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 make new purchases without having to pay interest for 12 months or longer.

Best 0% APR Credit Cards

Best Personal 0% APR Credit Cards

Chase Freedom
The Chase Freedom is one of my favorite credit cards.  It has no annual fee and earns 5% cash back on up to $1,500 spent in rotating 5 percent bonus categories each quarter and 1% on all other purchases. Chase Freedom® is technically a cash back card only and points earned using the Chase Freedom cannot be directly transferred to airlines and hotel programs.  However, if you have a Chase Sapphire Preferred CardChase Sapphire Reserve card or Chase Ink Business Preferred card you can transfer your points from your Chase Freedom account to one of those accounts and then from there to the various Chase Ultimate Rewards transfer partners.
0% Intro APR on Purchases for 15 months
No annual fee
Welcome Bonus: Earn $200 cash back after spending $500 on purchases in first 3 months.

Chase Freedom Unlimited
The Chase Freedom Unlimited is another one of my favorite credit cards.  It has no annual fee and earns an unlimited 1.5% cash back on ALL purchases. Chase Freedom Unlimited is technically a cash back card only and points earned cannot be directly transferred to airlines and hotel programs.  However, if you have a Chase Sapphire Preferred Card, Chase Sapphire Reserve card or Chase Ink Business Preferred card you can transfer your points from your Chase Freedom Unlimited account to one of those accounts and then from there to the various Chase Ultimate Rewards transfer partners.
0% intro APR on purchases for 15 months
No annual fee
Welcome Bonus: Earn $200 cash back after spending $500 on purchases in first 3 months.

Wells Fargo Cash Wise Visa® card

The Wells Fargo Cash Wise Visa® card earns unlimited 1.5% cash rewards on purchases; 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening; Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when paying monthly cellular telephone bill with this card.
0% APR on purchases for 15 months
$0 annual fee
Welcome Bonus: Earn $150 cash rewards bonus after spending $500 in the first 3 months

Blue Cash Preferred® Card
The Blue Cash Preferred® Card earns 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases) and on select U.S. streaming subscriptions; 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and gas at U.S. gas stations and 1% cash back on other purchases.
0% APR on purchases period for 12 months
$95 annual fee
Welcome Bonus: Earn $300 cash back after spending $1,000 in purchases in first 3 months of card membership.

VentureOne® Rewards from Capital One®
The VentureOne® Rewards from Capital One® earns an unlimited 1.25 miles per dollar on every purchase and has no foreign transaction fees
0% intro APR for 12 months
No annual fee
Welcome bonus: Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening

Quicksilver® from Capital One®
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro APR for 15 months; 0% intro APR for 15 months on balance transfers.
$0 Annual Fee
No foreign transaction fees
Welcome bonus: Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening

SavorOne® Rewards from Capital One®
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
No foreign transaction fees
0% intro APR for 15 months; Transfer Info 0% intro APR for 15 months on balance transfers
No annual fee.
Welcome bonus:  Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Best Business 0% APR Credit Cards

Chase Ink Business Unlimited
The 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.

Chase Ink Business Cash
The Chase Ink Business Cash earns 5% 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.

Here is a comparison of the best 0% APR credit cards.

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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