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Home Credit Cards 0% APR Credit Cards

Best 0% APR Credit Cards of May 2025: 0% Interest for up to 24 Months

0 interest credit cards

At a glance

0% APR credit cards are a great tool for consolidating your debts or financing large purchases. A no-interest credit card allows you to tackle large expenses without drowning in interest charges, or to speed up your debt repayment plan.

Written by Jessica Norris

Reviewed by Kari Dearie

Updated Oct 26, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

0% APR Credit Cards

Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
wells fargo active cash card
Wells Fargo Active Cash℠ Card Apply
Overall 670–850 $0 $200 cash back Apply
us bank platinum visa card
U.S. Bank Platinum Visa® Card Apply
Longest 0% APR Period 740–850 $0 Apply
wells fargo reflect card
Wells Fargo Reflect℠ Card Apply
Balance Transfers 670–850 $0 Apply
us bank business platinum card
U.S. Bank Business Platinum Card Apply
Business Balance Transfers 740–850 $0 Apply
Discover It Cash Back credit card
Discover it® Cash Back Credit Card Apply
No Annual Fee 670–850 $0 Cashback match Apply
capital one quicksilver rewards
Capital One® Quicksilver® Rewards Apply
Frequent Travelers 740–850 $0 3% cash back Apply
citi simplicity card
Citi Simplicity® Card Apply
Low Maintenance 670–850 $0 Apply
SavorOne Rewards from Capital One
Capital One® SavorOne® Rewards Apply
Entertainment 670–850 $0 $200 Apply
American Express Blue Cash Everyday Card
American Express Blue Cash Everyday® Apply
Amex 740–850 $0 $100 cash back
20% cash back
Apply
Chase Freedom Unlimited credit card
Chase Freedom Unlimited® Credit Card Apply
Everyday Cash Back 670–850 $0 $200 cash back
5% back on groceries
Apply
Bank of America BankAmericard
Bank of America BankAmericard® Apply
Low Regular Interest 670–850 $0 Apply
Chase Ink Business Cash credit card
Chase Ink Business Cash® Credit Card Apply
Rewards for Businesses 670–850 $0 $900 cash back Apply

Table of Contents

  1. Best no-interest credit cards
  2. How do 0% APR credit cards work?
  3. What credit score do you need for a 0% APR credit card?
  4. Can I get a 0% APR credit card if I have fair credit?
  5. How to choose a 0% APR credit card
  6. FAQs

Credit card APR (annual percentage rate) is the yearly rate of interest your credit card charges on unpaid balances. Credit cards tend to have APRs between 13%–23%, which can cost borrowers hundreds (or even thousands) of dollars in interest charges over time.

However, there’s a solution to high interest rates: 0% APR credit cards. This type of credit card, also called a zero-interest credit card, offers an introductory 0% APR for a certain period. This usually lasts 6–18 months, but it can go as high as 24 months.

0% APR cards are commonly used to finance big upcoming expenses or as balance transfer credit cards. Balance transfer cards allow borrowers to move debt from one card to another (ideally one with zero interest) to consolidate debt and ease the cost of repayment.

If you’re in the market for a 0% APR credit card (whether for debt consolidation or to space out paying off a large purchase), there are plenty of cards available. Read on to find out which 0% APR credit card is most suitable for your needs.

Best no-interest credit cards

Here are the best 0% APR credit cards available today.

Best overall 0% APR credit card

Overall

Wells Fargo Active Cash℠ Card

wells fargo active cash card Apply Now

on Wells Fargo's secure site

Rates & Fees
4.8
Annual Fee

$0

Credit Score

670–850

Purchase APR

18.74%–28.74% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    $200 cash back when you spend $1,000 in the first 3 months

  • All Purchases

    2% cash back on all eligible purchases

Why It's Great

As zero-interest credit cards go, the Wells Fargo Active Cash℠ Card is an excellent all-around pick. You may be able to find cards with longer 0% APR offers, better rewards in certain categories, or better benefits, but if you’re looking for one card that ticks as many boxes as possible, the Wells Fargo Active Cash℠ Card is superb.

