American Express 0% APR Credit Cards
WalletHub makes it easy to find the best American Express 0% APR credit card.
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Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
- Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express

- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- $95 Annual Fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
American Express Cash Magnet® Card American Express Cash Magnet® Card

- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
- Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No Annual Fee.
- See More Details & Reviews About TheAmerican Express Cash Magnet® Card
Schwab Credit Card Schwab Credit Card

- Earn $100 Statement Credit after spending $1,000 in your first three months of card membership.
- Earn an unlimited 1.5% cash back automatically deposited into your eligible Schwab account.
- The Charles Schwab Card is only available to clients who maintain an eligible Schwab account.
- 24/7 Dining & Events Assistant
- See More Details & Reviews About TheSchwab Credit Card
Wells Fargo Propel American Express® card Wells Fargo Propel American Express® card

- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn 3X points on eating out and ordering in
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on popular streaming services
- Earn 1X points on other purchases
- $0 annual fee and no foreign currency conversion fee
- See More Details & Reviews About TheWells Fargo Propel American Express® card
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Best 0% Interest American Express Credit Cards

Still, with several 0% APR Amex credit cards to choose from, it can be difficult to determine which will be best for your needs. To help you out, we’ll compare WalletHub’s editors’ favorites below.
Best 0% APR American Express Credit Cards Compared
Credit Card | Annual Fee | New Purchases Intro | Balance Transfer Intro |
Blue Cash Everyday® Card from American Express | $0 | 0% for 15 months | Not Offered |
American Express Cash Magnet® Card | $0 | 0% for 15 months | Not Offered |
Amex EveryDay® Preferred Credit Card | $95 | 0% for 12 months | Not Offered |
Wells Fargo Propel American Express® card | $0 | 0% for 12 months | 0% for 12 months on qualifying balance transfers |
Blue Cash Preferred® Card from American Express | $95 | 0% for 12 months | Not Offered |
Choosing the right 0% credit card can be tough. But WalletHub’s credit card payoff calculator can help you figure out which credit card-monthly payment combination will save you the most money. You can also check your latest credit score for free on WalletHub to see which cards you’re likely to be approved for.
How much is the minimum payment for American Express?
The minimum payment for an American Express credit card is generally $35 or 1% of your balance, plus fees and interest – whichever is higher. Existing cardholders can always find their required minimum payment listed on their monthly account statement.You can learn more about the importance of making at least minimum monthly payments (and what happens if you don't) from WalletHub's guide on paying credit card bills.
Questions & Answers
Comparing american express 0% apr credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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Featured Credit Cards
Ask the Experts
To help educate people on the possibilities, we asked a panel of experts to share their thoughts on the following questions. You can meet our expert panel and check out their comments below.
1. Do you think the average person knows that not all American Express credit cards are charge cards?
2. Why do you think there are more Amex cards with $100+ annual fees than 0% introductory APRs?
3. Do you think 0% APR credit card offers, such as the Amex EveryDay Credit Card from American Express, will fade away if the economy takes a downturn?
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Paul Woodburne
Chair, Dept of Economics, Clarion University of Pennsylvania
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Steve Thel
Wormser Professor of Law, Fordham University, School of Law
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Ryan Williams
Assistant Professor, University of Arizona - Eller College of Management
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Connel Fullenkamp
Professor of the Practice of Economics, Duke University, Department of Economics
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Steven Gattuso
CFA,CFP(r), CMA, Executive Director - Golden Griffin Fund, Economics/Finance Department, Canisius College
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Joe Roberts
Ph.D., Director - Center for Innovation and Professional Development, Management and Leadership Program Lead, Academic Director - DAWIA/DAU Programs, Webster University
Read More
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