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WalletHub Best American Express 0% APR Credit Cards
WalletHub makes it easy to find the best American Express 0% APR credit card.
American Express 0% intro APR credit cards have no interest for up to 15 months on new purchases, balance transfers or both. This might surprise some people, given that American Express is best known for rewards credit cards and charge cards: the two main types of cards for people who pay their bills in full every month. But American Express (a WalletHub partner) understands the appeal of a long 0% introductory APR period at a time when people are racking up record credit card balances.
Best American Express 0% Intro APR Credit Card
- 0% for 15 months Amex EveryDay® Preferred Credit CardAmex EveryDay® Preferred Credit CardLearn MoreLearn More
- 0% for 15 months American Express Cash Magnet® CardAmerican Express Cash Magnet® CardLearn MoreLearn More
- Rates & FeesTerms Apply0% for 15 months Blue Cash Everyday® Card from American ExpressBlue Cash Everyday® Card from American ExpressLearn MoreLearn Moreon issuer's website
- 0% for 15 months The Amex EveryDay® Credit Card from American ExpressThe Amex EveryDay® Credit Card from American ExpressLearn MoreLearn More
- Rates & FeesTerms Apply0% for 12 months Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
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AMERICAN EXPRESS 0% APR CREDIT CARDS
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- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 10% Off Shopping Pass initial rewards bonus
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- $200 initial rewards bonus
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best American Express 0% apr credit cards.
Our picks
The best 0% APR American Express credit card is the American Express Cash Magnet® Card, which offers an intro APR of 0% for 15 months on new purchases and a $0 annual fee. Cash Magnet also rewards cardholders with 1.5% cash back on purchases, earned as statement credits. For those reasons, the American Express Cash Magnet® Card is one of the best 0% APR credit cards from any issuer, not just Amex. In general, the best 0% intro APR American Express credit cards are interest-free for the first 9-15 months – on new purchases, balance transfers or both. Most zero-interest Amex cards also have $0 annual fees, and they all require good credit (at least) for approval. But these Amex cards don’t offer 0% APRs forever. High regular interest rates typically follow, so you’ll save the most money if you pay off your balance before the end of the low-interest introductory period.
That said, it can be difficult to determine which 0% APR Amex will be best for your specific needs. To help you out, we’ll compare WalletHub’s editors’ favorites below.
Best 0% APR American Express Credit Cards Comparison
| Credit Card | Annual Fee | New Purchases Intro |
| Blue Cash Everyday® Card from American Express | $0 | 0% for 15 months |
| American Express Cash Magnet® Card | $0 | 0% for 15 months |
| Amex EveryDay® Preferred Credit Card | $95 | 0% for 12 months |
| The Amex EveryDay® Credit Card from American Express | $0 | 0% for 15 months |
| Blue Cash Preferred® Card from American Express | $0 intro 1st yr, $95 after | 0% for 12 months |
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.
The competition
There are lots of really good American Express 0% APR credit cards offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
| Info |  American Express Blue Business Cash™ Card |  The Blue Business® Plus Credit Card from American Express |
|---|---|---|
| Annual Fee | $0 | $0 |
| Bonus Offer | $250 | 15,000 points |
| Rewards Rate | 1 - 2% Cash Back | 1 - 2 points / $1 |
| Purchase Intro APR | 0% for 12 months | 0% for 12 months |
| Transfer Intro APR | N/A | N/A |
| Regular APR | 18.24% - 26.24% (V) | 18.24% - 26.24% (V) |
| Editors' Rating | 4 | 4 |
| Details, Rates & Fees | Learn More Rates & Fees Terms Apply | Learn More Rates & Fees Terms Apply |
About the author
John S Kiernan
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best American Express 0% APR credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Best American Express 0% APR Credit Cards FAQ
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 more
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What's the American Express credit card interest rate? Reply
The American Express interest rate is 17.99% (V) to 29.99% (V), depending on the card and on your overall creditworthiness. Some cards also offer a 0% introductory interest rate, lasting for a specified number of months. An American Express card with a 0% interest rate allows you to finance big-ticket purchases for several months without the costly interest charges.