New cardholders get a 15-month 0% introductory APR for purchases and balance transfers. As with many similar cards, you have a time limit to transfer your balance after you open your Wells Fargo Active Cash℠ Card account: after 120 days, you lose the 0% APR and the reduced balance transfer fee of 3% (which then goes up to 5% or $5, whichever is greater).

The rewards and perks of the Wells Fargo Active Cash℠ Card include:

  • Unlimited cash rewards at a flat rate of 2%
  • A welcome bonus of $200 in cash rewards if you spend $1,000 on purchases during the first 3 months of getting your card
  • Cell phone insurance for up to $600 when you use your card to pay your monthly cell phone bill (subject to a $25 deductible)
  • Standard benefits like emergency cash disbursement and card replacement, travel and emergency assistance, and roadside emergency assistance

All in all, the Wells Fargo Active Cash℠ Card is a great credit card with few downsides. Foreign transaction fees do apply, though, so frequent travelers should consider a different card for going abroad.

Pros & Cons

Pros

  • No annual fee
  • 0% intro APR for 15 months
  • 2% cashback rewards
  • $200 cash rewards bonus
  • Cellphone insurance

Cons

  • May need good credit to qualify
  • Foreign transaction fees
  • Limited time to make balance transfer

Credit card with the longest 0% APR period

Longest 0% APR Period

U.S. Bank Platinum Visa® Card

us bank platinum visa card Apply Now

on U.S. Bank's secure site

Rates & Fees
3.8
Annual Fee

$0

Credit Score

740–850

Purchase APR

18.24%–28.24% (variable)

0% APR Period

18 Months

Why It's Great

If you need as long as possible to pay off your credit card balance, the U.S. Bank Platinum Visa® Card is the zero-interest card for you. There’s no annual fee, and you get 0% APR over a whopping 24 months for both balance transfers and general purchases.

If you’re doing a balance transfer, you have a time limit (60 days) to get the introductory 0% APR. There’s also a balance transfer fee of 3% (or $5, whichever is greater).

However, the biggest downside of the U.S. Bank Platinum Visa® Card is that there aren’t any cashback rewards. While the card’s benefits aren’t extensive, it does offer:

  • Cell phone insurance (for up to $600, minus a $25 deductible when you use your card to pay your monthly cell phone bill)
  • Free access to your TransUnion VantageScore credit score
  • Zero fraud liability
  • Flexible due dates for payments
  • ExtendPay, which lets you pay for purchases in fixed installments over 3–24 months (only available to some cardholders)

Ultimately, the lengthy 24-month 0% APR period is the most remarkable feature of the U.S. Bank Platinum Visa® Card. If you’re repaying a debt or financing a purchase and want to spread out your payments as much as possible, it’s currently the best card on offer.

Pros & Cons

Pros

  • 24-month 0% APR period
  • No annual fee
  • Cellphone insurance
  • ExtendPay

Cons

  • Foreign transaction fees
  • No rewards
  • No welcome bonus
  • May need good credit to qualify

Best 0% APR credit card for balance transfers

Balance Transfers

Wells Fargo Reflect℠ Card

wells fargo reflect card Apply Now

on Wells Fargo's secure site

Rates & Fees
4.6
Annual Fee

$0

Credit Score

670–850

Purchase APR

16.74%–28.74% (variable)

0% APR Period

18 Months

Why It's Great

If you need a 0% APR credit card for a balance transfer, the Wells Fargo Reflect℠ Card is a great pick. There’s no annual fee, and the introductory APR offer gives you 18–21 months with 0% APR on your balance transfers and general purchases. To get the full 21 months of 0% APR, you have to make all your minimum payments on time during the introductory and extension periods.

