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Best Capital One 0% APR Credit Cards
WalletHub makes it easy to find the best Capital One 0% APR offer.
The best 0% APR Capital One credit cards have $0 annual fees and usually come with good rewards on purchases. Capital One’s 0% APR offers can also save you a lot of money on interest while you pay off big-ticket purchases or balance transfers. You can find more information about the latest 0% offers from Capital One (a WalletHub partner) listed below.... show more
Best Capital One 0% Intro APR Credit Cards in 2025
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Rates & Fees Cash Back:
Capital One Quicksilver Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Cash Back:
Capital One Quicksilver Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Cash Back:
Capital One Quicksilver Cash Rewards Credit CardLearn MoreLearn More
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Rates & Fees Travel Rewards:
Capital One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Travel Rewards:
Capital One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Travel Rewards:
Capital One VentureOne Rewards Credit CardLearn MoreLearn More
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Rates & Fees Dining & Entertainment:
Capital One Savor Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Dining & Entertainment:
Capital One Savor Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
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Dining & Entertainment:
Capital One Savor Cash Rewards Credit CardLearn MoreLearn More
- Cash Back:
- Travel Rewards:
- Dining & Entertainment:
COMPARE CAPITAL ONE 0% APR CREDIT CARDS
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- Earn a great initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- Earn a great initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers (balance transfer fees apply)
- Potential for a very high interest rate - 18.99% - 28.99% (V)
- Balance transfer fee
- Available to applicants with good/excellent credit
- Earn a great initial bonus
- High rewards rate
- $0 annual fee
- High regular APR - 18.99% - 28.99% (V)
- Balance transfer fee
- Available to people with good/excellent credit
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 10% back in rewards initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No initial rewards bonus
- Balance transfer fee
- Requires excellent credit
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- Bonus rewards categories
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- Bonus rewards categories
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
Best Capital One 0% Intro APR Credit Cards
The best 0% APR Capital One credit card is the Capital One VentureOne Rewards Credit Card (see Rates & Fees) because it offers introductory APRs of 0% for 15 months on purchases and balance transfers. Capital One VentureOne also has a $0 annual fee, though you’ll have to watch out for its balance transfer fee and high regular APR.
Your regular rate could be anywhere from 18.99% to 28.99% (V), depending on your overall creditworthiness when you apply. You can see how this card stacks up against the rest of the best options below.
Best Capital One 0% Intro APR Credit Cards Comparison
| Credit Card | Intro Purchase APR | Intro Balance Transfer APR | Regular APR | Balance Transfer Fee |
| Capital One Quicksilver Cash Rewards Credit Card (see Rates & Fees) | 0% for 15 months | 0% for 15 months | 18.99% - 28.99% (V) | 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
| Capital One VentureOne Rewards Credit Card (see Rates & Fees) | 0% for 15 months | 0% for 15 months | 18.99% - 28.99% (V) | 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
| Capital One Savor Cash Rewards Credit Card (see Rates & Fees) | 0% for 12 months | 0% for 12 months | 18.99% - 28.99% (V) | 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time |
Methodology for Selecting the Best 0% Intro Capital One Credit Cards
To identify the best Capital One credit cards with 0% introductory APRs, WalletHub’s editors regularly compare all the credit cards issued by Capital One from our database of 1,500+ credit card offers. We start by excluding all Capital One cards that lack a 0% intro APR for purchases or balance transfers, before comparing the remaining cards based on the amount each is likely to save the average cardholder.
When estimating cardholder savings, we focus on savings from reduced interest charges, as well as the cost of fees, but also factor in rewards earnings as a tiebreaker. Furthermore, we concentrate on general-purpose credit cards issued by Capital One since they are more useful than low-interest financing offers for specific retailers.
About the author
John S Kiernan
Capital One 0% APR Credit Cards FAQ
Comparing Capital One 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. WalletHub independently collected information for some of the cards on this page.show more
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What are the best Capital One credit cards with no interest for 18 months? Reply
There aren’t any Capital One credit cards with no interest for 18 months. The best 0% APR credit cards from Capital One have a zero-interest offer that lasts for 15 months and applies to new purchases as well as balance transfers.
You can see more details below.
Capital One Credit Cards with a Long Intro APR
Purchase Intro APR: 0% for 15 months
Transfer Intro APR: 0% for 15 months
Regular APR: 18.99% - 28.99% (V)
Balance Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Initial Bonus: $300 in welcome bonuses: a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year (limited-time offer), plus a $200 cash bonus for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 5% cash back on Capital One Entertainment through 12/31/25, and 1.5% cash back on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 15 months
Transfer Intro APR: 0% for 15 months
Regular APR: 18.99% - 28.99% (V)
Balance Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Initial Bonus: $100 to use on Capital One Travel in your first cardholder year (limited-time offer), plus 20,000 bonus miles for spending $500 in the first 3 months
Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.25 miles per $1 on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 12 months
Transfer Intro APR: 0% for 12 months
Regular APR: 18.99% - 28.99% (V)
Balance Transfer Fee: 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Initial Bonus: $300 in welcome bonuses: a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year (limited-time offer), plus a $200 cash bonus for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases)
Annual Fee: $0
Credit Score: Good
If you’re not tied to Capital One as an issuer, you should consider the U.S. Bank Shield™ Visa® Card instead. It offers an intro APR of 0% for 24 months on new purchases and qualifying balance transfers.