The Amex cards that offer 0% intro APRs include:
- Amex EveryDay: 0% for 15 months intro on purchases
- Amex Blue Cash Everyday: 0% for 15 months intro on purchases
- Amex Cash Magnet Card: 0% for 15 months intro on purchases
- Amex EveryDay Preferred: 0% for 12 months intro on purchases
- Blue Cash Preferred: 0% for 12 months intro on purchases
Business owners have two American Express introductory 0% interest rate credit cards at their disposal. Both American Express Blue Business Plus and Amex Blue Business Cash offer 0% for 12 months intro APR on purchases.
American Express interest rates by card:
- Amex EveryDay: 17.99% - 28.99% (V)
- Amex EveryDay Preferred: 17.99% - 27.99% (V)
- Amex Blue Cash Everyday: 18.99% - 29.99% (V)
- Amex Cash Magnet Card: 18.99% - 29.99% (V)
- Blue Cash Preferred: 18.99% - 29.99% (V)
- American Express Blue Business Plus: 18.24% - 26.24% (V)
- Amex Blue Business Cash: 18.24% - 26.24% (V)
You will need at least good credit to qualify for an American Express credit card with a 0% interest rate. American Express will also review your payment history, employment, income, your level of debt, and other factors. If you’re applying for a business credit card, your personal credit history will play a significant role in the evaluation process.
How do I get American Express to lower my interest rate? Reply
The best way to get American Express to lower the interest rate on your credit card is to call their customer service line at (800) 528-4800 and get on the phone with a representative. You can do this by saying “representative” to the automated customer service menu.
Simply asking can be more effective than you might think. For example, many credit card users who’ve threatened to cancel their cards if they didn’t get better terms...
How do I avoid paying interest on American Express cards? Reply
To avoid paying interest on American Express cards, pay off the entire statement balance by the payment due date every month, or keep the account balance at $0 by not making any transactions on the card. American Express cannot charge interest on an account in either case.
If you have an American Express credit card with an introductory 0% APR on purchases, you can also avoid paying interest as long as you pay off...
How long is the American Express credit card grace period? Reply
The American Express credit card grace period is at least 25 days after the closing date of each billing period. That means if you enter a new billing period without an existing balance and make charges on the card, you will have at least 25 days after that billing period closes before interest begins to accrue.
It is important to note that grace periods do not apply to certain balances. Cash advances and balance transfers will start accruing interest immediately, unless...
What is the Amex EveryDay APR? Reply
The Amex EveryDay APR is 0% for the first 15 months your account is open. After that, it could be anywhere between 17.99% - 28.99% (V). The exact rate will depend on your creditworthiness and will be determined when you open your account. You won’t have to pay any interest on purchases if you always pay off your balance by the due date. Your due date is 25 days after the end of each billing cycle.
The purchase APR...
Does American Express have any offers with Best Buy? Reply
Yes, American Express and Best Buy have an offer known as the “Pay with Points” program. It allows you to redeem earned American Express Membership Rewards points toward purchases on BestBuy.com. You can use Pay with Points on all purchases except e-gift cards. The offer applies only to online purchases; in-store purchases are not eligible.
You earn Membership Rewards points with every qualifying purchase you make with an American Express rewards points card. Points can...
What's the American Express Platinum interest rate? Reply
The American Express Platinum card interest rate is around 20.99% (V) to 28.99% (V) for purchases made using the card's Pay Over Time feature. The exact interest rate will be determined based on the cardholder's credit history and American Express account history, among other factors.
There are a few things to keep in mind about the American Express Platinum card interest rate, such as:
- The Pay Over Time feature applies to purchases that Amex approves for a longer payment period. ...
Featured Credit Cards
Expert Opinions
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?
Ph.D., Associate Professor, Economics, Director, The Nealis Program in Asian Studies, Saint Joseph’s University
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Professor Emeritus, Director of the Center for Consumer Law, University of Houston Law Center
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Lucas Professor of Real Estate, Chair, Department of Economics & Finance, Lutgert College of Business, Florida Gulf Coast University
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President and Professor of Economics, Wabash College
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Ph.D., Associate Professor of Finance, Sigmund Weis School of Business, Susquehanna University
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Robert Kavesh Professor of Economics, General Editor, Review of Industrial Organization, Stern School of Business, New York University
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