Many 0% APR cards give you a time limit to get the introductory 0% APR on balance transfers, usually 60 days. However, the Wells Fargo Reflect℠ Card gives you a full 120 days. If you transfer a balance to your Wells Fargo Reflect℠ Card after 120 days, you’ll have to pay the regular APR, and the balance transfer fee goes up from 3% to 5% (or $5, whichever is greater).

The benefits offered by the Wells Fargo Reflect℠ Card are a bit limited, but there’s still insurance for your cell phone (for up to $600, subject to a $25 deductible, when you use your card to pay your monthly phone bill), plus fraud protection and roadside dispatch. Although there aren’t any standard cashback rewards, you’ll be able to sign up for a program called My Wells Fargo Deals. My Wells Fargo Deals gives you rewards for purchases with specific businesses, so you may still be able to earn cash back.

Overall, the Wells Fargo Reflect℠ Card isn’t the best credit card for general use. However, for large purchases and especially for balance transfers, it has one of the best 0% APR deals around.

Pros & Cons

Pros

  • Long 0% APR period
  • No annual fee
  • Cellphone insurance

Cons

  • Foreign transaction fees
  • No traditional rewards
  • No welcome bonus
  • May need good credit to qualify

Best 0% APR credit card for business balance transfers

Business Balance Transfers

U.S. Bank Business Platinum Card

us bank business platinum card Apply Now

on U.S. Bank's secure site

Rates & Fees
4.2
Annual Fee

$0

Credit Score

740–850

Purchase APR

15.74%–24.74% (variable)

0% APR Period

18 Months

Why It's Great

The U.S. Bank Business Platinum Card is a business credit card that offers 0% APR for 20 months on both purchases and balance transfers. The long 0% intro APR period is the main advantage of this card, but it also has a potentially low regular APR of 12.24%–21.24%.

This makes it ideal for paying off large purchases or balance transfers over a long time without racking up interest charges—perfect for keeping business expenses under control.

Otherwise, the U.S. Bank Business Platinum Card is a relatively no-frills credit card, as there are no rewards or benefits programs. However, you may be eligible for the U.S. Bank’s ExtendPay plan, which lets you split large credit card purchases into monthly payments without incurring interest (although there’s a fixed monthly fee equivalent to up to 1.6% of the original principal amount).

As the U.S. Bank Business Platinum Card has foreign transaction fees, you should get a different card if your company frequently orders from abroad or takes business internationally. If you need a business credit card for everyday spending, you may be better off with one that offers rewards and benefits. However, the U.S. Bank Business Platinum Card makes a good choice for businesses trying to consolidate debt through a balance transfer.

Pros & Cons

Pros

  • $0 annual fee
  • 20-month 0% APR on purchases and balance transfers

Cons

  • No cashback rewards
  • No welcome bonus
  • Foreign transaction fees
  • May need good credit to qualify

Best 0% APR card with no annual fee

No Annual Fee

Discover it® Cash Back Credit Card

Discover It Cash Back credit card Apply Now

on Discover's secure site

Rates & Fees
4.4
Annual Fee

$0

Credit Score

670–850

Purchase APR

14.99%–25.99% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    Cashback match earns you a dollar-for-dollar match on your first-year rewards

  • Rotating Category

    5% cash back on select purchases each quarter (e.g., Amazon, grocery stores, restaurants, gas stations, and PayPal), up to the quarterly maximum

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

If you’re looking for a great deal on a no-interest credit card, the Discover it® Cash Back is certainly something to consider. This card doesn’t charge an annual fee, but has a lot to offer. It boasts 0% APR for 15 months, and massive rewards-earning potential.

Here’s how the cashback program works:

  • 5% cash back on special categories*
  • 1% cash back on all purchases
  • Unlimited cashback match on your first year of rewards (Discover will dollar-for-dollar match the rewards you earned in your first 12 months of cardholding)

*Special categories rotate each quarter and are announced on the Discover website. Examples of special categories include:

  • Grocery stores & fitness clubs
  • Gas stations & Target
  • Restaurants & PayPal
  • Amazon & digital wallets

If you’re willing to keep up with the rotating categories, you can get a lot from this card. It especially pays to be a strategic spender your first year, so you can capitalize on the cashback match as well as the 0-interest period.

