Wondering what is the best 0% APR credit card? If money is tight right now, this is a great time to consider cards that will earn you a welcome bonus PLUS that you can use for new purchases without having to pay interest for 12 months or more.
If you need to keep a credit card balance (which we do NOT recommend), consider transferring balances to a new credit card with a 0% APR on balance transfers to avoid high interest charges until you can pay off your balance – but keep balance transfer fees in mind.
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Best 0% APR Credit Cards
Best Personal 0% APR Credit Cards
Discover Card
This is our top choice for a credit card that earns 0% APR on new purchases and balance transfers.
• Cashback Match: Discover matches all the cash back rewards you’ve earned on your credit card in your first year so you will be effectively earning double.
• Earns 5% cash back on up to $1,500 spent in rotating 5 percent bonus categories each quarter (but you need to remember to activate it each quarter).
• They offer a referral program so you can earn cash for referring friends and family
• No annual fee
• 0% intro APR for 14 months
• 0% intro APR for 14 months
• Welcome Bonus: Earn a $50 Statement Credit ($100 with the cashback match) after you apply through your friend’s referral link and make your first purchase within 3 months of being approved.
Chase Freedom Flex
The new Chase Freedom Flex is one of the best no annual fee cards.
• Earns 5% cash back on up to $1,500 spent in rotating 5 percent bonus categories each quarter (but you need to remember to activate it each quarter).
• Earn 5% cash back on travel purchased through Chase; 3% on drugstores and dining at restaurants (including takeout and eligible delivery services); and 1% on all other purchases.
• 0% intro APR for 15 months from account opening on purchases
• Earn points for referring card to friends and family through the Chase refer a friend program
• No annual fee
• Welcome Bonus: Earn $200 bonus after spending $500 on purchases in first 3 months
Click here to read more.
Chase Freedom Unlimited
• Earn 5% cash back on travel purchased through Chase; 3% on drugstores and dining at restaurants (including takeout and eligible delivery services); and 1.5% on all other purchases.
• 0% intro APR for 15 months from account opening on purchases
• Earn points for referring card to friends and family through the Chase refer a friend program
• No annual fee
• Welcome Bonus: Earn $200 bonus after spending $500 on purchases in first 3 months
Click here to read more.
Blue Cash Preferred® Card
• Earns 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases.
• 0% APR for 12 months on new purchases
• No annual fee for the first year, then $95
• Welcome Bonus: Earn $300 after spending $3,000 in purchases in first 6 months of card membership AND earn up to $200 Back in statement credits on eligible purchases at select U.S. home furnishing stores within your first 3 months of Card Membership.
Blue Cash Everyday® Card
• Earns 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases); 2% cash back at U.S. gas stations; 2% cash back at select U.S. department stores and 1% cash back on other purchases.
• 0% APR for 15 months on purchases
• No annual fee
• Welcome Bonus: Earn $200 cash back after spending $1,000 in purchases in first 3 months of card membership AND earn Up to $200 Back in statement credits
on eligible purchases at select U.S. home furnishing stores within your first 3 months of Card Membership.
U.S. Bank Altitude® Go Visa Signature® Card
• Earns 4X points on takeout, food delivery and dining; 2X points at grocery stores, grocery delivery, gas stations and on streaming services; and 1X point per $1 on all other eligible purchases
• Get $15 credit for annual streaming service purchases such as Netflix and Spotify
• 0% introductory APR for the first 12 billing cycles on new purchases
• 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. There is a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
• No annual fee
• Welcome Bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
Wells Fargo Cash Wise Visa
• Earns an unlimited 1.5% cash rewards on purchases
• Earns 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
• Cell phone protection helps protect your cell phone from damage or theft
• No Annual fee
• 0% Intro APR for 15 months on purchases
• 0% Intro APR for 15 months on qualifying balance transfers. Balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater.
• Welcome Bonus: Earn a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Best Business 0% APR Credit Cards
Chase Ink Business Unlimited
• Earns 1.5% cash back rewards on every purchase.
• Earn points for referring card to friends and family to other businesses through the Chase refer a friend program
• 0% introductory APR for 12 months on purchases
• No annual fee
• Welcome bonus: $750 bonus cash back after spending $7,500 on purchases in the first 3 months after account opening.
Click here to read more.
Chase Ink Business Cash
• Earns 5% cash back in the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year and 1% cash back on all other purchases.
• Earn points for referring card through the Chase refer a friend program
• 0% introductory APR for 12 months on purchases
• No Annual Fee
• Welcome bonus: $750 bonus cash back after spending $7,500 on purchases in the first 3 months after account opening.
Click here to read more.
These are the best 0% APR cards that offer zero percent interest on new purchases and/or balance transfers.
