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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, helping cardholders 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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0% APR CREDIT CARDS
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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
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
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
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- $0 annual fee
- $200 statement credit initial bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
My GM Rewards Card™ My GM Rewards Card™
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 15,000 points initial rewards bonus
- No intro APR on balance transfers
- Requires good/excellent credit
Discover it® Cash Back Discover it® Cash Back
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
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
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
Citi Custom Cash℠ Card Citi Custom Cash℠ Card

- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
Best 0% APR Credit Cards in 2022

Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card is the best intro 0% APR credit card overall.
Why We Like It: The Wells Fargo Reflect® Card has zero introductory interest for up to 21 months from account opening on purchases and zero introductory interest for up to 21 months from account opening on qualifying balance transfers. Wells Fargo Reflect also has a $0 annual fee.
What We Don’t Like: This card’s balance transfer fee is 3% intro for 120 days, then up to 5% (min $5), and its regular APR is 15.24% - 27.24% Variable.
Who Should Get It: Apply for the Wells Fargo Reflect® Card if you have good credit or better and need to avoid interest for months.
Alternatives to Consider: The U.S. Bank Visa® Platinum Card is another great option, whether you’re planning a big-ticket purchase or a balance transfer.
U.S. Bank Visa® Platinum Card
The U.S. Bank Visa® Platinum Card is one of the best 0% APR credit cards for people with above-average credit.
Why We Like It: This card offers an introductory APR of 0% for 20 billing cycles, and it has a $0 annual fee.
What We Don’t Like: This offer would be better if it had a lower balance transfer fee and a lower regular APR. The transfer fee is 3% (min $5), and the regular interest rate is 16.74% - 26.74% (V).
Who Should Get It: Consider applying for the U.S. Bank Visa® Platinum Card if you have good credit and you’ll be able to pay off your balance within 20 billing cycles.
Alternatives to Consider: The Wells Fargo Reflect® Card is great for purchases or balance transfers, and the Citi® Diamond Preferred® Card is good for transfers.
Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® Card is one of the best 0% intro APR credit cards for people with good credit who want to transfer a balance.
Why We Like It: Citi Diamond Preferred offers an intro APR of 0% for 12 months on purchases and 0% for 21 months on balance transfers. This card has a $0 annual fee, too.
What We Don’t Like: The regular APR is 15.99% - 25.99% (V), depending on creditworthiness, and its balance transfer fee is 5% (min $5). Both features could be better.
Who Should Get It: Consider applying for the Citi® Diamond Preferred® Card if you have good credit and the card’s transfer terms will save you money. You can crunch the numbers using WalletHub’s balance transfer calculator.
Alternatives to Consider: The Wells Fargo Reflect® Card and the Union Bank® Platinum™ Credit Card are elite balance transfer cards, too.
Chase Freedom Unlimited®
Chase Freedom Unlimited® is one of the best all-around credit cards with an introductory 0% APR.
Why We Like It: Chase Freedom Unlimited offers an intro rate of 0% for 15 months on new purchases as well as on balance transfers, and it 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.
What We Don’t Like: Like most 0% credit cards and most elite rewards cards, Chase Freedom Unlimited has a fairly high regular APR. Also, like with most balance transfer cards these days, Freedom Unlimited’s transfer fee has to be taken into account.
Who Should Get It: Apply for Chase Freedom Unlimited if its rewards match up well with your spending habits and its intro APRs can save you money. This card is available to people with good credit or better.
Alternatives to Consider: The Wells Fargo Active Cash® Card is a well-rounded offer that provides very good rewards as well as low introductory APRs.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is the best 0% APR credit card from Capital One.
Why We Like It: Capital One Quicksilver offers an introductory APR of 0% for 15 months on both purchases and balance transfers, and it has a $0 annual fee. This card also gives great rewards, including 1.5 - 5% cash back on purchases.
What We Don’t Like: This card’s regular APR is 16.49% - 26.49% (V), and the balance transfer fee is 3%.
Who Should Get It: Apply for the Capital One Quicksilver if you have good credit or better and its rewards and intro rates suit you.
Alternatives to Consider: Chase Freedom Unlimited® and the Wells Fargo Active Cash® Card both have great rewards and intro 0% APR promotions.
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 | 15.24% - 27.24% Variable |
U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 16.74% - 26.74% (V) |
Citi® Diamond Preferred® Card | 0% for 12 months | 15.99% - 25.99% (V) |
Chase Freedom Unlimited® | 0% for 15 months | 16.49% - 25.24% (V) |
Capital One Quicksilver Cash Rewards Credit Card | 0% for 15 months | 16.49% - 26.49% (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.
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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