Pros & Cons

Pros

  • No annual fee
  • 0% APR for 15 months
  • 1%–5% rewards rate
  • Cashback match for first year

Cons

  • Maximum limits on special categories
  • Need good credit to qualify
  • Limited acceptance abroad

Best 0% APR credit card for travelers

Frequent Travelers

Capital One® Quicksilver® Rewards

capital one quicksilver rewards Apply Now

on Capital One's secure website

Rates & Fees
4.4
Annual Fee

$0

Credit Score

740–850

Purchase APR

17.99%–27.99% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    3% cash back on all eligible purchases for the first 12 months

  • Capital One Travel

    5% cash back on hotels and rental cars booked through Capital One Travel

  • Everything Else

    1.5% cash back on all eligible purchases after 12 months

Why It's Great

Many credit cards charge foreign transaction fees of around 3%. If you plan to use your card abroad a lot, you’ll want to avoid these fees, which can quickly add up.

One card that doesn’t charge foreign transaction fees and still offers a 15-month 0% APR period is the Capital One Quicksilver Rewards credit card. On top of the 0% APR offer, it gives you a one-time $200 cash bonus for spending $500 on your card in the first 3 months. The standard cashback rewards rate of 1.5% (unlimited) is straightforward and competitive.

However, the Quicksilver Rewards credit card may be less accessible than some cards, as Capital One says that you need “excellent credit” to qualify. The benefits are also fairly basic; you get the standard perks like emergency card replacement, travel assistance services, concierge services (to help you make bookings such as for concert tickets, dinner reservations, and other events), and additional warranty protection for purchases.

However, the Quicksilver Rewards credit card is still a great choice for anyone who wants to enjoy a 0% intro APR offer without having to fork out for foreign transactions.

Pros & Cons

Pros

  • 0% APR for 15 months
  • No annual fee
  • No foreign transaction fees
  • Welcome bonus of $200
  • Cashback rewards rate of 1.5%

Cons

  • Minimal benefits
  • Need excellent credit to qualify

Best low-maintenance 0% APR credit card

Low Maintenance

Citi Simplicity® Card

citi simplicity card Apply Now

on Citibank's secure website

Rates & Fees
4.2
Annual Fee

$0

Credit Score

670–850

Purchase APR

17.74%–28.49% (variable)

0% APR Period

12–21 Months

Why It's Great

If you want a low-maintenance credit card that doesn’t require much tracking of rewards, fees, or features like special offers, the Citi Simplicity® Card is perfect. It has no annual fees, no penalty APR, and no late payment fees (although there are fees for returned payments).

You’ll get a leisurely 21 months to repay balance transfers—one of the best deals out there—and 12 months for repaying on purchases. Note that, as with many similar cards, you’ll have to perform your balance transfer within a given time limit (120 days) to get the 0% introductory APR. However, you won’t get a reduced balance transfer fee in the promotional period; the transfer fee is always 5% of the transfer amount.

In terms of benefits, you’ll get Citi Entertainment (which gives you presale tickets, special offers, VIP packages, and more), and you may also be able to use the Citi Flex Plan. The Citi Flex Plan is a way to pay for specific credit card purchases in fixed installments at a fixed interest rate over a fixed period of time that you decide in advance. You get extra credit to cover the payments without needing to extend your credit line.

The Citi Simplicity® Card has several downsides: The benefits are fairly minimal, you won’t get any rewards for using your card, and there are no welcome bonuses. However, it’s still a great card for busy people and anyone who wants a straightforward, low-effort card for purchases or debt consolidation.