This card’s regular APR is 17.24% - 28.24% (V). Balance transfers are subject to a fee of 5% (min $5).
You should also check out the rest of our editors’ latest picks for the best 0% APR credit cards on the market to weigh your options.
Does Capital One Venture X Card have a 0% APR intro period for new purchases? Reply
No, the Capital One Venture X (see details, rates & fees) does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Capital One Venture X (see details, rates & fees) is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2025, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a...
Does Capital One Quicksilver Card have a 0% APR intro period for new purchases? Reply
Yes, the Capital One Quicksilver (see details, rates & fees) has an introductory purchase APR of 0% for 15 months after account opening. Once this intro period expires, any remaining balance on the Capital One Quicksilver (see details, rates & fees) will be subject to the regular APR of 18.99% - 28.99% (V).
Since the average 0% intro APR for new purchases lasts 11 months, the Capital One Quicksilver (see details, rates & fees) offer is above average. The Capital One Quicksilver (see details, rates & fees) also has a 0% intro APR for balance transfers, lasting 15 months. It is accompanied by a balance transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time.
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Does Capital One Platinum Card have a 0% APR intro period for new purchases? Reply
No, the Capital One Platinum (see details, rates & fees) does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Capital One Platinum (see details, rates & fees) is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2025, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a...
Does Capital One Platinum Secured have a 0% APR intro period for new purchases? Reply
No, the Capital One Platinum Secured (see details, rates & fees) does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Capital One Platinum Secured (see details, rates & fees) is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2025, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a...
When does U.S. Bank Cash Plus card report to credit bureaus? Reply
The U.S. Bank Cash+® Visa Signature® Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. U.S. Bank reports the card’s credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the U.S. Bank Cash+ card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new U.S. Bank Cash+ credit...
What are the best 0% APR travel credit cards? Reply
One of the best 0% APR travel credit cards is the Chase Freedom Unlimited® card. It offers an intro APR of 0% for 15 months on both new purchases and balance transfers, and it rewards you with 1.5 - 5% cash back on purchases – including 5% back on travel booked through Chase.
Best 0% APR Travel Credit Cards in 2025
Purchase Intro APR: 0% for 15 months
Transfer Intro APR: 0% for 15 months
Regular APR: 18.74% - 28.24% (V)
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Initial Bonus: $200 for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 12 months from account opening
Transfer Intro APR: Not Offered
Regular APR: 18.74%, 24.74%, or 28.74% Variable
Balance Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)
Initial Bonus: 20,000 points for spending $1,000 on purchases in the first 3 months
Ongoing Rewards: 3 points per $1 spent on restaurant, travel, gas stations, transit, popular streaming services and phone plans, as well as 1 point per $1 spent on other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 15 billing cycles
Transfer Intro APR: 0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR: 17.74% - 27.74% Variable
Balance Transfer Fee: 3% for 60 days from account opening, then 4%
Initial Bonus: 25,000 points for spending $1,000 in the first 90 days
Ongoing Rewards: 1.5 points per $1 spent on all purchases
Annual Fee: $0
Credit Score: Excellent
Purchase Intro APR: 0% for 15 billing cycles
Transfer Intro APR: 0% for 15 billing cycles
Regular APR: 17.74% - 27.74% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: 20,000 points for spending $1,000 in the first 90 days
Ongoing Rewards: 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per $1 spent on travel, 4 points per $1 at gas stations and EV charging stations (on the first $1,000 spent each quarter), 2 points per $1 at grocery stores, 2 points per $1 on dining and streaming services, and 1 point per $1 on all other purchases
Annual Fee: $0
Credit Score: Excellent
Purchase Intro APR: 0% for 12 months
Transfer Intro APR: Not Offered
Regular APR: 20.24% - 28.74% (V)
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Initial Bonus: 30,000 miles for spending $1,000 in the first 3 months
Ongoing Rewards: 2 miles per $1 spent with United, 2 miles per $1 spent on gas station purchases, local transit and commuting, and 1 mile per $1 spent on all other purchases
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 6 months
Transfer Intro APR: 0% for 15 months
Regular APR: 19.49% - 29.74% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: 45,000 points after spending $1,000 in the first 90 days
Ongoing Rewards: 6 points per $1 spent Wyndham hotels purchases and on gas, 4 points per $1 spent on dining and groceries, and 1 point on all other purchases
Annual Fee: $75
Credit Score: Good
Most of the cards listed above do not have a foreign fee. For more choices, see our full list of the best travel credit cards and the best 0% APR credit cards.
Featured Credit Cards
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