The Travel Sisters has partnered with CardRatings for our coverage of credit card products. The Travel Sisters and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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 and that you can use for new purchases without having to pay interest for 12 months or longer.

If you need to keep a credit card balance (which we don’t recommend), consider transferring balances to a new card with a 0% APR to avoid high interest charges until you can pay off your balance – but keep in mind balance transfer fees.

Best 0% APR Credit Cards

Best Personal 0% APR Credit Cards

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
•   No annual fee
•   Welcome Bonus: Earn $200 bonus after spending $500 on purchases in first 3 months AND earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
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
•  No annual fee
•  Welcome Bonus: Earn $200 bonus after spending $500 on purchases in first 3 months AND earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Click here to read more.

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 on purchases period for 15 months
•   No annual fee
•   Terms Apply
•   Welcome Bonus: Earn $150 cash back after spending $1,000 in purchases in first 3 months of card membership.

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  and 1% cash back on other purchases.
•   0% APR on purchases period for 12 months
•   $95 annual fee
•   Terms Apply
•   Welcome Bonus: Earn $250 statement credit after spending $1,000 in purchases in first 3 months of card membership.
Click here to read more.

VentureOne® Rewards from Capital One®
•   Earn unlimited 1.25 miles per dollar on every purchase
•   0% intro APR for 12 months
•   No Annual Fee and No Foreign Transaction Fees
•  Welcome bonus: Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening (equal to $200 in travel)

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
•   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 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $250 value redeemable towards merchandise, gift cards, cash back, travel and more.

U.S. Bank Cash+ Visa Signature® Card
•   Earns 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose; 2% cash back on one everyday category, like gas stations, grocery stores or restaurants; 1% cash back on all other eligible net purchases. Here is the list of categories.
•   0% intro APR on balance transfers for 12 billing cycles. 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: $200 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

Best Business 0% APR Credit Cards

Chase Ink Business Unlimited
•   Earns 1.5% cash back rewards on every purchase.
•   0% introductory APR for 12 months on purchases
•   No annual fee
•   Welcome bonus: $500 bonus cash back after spending $3,000 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.
•   0% introductory APR for 12 months on purchases
•   No Annual Fee
•   Welcome bonus: $500 bonus cash back after spending $3,000 on purchases in the first 3 months after account opening.
Click here to read more.

These are the best 0% APR cards but there are more cards that offer zero percent interest on new purchases and/or balance transfers. To make it easier to compare cards, here is a comparison of zero interest credit cards and best cards for balance transfers.

Best Zero Percent Interest Credit Cards for New Purchases and Balance Transfers

The Travel Sisters has partnered with CardRatings for our coverage of credit card products. The Travel Sisters and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
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