Pros & Cons

Pros

  • 21-month 0% APR for balance transfers
  • 12-month 0% APR for purchases
  • No annual fee
  • No late payment fees
  • No penalty APR
  • Some cardholders can use Citi Flex Play (a payment plan that gives you extra credit to pay for eligible purchases in fixed installments)

Cons

  • Foreign transaction fees
  • No welcome bonus
  • No cashback rewards
  • May need good credit to qualify

Best 0% APR card for entertainment junkies

Entertainment

Capital One® SavorOne® Rewards

SavorOne Rewards from Capital One Apply Now

on Capital One's secure website

Rates & Fees
4.7
Annual Fee

$0

Credit Score

670–850

Purchase APR

17.99%–27.99% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    $200 if you spend $500 within 3 months

  • Capital One Entertainment

    8% cash back on purchases made on the Capital One Entertainment platform

  • Vivid Seats

    8% cash back on Vivid Seats ticket purchases

  • Dining

    5% cash back on rental cars and hotels purchased through Capital One Travel

  • Streaming Services

    3% cash back on purchases at restaurants, cafes, bars, and other dining establishments

  • Entertainment

    3% cash back on purchases made at eligible entertainment venues

  • Groceries

    3% cash back on grocery purchases

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

While the Capital One® SavorOne® Rewards offers a standard 0% APR period of 15 months, the card stands apart in its rewards earning potential. Fans of dining and entertainment can especially benefit from this card’s generous cashback program, with the ability to earn up to 8% back on purchases.

Here’s how the rewards work:

  • 8% on CapitalOne® Entertainment purchases and Vivid Seats ticket purchases
  • 5% on hotels and rental cars booked through Capital One® Travel
  • 3% on dining, entertainment, streaming, and groceries
  • 1% on all other purchases

Amazingly, this all comes without an annual fee, making it one of the highest benefit-to-cost ratio credit cards on the market today. Enjoy no interest for over a year, then continue using the card regularly for big savings on fun.

Pros & Cons

Pros

  • 0% APR for 15 months
  • No annual fee
  • No foreign transaction fees
  • Unlimited cash back rewards that never expire
  • $200 welcome bonus

Cons

  • Requires excellent credit
  • Potentially high APR
  • Complicated rewards program

Best no-interest Amex credit card

Amex

American Express Blue Cash Everyday®

American Express Blue Cash Everyday Card Apply Now

on American Express' secure site

Rates & Fees
4.7
Annual Fee

$0

Credit Score

740–850

Purchase APR

17.74%–28.74% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    $100 cash back after you spend $2,000 in 6 months

  • Welcome Bonus

    20% cash back up to $150 back when you shop with PayPal in your first 6 months

  • Groceries

    3% cash back at US supermarkets, up to $6,000 per year (then 1%)

  • Online Shopping

    3% cash back on US online retail purchases, up to $6,000 per year (then 1%)

  • Gas

    3% cash back at US gas stations, up to $6,000 per year (then 1%)

  • Everything Else

    1% cash back on all eligible purchases

Why It's Great

If you're specifically looking for an Amex credit card with a no interest period, American Express has a few different offerings. However, it’s hard to beat the American Express Blue Cash Everyday® credit card.

Offering 15 months of 0% APR, this card also boasts no annual fee, high cashback rewards, and a welcome bonus. Here’s what you can earn:

  • 3% back on groceries
  • 3% back on online retail purchases
  • 3% back on gas purchases
  • 1% back on everything else

Plus, you’ll get a cash bonus of $200 if you spend $2,000 in our first 6 months of card ownership.

Like with all good things, there’s a flip side. The higher rewards categories cap at $6,000 in purchases each year, after which point you’ll earn the 1% regular cashback rate. However, this limit is fairly generous, especially considering the lack of annual fee and the no-interest period.

