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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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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

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 |
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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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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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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