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0% Credit Cards for Good Credit
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0% CREDIT CARDS FOR GOOD CREDIT
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
→
16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Capital One Quicksilver Cash Rewards Credit Card is a very good everyday rewards card for people with a good credit score. The Quicksilver Card is worth considering thanks to benefits that include a $0 annual fee, an intro APR of 0% for 15 months on purchases and balance transfers, and rewards of 1.5 - 5% cash back on purchases. It also has a $0 foreign transaction fee and a nice initial rewards bonus: $200 for new cardholders who spend $500 within 3 months of opening an account.
Read our editor's full Capital One Quicksilver review.
Pros
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
Cons
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express
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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16.99% - 27.99% (V)
WalletHub's Take: The American Express Blue Cash Everyday Card is a good credit card for people with a 700+ credit score. Amex Blue Cash Everyday is especially worthwhile for applicants who want a $0 annual fee and bonus rewards on U.S. supermarket, U.S. gas station and U.S. online retail purchases. The Blue Cash Everyday Card also offers 0% introductory APRs and a $200 statement credit for spending $2,000 in the first 6 months.
Read our editor's full Amex Blue Cash Everyday review.
Pros
- $0 annual fee
- $200 statement credit initial bonus offer
- High rewards rate
Cons
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
Wells Fargo Reflect® Card Wells Fargo Reflect® Card
Purchase Intro APR
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0% up to 21 months from account opening
Transfer Intro APR
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0% up to 21 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
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15.99% - 27.99% Variable
WalletHub's Take: The Wells Fargo Reflect® Card is a good credit card that’s worth it for people with good credit who want to avoid interest charges on new purchases and qualifying balance transfers for 18-21 months after opening an account. Wells Fargo Reflect has a $0 annual fee, and it offers 0% intro APRs for 18 months from account opening, but you can add three extra months by making on-time minimum payments during the intro period.
Read our editor's full Wells Fargo Reflect review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1.25 - 5 miles / $1
Minimum Credit
Good
WalletHub's Take: The Capital One VentureOne Rewards Credit Card is a good travel rewards credit card that is worth it for people who don’t spend enough to justify paying an annual fee. Capital One VentureOne has a $0 annual fee, a $0 foreign transaction fee, and solid rewards. Those rewards include 20,000 miles as an initial bonus for spending $500 in the first 3 months, along with an ongoing earning rate of 1.25 miles / $1 on most purchases.
Read our editor's full Capital One VentureOne review.
Pros
- 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
Cons
- Balance transfer fee
- Potential for a very high regular APR
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers on a limited budget. In addition to a $0 annual fee, SavorOne offers cash rewards so rich you can practically taste them, starting with a $200 initial bonus for spending $500 within 3 months of opening your account.
Read our editor's full Capital One SavorOne review.
Pros
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
Cons
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
Purchase Intro APR
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0% for 15 months from account opening
Transfer Intro APR
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0% for 15 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
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17.99% - 27.99% Variable
WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting up to $600 in cell phone protection.
Read our editor's full Wells Fargo Active Cash review.
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Discover it® Cash Back Discover it® Cash Back
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
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14.24% - 25.24% Variable
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Discover it® Cash Back card is a good credit card that's worthwhile for people with a credit score of 700+ who want a $0 annual fee and a high cash back rewards rate. Discover it® Cash Back offers up to 5% cash back on purchases in bonus categories, and Discover will match the rewards you earn the first year. The 5% bonus categories change quarterly and require activation, though.
Read our editor's full Discover it Cash Back review.
Pros
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
Cons
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
Citi Custom Cash℠ Card Citi Custom Cash℠ Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 5% (min $5)
Regular APR
→
16.24% - 26.24% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Citi Custom Cash℠ Card is a good credit card for people with a 700+ credit score who want to automatically earn an above-average rewards rate in their biggest spending category each month. Citi Custom Cash is most worthwhile for relatively light spenders, as its 5% rewards rate only lasts up to $500 spent per billing cycle.
Read our editor's full Citi Custom Cash review.
Pros
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
Cons
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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15.99% - 25.99% (V)
WalletHub's Take: The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The card also has a $0 annual fee and a balance transfer fee of 5% (min $5).
Read our editor's full Citi Diamond Preferred review.
Pros
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
Cons
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
Chase Slate Edge℠ Chase Slate Edge℠
Purchase Intro APR
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0% for 18 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
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17.24% - 25.99% (V)
WalletHub's Take: The Chase Slate Edge℠ card is a pretty good credit card for people with a 700+ credit score who want 0% introductory APRs as well as a regular APR that can get cheaper with good behavior over time. Plus, Slate Edge is easily worthwhile, given its $0 annual fee. On the other hand, Slate Edge is not the best choice for people who want to earn rewards. The card does not offer any rewards on purchases.
Read our editor's full Slate Edge review.
Pros
- 0% for 18 months on purchases and balance transfers
- $0 annual fee
Cons
- High regular APR likely
- Balance transfer fee
NO FOREIGN FEE
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Questions & Answers
Comparing 0% credit cards for good credit 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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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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