Pros & Cons

Pros

  • 0% APR for 15 months
  • 1%–3% rewards rate
  • $200 welcome bonus
  • Amex benefits

Cons

  • Need excellent credit to qualify
  • Rewards caps

Best 0% interest credit card for everyday cash back

Everyday Cash Back

Chase Freedom Unlimited® Credit Card

Chase Freedom Unlimited credit card Apply Now

on Chase's secure website

Rates & Fees
4.9
Annual Fee

$0

Credit Score

670–850

Purchase APR

18.74%–27.49% (variable)

0% APR Period

15 Months

Rewards

  • Welcome Bonus

    $200 cash back after you spend $500 in 3 months

  • Welcome Bonus

    5% back on groceries on up to $12,000 in spending your first year (category excludes Target and Walmart)

  • Chase Ultimate Rewards

    5% cash back on travel booked through Chase Ultimate Rewards

  • Dining

    3% cash back on dining at restaurants, including takeout and eligible delivery services

  • Drugstores

    3% cash back on drugstore purchases

  • Everything Else

    1.5% cash back on all other eligible purchases

Why It's Great

If you’re looking for a straightforward rewards card that also has a 0-interest period, the Chase Freedom Unlimited® is a great everyday borrowing option. You get 15 months without interest on purchases and balance transfers, plus a welcome bonus and cashback rewards.

The rewards you earn are:

  • 5% back on travel booked through Chase Ultimate Rewards
  • 2% on all other travel
  • 1.5% on all other purchases

You have extra potential to earn some dough the first year of card ownership, as you get:

  • 5% on gas purchases up to $6,000 in your first year
  • 20,000 bonus points ($200) after you spend $500 in 3 months

Given the generous first-year rewards and the 0% APR offer, this card is a steal for the first year of borrowing especially. After that, it’s still a lucrative and worthwhile rewards card. However, beware of using the card abroad, as it charges foreign transaction fees.

Pros & Cons

Pros

  • No annual fee
  • 0% APR for 15 months
  • 1.5%–5% cashback rewards
  • Welcome bonus

Cons

  • 5% cash back only on travel bought through Chase Ultimate Rewards
  • Balance transfer fees still apply during the intro APR period
  • Foreign transaction fees
  • High penalty APR

Best 0% APR credit card with low regular interest

Low Regular Interest

Bank of America BankAmericard®

Bank of America BankAmericard Apply Now

on Bank of America's secure website

Rates & Fees
4.1
Annual Fee

$0

Credit Score

670–850

Purchase APR

14.99%–24.99% (variable)

0% APR Period

21 Months

Why It's Great

The Bank of America BankAmericard® credit card is an all-around good deal, especially if you’re looking for a low-interest card after the 0% APR period has expired. For example, if you think you’ll carry a balance from purchases or a balance transfer for more than 21 months, consider getting this card to save on interest charges down the line.

Along with the generous 21-month 0-APR period, the BankAmericard® doesn’t charge an annual fee. Its low cost, low interest, and long introductory APR period make it a great option for budget borrowers looking to consolidate debt or pay off expensive upcoming purchases over time.

However, as an everyday credit card option, it falls short considering its lack of rewards or welcome bonuses.

Pros & Cons

Pros

  • 0% APR for 21 months
  • Comparatively low regular interest rate
  • No annual fee

Cons

  • No rewards
  • No welcome bonus

Best 0% APR rewards credit card for businesses

Rewards for Businesses

Chase Ink Business Cash® Credit Card

Chase Ink Business Cash credit card Apply Now

on Chase's secure website

Rates & Fees
4.6
Annual Fee

$0

Credit Score

670–850

Purchase APR

16.99%–22.99% (variable)

0% APR Period

12 Months

Rewards

  • Welcome Bonus

    $900 cash back when you spend $6,000 on purchases within the first 3 months after account opening

  • Office Expenses

    5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year

  • Gas & Dining

    2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

The Chase Ink Business Cash® card is a business credit card with an introductory offer of 0% APR for 12 months on purchases. There’s no equivalent offer on balance transfers, so choose another credit card if you want to transfer a balance.

