you from regular payments.
You still have to make minimum monthly payments by the due date to avoid credit score damage and keep the low interest rate.
If you are looking for a no-interest credit card, you can easily compare the latest 0% APR credit card offers for both purchases and balance transfers on WalletHub.

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