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.