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Best 0% APR Credit Cards
WalletHub makes it easy to find the best 0% interest credit cards.
The best 0% credit cards are interest-free for 15-21 months and do not charge annual fees, enabling cardholders to avoid interest while paying down big purchases over time. Some of the best 0% interest credit card offers also give rewards on purchases and 0% APRs on balance transfers. … show more… show more
Best 0% Intro APR Credit Cards
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 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
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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
- $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
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Reflect℠ Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 20,000 miles initial bonus
- Miles equivalent of 1.25% cash back on purchases
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
- See More Details & Reviews About TheU.S. Bank Visa® Platinum Card
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Active Cash® Card
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 14.74% - 24.74%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- See More Details & Reviews About TheU.S. Bank Cash+® Visa Signature® Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- 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
- $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
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
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
BankAmericard® credit card BankAmericard® credit card

- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- Low balance transfer intro APR for 18 billing cycles
- Low purchase intro APR for 18 billing cycles
- No annual fee
- $100 initial rewards bonus
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBankAmericard® credit card
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Customized Cash Rewards credit card
Best 0% APR Credit Cards in 2022

Wells Fargo Reflect℠ Card
The best intro 0% APR credit card is the Wells Fargo Reflect℠ Card because it has zero interest for up to 21 months from account opening on purchases and zero interest for up to 21 months from account opening on qualifying balance transfers.
Wells Fargo Reflect also has a $0 annual fee, and its balance transfer fee is 3% intro for 120 days, then up to 5% (min $5). The card’s regular APR is 13.74% - 25.74% Variable.
U.S. Bank Visa® Platinum Card
The best 0% APR credit card for people with excellent credit is the U.S. Bank Visa® Platinum Card. This card offers an introductory APR of 0% for 20 billing cycles, and it has a $0 annual fee.
Citi® Diamond Preferred® Card
One of the best 0% intro APR credit cards for people with good credit is the Citi® Diamond Preferred® Card because it offers 12 months on purchases and 21 months on balance transfers. This card has a $0 annual fee, too. Its regular APR is 14.49% - 24.49% (V), depending on creditworthiness, and its balance transfer fee is 5% (min $5).
Chase Freedom Unlimited®
The best 0% credit card from Chase is Chase Freedom Unlimited®. It offers an intro rate of 0% for 15 months on new purchases as well as on balance transfers, and has a $0 annual fee.
Chase Freedom Unlimited also rewards cardholders with 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). This card is available to people with good credit or better.
Capital One Quicksilver Cash Rewards Credit Card
The best 0% APR credit card from Capital One is the Capital One Quicksilver Cash Rewards Credit Card because it offers an introductory APR of 0% for 15 months on both purchases and balance transfers, and has a $0 annual fee. This card also gives great rewards, including 1.5 - 5% cash back. Its regular APR is 15.24% - 25.24% (V) and the balance transfer fee is 3%.
Best 0% Credit Cards Comparison
Credit Card | 0% Intro Purchase APR | Regular APR |
Wells Fargo Reflect℠ Card | 0% for up to 21 months from account opening | 13.74% - 25.74% Variable |
U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 15.24% - 25.24% (V) |
Citi® Diamond Preferred® Card | 0% for 12 months | 14.49% - 24.49% (V) |
Chase Freedom Unlimited® | 0% for 15 months | 15.24% - 23.99% (V) |
Capital One Quicksilver Cash Rewards Credit Card | 0% for 15 months | 15.24% - 25.24% (V) |
Interest-Free Credit Card Tips & Takeaways
- Key Traits: The two key things the most popular 0% APR credit cards usually have in common are no annual fee and a long 0% intro period.
- Best Terms: The best no-interest credit cards are interest-free for the first 15 to 20 months and have $0 annual fees.
- Best Approach: Credit cards with 0% intro APRs usually have high regular APRs, so your best bet is to repay your full balance during a card’s 0% term.
- Minimum Credit Score: No interest credit cards usually require a minimum of good or excellent credit for approval. You can check your latest credit score for free on WalletHub to see where you stand.
- Options for Fair Credit: If you’re looking for a 0% credit card for fair credit, consider a store credit card. Many retailers offer 0% financing for an extended period of time. You just have to watch out for a feature called deferred interest, which some store cards have. It could affect you if you don’t repay your full balance by the end of the low-interest intro period.
- Bad Credit Alternatives: You won’t find any 0% credit cards for bad credit. If you have bad credit, the best approach is to improve your credit score with a secured credit card and save your big-ticket purchases until you can qualify for a better financing deal.
- Balance Transfer Cards: If you’re in the market for a 0% interest credit card to reduce the cost of existing debt, you should prioritize cards with long 0% intro periods for balance transfers, as well as, low balance transfer fees. The easiest way to evaluate the total cost of a balance transfer card is to use a balance transfer calculator.
Methodology for Selecting the Best 0% Interest Credit Cards
To identify the best 0% APR credit card offers, WalletHub editors routinely compare 1,500+ credit cards and calculate the expected savings for the average cardholder when paying off a purchase of $5,000 over the course of 24 months. These calculations gauge how long each card’s 0% introductory APR for new purchases lasts after opening an account, as well as whether the potential savings are diminished at all by fees or the card’s regular.
Approval requirements are also factored into this analysis, as we try to select the best no-interest credit cards for each credit level. Features such as rewards are used as a tiebreaker only.
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
0% APR Credit Cards FAQ
Comparing 0% apr credit card 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
Financing big-ticket purchases with a 0% APR credit card enables us to save hundreds on interest without putting off important spending until we have enough cash on hand. But it can also be a recipe for disaster, giving us the freedom to rack up more debt than we can afford and setting the stage for a rude and costly awakening when regular rates take effect. As a result, some people are hesitant to use 0% cards, others overindulge, and only a select few wield them to maximum effect.
So in the hopes of demystifying 0% credit cards and helping consumers save more money, WalletHub posed the following questions to a panel of leading credit experts. You can check out their bios and responses below.
- Why do banks offer 0% credit cards?
- Are 0% credit cards a trap?
- What types of expenses should a 0% credit card be used for, and vice versa?
- How much is a 0% intro rate worth to a consumer? And how does the length of that intro term affect the value?
- Are 0% credit cards immoral because they encourage debt?
- Are 0% credit cards to blame for rising credit card debt levels?
Ph.D., Associate Professor, and Master's Program Coordinator, David B. O'Maley College of Business, Daytona Beach Campus, Embry-Riddle Aeronautical University
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Ph.D., Assistant Professor of Economics, School of Business, Lincoln Memorial University
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MBA, GrowthWheel Certified Business Advisor, Nav Certified Credit & Lending Specialist, Director, Entrepreneurial Support Program, UIC Business - University of Illinois at Chicago
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Ph.D., Professor, South Dakota State University, Ness School of Management and Economics
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Ph.D., Associate Professor of Finance, Pompea College of Business, University of New Haven
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Professor of Accounting, Moore Fellow, Darla Moore School of Business, University of South Carolina
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