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 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.

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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