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WalletHub 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 the latest 0% offers from Capital One (a WalletHub partner) listed below.… show moreÂ
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Best Capital One 0%Â Intro APR Credit Cards in 2022
- Cash Back:Â Capital One Quicksilver Cash Rewards Credit Card
- Travel Rewards:Â Capital One VentureOne Rewards Credit Card
- Dining & Entertainment:Â Capital One SavorOne Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
Pottery Barn Credit Card Pottery Barn Credit Card
- 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 excellent credit
Pottery Barn Store Card Pottery Barn Store Card
- No membership fees
- 0% intro APR on purchases
- 10% back in rewards initial rewards bonus
- No deferred interest
- High Regular APR
Union Plus Credit Card Union Plus Credit Card
- 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
Williams Sonoma Credit Card Williams Sonoma Credit Card
- 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 excellent credit
Best Capital One 0% Intro APR Credit Cards
The best 0% APR Capital One credit card is the Capital One Quicksilver Cash Rewards Credit Card because it offers introductory APRs of 0% for 15 months on purchases and balance transfers. Capital One Quicksilver 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 16.49% to 26.49% (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 |
| Capital One Quicksilver Cash Rewards Credit Card | 0% for 15 months | 0% for 15 months | 16.49% - 26.49% (V) |
| Capital One VentureOne Rewards Credit Card | 0% for 15 months | 0% for 15 months | 16.49% - 26.49% (V) |
| Capital One SavorOne Cash Rewards Credit Card | 0% for 15 months | 0% for 15 months | 16.49% - 26.49% (V) |
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.show more
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Are there any Capital One no interest credit cards for 18 months? Reply
No, there aren’t any Capital One credit cards that have no interest for 18 months. The longest zero interest a Capital One card offers is for 15 months.
Other Capital One credit cards with a long intro APR:
If you‘re looking for a Capital One credit card with no interest, you should consider the Capital One Quicksilver Cash Rewards Credit Card. It offers an intro APR of 0% for 15 months on new purchases and qualifying balance transfers. The card’s regular APR is 16.49% - 26.49% (V) and its balance transfer fee is 3%.
The Capital One SavorOne Cash Rewards Credit Card also comes with a 0% intro APR for 15 months on new purchases and qualifying balance transfers. The card has a regular APR of 16.49% - 26.49% (V), and its balance transfer fee is 3%.
Alternative 18 Months Interest Free Credit CardÂ
If you’re not tied to Capital One as an issuer, you should consider the Bank of America® Travel Rewards credit card, instead. It offers an intro APR of 0% for 18 billing cycles on new purchases and balance transfers made in the first 60 days. This card’s regular APR is 16.24% - 26.24% Variable. Balance transfers are subject to a fee of 3% (min $10).
Ultimately, you could also check out 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 Card 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 Card is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2022, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.
Does Capital One Quicksilver Card have a 0% APR intro period for new purchases? Reply
Yes, the Capital One Quicksilver Card 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 Card will be subject to the regular APR of 16.49% - 26.49% (V).
Since the average 0% intro APR for new purchases lasts 12 months, the Capital One Quicksilver Card offer is above average. The Capital One Quicksilver Card also has a 0% intro APR for balance transfers, lasting 15 months. It is accompanied by a balance transfer fee of 3%.
It's important to remember that even though you don't pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, since you'll want to pay off the credit card balance before the regular APR kicks in. For help planning your payments, try out WalletHub's Credit Card Calculator.
Does Capital One Platinum Card have a 0% APR intro period for new purchases? Reply
No, the Capital One Platinum Card 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 Card is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2022, selected by WalletHub's editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.
Does Capital One Platinum Secured have a 0% APR intro period for new purchases? Reply
No, the Capital One Platinum Secured Card 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 Card is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2022, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.
Featured Credit Cards
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† 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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