The Chase Ink Business Cash® card offers a generous cashback rewards program with rewards of 1%–5%. The downside with these rewards is that there are caps on earning in specific categories. For office supplies and connectivity, your annual cashback rewards max out at $1,250; for gas and dining, at $500.

On the upside, you’ll get $750 in cash rewards as a welcome bonus if you spend $7,500 within 3 months of opening your account. If you’re trying to get a new venture off the ground or expand your current business, these introductory rewards can take a huge financial burden off your back.

Finally, the Chase Ink Business Cash® card gives you the usual benefits like rental car insurance, roadside emergency services, travel and emergency assistance services, and purchase protection. These benefits, along with other features, make the Chase Ink Business Cash® card a useful and rewarding 0% APR credit card for a broad range of business needs.

Pros & Cons

Pros

  • $0 annual fee
  • 1%–5% cashback rewards rate
  • $750 welcome bonus
  • 12-month 0% APR intro offer

Cons

  • Caps on 2%–5% rewards rates
  • Foreign transaction fees
  • May need good credit to qualify

It’s better to pay more than the minimum amount due on your credit card balance

If you pay only the minimum amount due, your issuer will apply the payment to the balance with the lowest interest rate (e.g., purchases you made at the 0% intro APR). Anything you pay over the minimum will go toward the balances with the highest interest rates (e.g., balance transfers or cash advances with no promotional APRs).

How do 0% APR credit cards work?

0% APR credit cards are credit cards that offer a number of months of interest-free spending. They serve to give you a temporary break from paying interest on your debt, after which the regular APR applies.

Credit card interest and credit card APR are essentially the same; APR is just an annual expression of your interest rate. Divide your APR by 12 to get an estimate of your monthly interest rate.

When 0% APR matters

Whether you have a 0% APR or a 25% APR is irrelevant if you always pay off your credit card on time. However, if you use your credit card for balance transfers or for purchases you can’t pay off immediately, a 0% APR credit card can save you a lot of money.

Note that many cards also have different APRs for different purposes. Your card could have a different:

  • Purchase APR
  • Balance transfer APR
  • Cash advance APR
  • Promotional APRs
  • Penalty APR (a higher APR your card issuer may charge you if you make late payments)

Make sure you know which APRs apply in which cases. For example, even if you have a 0% intro APR for purchases and balance transfers, the 0% rate might not apply to cash advances (where you use your credit card to take money out of an ATM). Read a card’s terms carefully before committing to opening an account.

What credit score do you need for a 0% APR credit card?

For most 0% APR credit cards, you’ll need a good credit score to qualify, which means a FICO score of at least 670. Of course, the higher your score is, the more likely you are to qualify, particularly for 0% APR cards with better terms (e.g., rewards and no annual fees).

Many credit cards for people with lower credit scores have high purchase APRs and often don’t even allow balance transfers.

Improve your credit score to get 0% APR offers and other benefits

If you don’t qualify for credit cards with 0% introductory APR offers because of your credit score, check out ways to improve your credit score so that you can qualify for credit cards with better terms.

Can I get a 0% APR credit card if I have fair credit?

You probably won’t qualify for a 0% APR credit card if you only have fair credit (a FICO score of 580 to 669 or a VantageScore of 601 to 660).

If you have fair credit and want a zero-interest credit card, consider getting a store card. Many store cards are available to people with lower credit scores and have 0% financing offers for several months or even years.

If you take this approach, watch out for something called “deferred interest.” With deferred interest offers, cardholders who don’t repay their balance in full by the end of the low-interest intro period have to backpay months’ worth of interest on their purchase(s).

How to choose a 0% APR credit card

When you’re choosing a 0% APR credit card, consider the following factors to decide which card is best for you.

