0% APR Rewards Credit Cards
WalletHub makes it easy to find the best credit card for you.
Given that 0% rewards credit cards allow you to earn points, miles or cash back on each dollar that you charge and do not assess finance charges when you don’t pay your bill in full during the first few months of card membership, they can be quite lucrative. However, 0% interest rewards credit cards can also be dangerous. The lack of accountability that comes with not initially having finances charges combined with the allure of rewards can certainly lead to overspending. As a result, you must make sure to be especially cautious when using these types of cards. There are two different general strategies that you can apply to 0% APR rewards credit card use. First, if you have the money to pay for your purchases in full, you can deposit these funds into a bank account each month, rather than giving them to your credit card company. This will allow you to effectively earn both earn rewards and interest on your spending. When the 0% intro term ends, you can simply withdraw your money from the bank account and pay off your balance. Alternatively, if you are opening a 0% card with rewards because you don't have the cash to pay off specific purchases before the end of the month, you can use a credit card payoff calculator to double check that you will be able to pay down the majority of their cost before the intro period ends and high regular rates take effect. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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13.49% - 24.49% (V)
Rewards Details
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
- Earn unlimited 1% cash back on all other purchases – automatically.
- INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
Additional Info
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.49% - 23.49% (V)
Rewards Details
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
- New! Earn 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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0% for 9 monthsTransfer Fee: 3%
Regular APR
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14.49% - 24.49% (V)
Rewards Details
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- 0% intro APR on purchases for 9 months; 14.49%-24.49% variable APR after that
- Balance transfers also have a 0% intro APR for 9 months; 14.49%-24.49% variable APR after that; a 3% fee applies to each balance transferred
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Cash Rewards Credit Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.49% - 25.49% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 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 and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months See details for transfer fee
Regular APR
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16.49% - 25.24% (V)
Rewards Details
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.49% - 25.49% (V)
Rewards Details
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months See details for transfer fee
Regular APR
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16.49% - 25.24% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: $0 for the first 60 days
Regular APR
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14.49% - 25.49% (V)
Rewards Details
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About The Amex EveryDay® Credit Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.99% - 24.99%* (V)
Rewards Details
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Additional Info
- Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- No annual fee*
- See More Details & Reviews About TheCiti ThankYou® Preferred Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3%
Regular APR
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13.49% - 24.49% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
Additional Info
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® - 18 Month Balance Transfer Offer
Community Discussion
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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.
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