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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
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Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn a $200 statement credit after you spend $2,000 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.
- 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.
- $0 annual fee
- $200 statement credit initial bonus offer
- Up to 3% cash back
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
- 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 $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 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.
- $300 statement credit initial bonus offer
- Low intro APR on purchases
- High rewards rate
- No membership fees first year
- Membership fees in the second year
- Spending caps on rewards
- Above-average regular APR
- 2.7% foreign-transaction fee
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Schwab Credit Card Schwab Credit Card

- Earn $200 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.
- No membership fees
- 0% intro APR on purchases
- $200 initial rewards bonus
- Reports to the three major credit bureaus
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- 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
Best 0% Interest American Express Credit Cards

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 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 |
The Amex EveryDay® Credit Card from American Express | $0 | 0% for 15 months | Not Offered |
Blue Cash Preferred® Card from American Express | $0 intro 1st yr, $95 after | 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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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 more
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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?
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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