  • Length of intro APR period: With credit cards offering a 0% intro APR, the regular APR kicks in after around 6–24 months. 1 Obviously, the longer an introductory 0% APR period lasts, the better. However, if you’re using your card to pay off debts and can budget to pay them off within 6–12 months as opposed to 18+ months, you’ll be more likely to find cards with additional advantages like cashback rewards or welcome bonuses in that range.
  • Regular APR: Cards with 0% intro APRs tend to have higher regular APRs. Before you get a 0% APR credit card, remember to check the regular APR even if, ideally, you plan to pay off everything by the end of the intro APR period. You should take into account potential interest charges at the end of the promotion period in case you’re still chipping away at your debt when the zero-interest period ends.
  • Annual fees: Many 0% APR cards and low-interest cards have no annual fee, but some do. Annual fees are another feature to consider if you’re looking to consolidate your debts or earn rewards; these fees could offset any savings you make.
  • Balance transfer fees: Many credit cards charge fees when you transfer a balance onto them, so consider these fees if you’re trying to save money on interest. For example, if you transfer a balance of $5,000 from a credit card with a 24% interest rate to a zero-interest credit card with a 5% balance transfer fee, you will pay $250 in balance transfer fees, but you’ll save $100 a month in interest charges—meaning you’ll probably save money in the long run.
  • Rewards: If you use your credit card frequently, you can earn money back from cashback rewards. For example, if you spend $500 a month on a card with a 2% cashback rate, you’ll earn $10 a month in rewards. Take this into account when you’re trying to work out which credit cards will save you the most money.

FAQs

Why should I get a 0% APR credit card?

Zero-interest credit cards can be useful not only for consolidating your debts or financing a major purchase but also for unexpected expenses like medical bills or car repairs. However, watch out for annual fees. If you’re using your card mainly to get rewards, the annual fee may be worth it, but if you want a credit card just for emergencies or to consolidate your debts, it may not be worth getting a 0% APR credit card with high annual fees.

Does APR matter if I pay on time?

No, APR doesn’t matter if you pay on time. If you pay off your balance in full every month, you’ll avoid paying any interest on your credit card.

What happens at the end of a credit card’s 0% intro APR period?

At the end of a credit card’s 0% intro APR period, it reverts to the regular APR. This means that any balance left on your credit card will start accumulating interest charges at the regular purchase APR.

Is a 0% APR good or bad for my credit score?

A 0% APR doesn’t directly help or harm your credit score. However, it can help your score indirectly by:

  • Making your credit card payments easier to budget for (meaning you’re less likely to get late payments or other negative marks on your credit report).
  • Speeding up the rate at which you repay your debt (as paying down debts often benefits your score).

Is it better to get a credit card with a 0% intro APR or a card with a $0 annual fee?

A 0% APR is very helpful if you’re trying to finance a large purchase or pay back debts through a balance transfer. On the other hand, if you’re using your credit card for everyday purchases and then paying off your balance on time every month, your APR won’t matter, so you should prioritize finding cards with no annual fee.

Do I have to make minimum monthly payments on credit cards with a 0% intro APR?

Yes, you still have to make minimum monthly payments on credit cards with a 0% intro APR. If you don’t, you may lose your 0% rate, and your credit card could switch you to a penalty APR that’s even higher than your regular APR. 2

How we rate our credit cards

Finding the right credit card is tough, especially when you need to consolidate debt or have major upcoming expenses. That's why we heavily weighted the following factors when determining the best 0% APR credit cards:

  • Fees
  • Interest rates
  • Introductory offers
  • Benefits
  • Rewards and bonuses
  • Borrowing terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

Article Sources

  1. Consumer Financial Protection Bureau. "How long can I keep a low rate on a balance transfer or other introductory rate?" Retrieved April 28, 2022.
  2. Experian. "What You Need to Know About 0% APR Credit Card Offers" Retrieved April 28, 2022.

Jessica Norris

Credit Cards Editor

View Author

Jessica Ginter-Norris writes for FinanceJar. She has previously worked in academic editing, web content editing, and math e-learning content writing. She continues to be involved in various writing and editing projects as well as doing editorial training with the Chartered Institute of Editing and Proofreading.

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