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 Unlimited
The Chase Freedom Unlimited is one of our favorite credit cards. It earns an unlimited 1.5% cash back on ALL purchases.
0% intro APR for 15 months from account opening on purchases
0% intro APR for 15 months from account opening on balance transfers (3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.)
No annual fee
Welcome Bonus: Earn $200 cash back after spending $500 on purchases in first 3 months.
Click here to read more.

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% intro APR on balance transfers for 15 months (Balance Transfer Fee: 3% for 120 days, then 5%)
$0 annual fee
Welcome Bonus: Earn $150 cash rewards bonus after spending $500 in the first 3 months
Click here to read more.

Wells Fargo Propel American Express® Card
The Wells Fargo Propel American Express® Card earns 3x points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals; popular streaming services; and earns 1x points on other purchases.
Other Features: No foreign currency conversion fees; Cell phone protection helps protect your cell phone from damage or theft; 0% introductory APR for 12 months on new purchases and balance transfers
0% APR on purchases for 12 months
0% APR on balance transfers for 12 months (balance transfer fee is 3% for 120 days, then 5%)
$0 annual fee
Welcome Bonus: Earn 20,000 bonus points ($200 cash redemption value) when you spend $1,000 in purchases in the first 3 months.
Click here to read more.

Blue Cash Everyday® Card
The 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 and at select U.S. department stores and 1% cash back on other purchases.
0% APR on purchases period for 15 months
0% on balance transfers for 15 months (balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater)
No annual fee
Welcome Bonus: Earn $150 cash back after spending $1,000 in purchases in first 3 months of card membership.

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
0% on balance transfer for 12 months (balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater)
$95 annual fee
Welcome Bonus: Earn $250 cash back after spending $1,000 in purchases in first 3 months of card membership.

U.S. Bank Cash+ Visa Signature® Card
The 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 your choice of one everyday category, like gas stations or grocery stores; 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 (3% balance transfer fee).
No annual fee
Welcome Bonus: $150 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
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.

These are the best 0% APR cards but there are more. To compare cards, here is a comparison of zero interest credit cards and best cards for balance transfers.