0% APR Credit Cards

0% APR credit cards are a great way to save money if you qualify. That’s because you pay zero interest for a given promotional period, usually 12 to 21 months. When the promotional 0% APR ends, the new non-zero interest rate is applicable to your current and future balances. With most cards, the 0% fee is only applicable to interest charges or balance transfers, but not both. It’s pretty rare (but not impossible) to have a card that offers both at the same time.

Sort 32 Credit Cards by
INTRO PURCHASE APR
CREDIT CARD NAME
ANNUAL FEE
PURCHASE APR
KEY BENEFITS

Wells Fargo Propel American Express® Card

0% introductory
APR for 12 months
Wells Fargo Propel Card
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 15.74% - 27.74%

Key Benefits:
  • Travel (4)
  • Sign Up Benefits (4)
  • Services (1)
  • Security (3)
  • Insurance (7)
  • Fees Benefits (4)
Credit Score: Excellent

Chase Freedom® Credit Card

0% introductory
APR for 15 months
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 16.99% - 25.75%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (3)
  • Services (1)
  • Security (4)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Excellent

Chase Freedom Unlimited® Credit Card

0% introductory
APR for 15 months
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 16.99% - 25.74%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (3)
  • Services (1)
  • Security (4)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Excellent

Discover it® Miles Credit Card

0% introductory
APR for 14 months
Rewards
0% APR
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 13.99% - 24.99%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (2)
  • Services (1)
  • Security (3)
  • Fees Benefits (2)
Credit Score: Excellent

Spark® Miles Select from Capital One®

0% introductory
APR for 9 months
Rewards
0% APR
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 22.74%

Key Benefits:
  • Travel (5)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (6)
  • Fees Benefits (1)
Credit Score: Excellent

VentureOne® from Capital One®

0% introductory
APR for 12 months
Rewards
0% APR
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 13.74% - 25.74%

Key Benefits:
  • Travel (4)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (6)
  • Fees Benefits (2)
Credit Score: Excellent

The Harley-Davidson® Visa Signature® Card from U.S. Bank

0% introductory
APR for 12 months
The Harley-Davidson® Visa Signature® Card from U.S. Bank
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 15.99% - 24.99%

Key Benefits:
  • Travel (2)
  • Security (4)
  • Insurance (5)
  • Fees Benefits (3)
Credit Score: Good

Spark® Cash Select from Capital One®

0% introductory
APR for 9 months
Spark® Cash Select from Capital One®
Rewards
0% APR
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 22.74%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (7)
Credit Score: Excellent

Capital One® Credit Card Quicksilver®

0% introductory
APR for 15 months
Quicksilver® from Capital One®
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 26.74%

Key Benefits:
  • Travel (3)
  • Sign Up Benefits (2)
  • Security (4)
  • Insurance (6)
  • Fees Benefits (1)
Credit Score: Excellent

SavorOne℠ Rewards from Capital One®

0% introductory
APR for 15 months
SavorOne℠ Rewards fromCapital One®
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 14.74% - 26.74%

Key Benefits:
  • Travel (2)
  • Sign Up Benefits (2)
  • Security (5)
  • Insurance (8)
  • Fees Benefits (1)
Credit Score: Excellent

Most common questions and answers about 0% APR credit cards

Are there any 0% intro APR credit cards with rewards?

You can get a 0% intro APR credit card with rewards. To qualify for one, it’s recommended that you have good or excellent credit. The Chase Freedom Unlimited Credit Card offers both a sign-up bonus and rewards points of unlimited 1.5% cash back. You can use these points for gift cards, products, and other services. The Quicksilver from Capital One also offers a sign-up bonus and a similar rewards program. Your points can be redeemed as a statement credit or check. Points can also be redeemed at specific times or specific thresholds.

What are the best credit cards with no annual fee and 0% APR?

If you’re looking for the best credit cards with no annual fee and 0% APR, we can name a couple. The Chase Freedom Credit Card allows you to earn 5% on up to $1500 per quarter, and 1% on all other purchases. You may also receive a $150 sign-up bonus for purchases made within the first 90 days. The Spark Cash Select from Capital One earns 1.5% unlimited cash back. It also has a $200 sign-up bonus for purchases made during the first three months.

What credit cards with 0% APR and free balance transfers exist?

There are several credit cards with 0% APR and free balance transfers. The SunTrust Cash Rewards Credit Card offers a 0% introductory APR for balance transfers and new purchases. You can pay 0% APR for 15 months. The Discover it Chrome Gas & Restaurant Credit Card also offers both benefits, but for a 14-month period from account opening.

Do 0% APR cash back credit cards exist?

It is possible to find 0% APR cash back credit cardsThe SavorOne Rewards Credit Card from Capital One give an introductory 0% rate on new purchases and balance transfers. This offer is good for 15 months from account opening. The Wells Fargo Cash Wise Visa Card offers the same, but for 12 months. For both cards, you need good to excellent credit.

Is there a card with 0% APR with points?

Yes, you can find a card with 0% APR with points. Choose the Wells Fargo Visa Signature Card and earn 5 points per dollar on drugstore, gas and grocery purchases. This benefit is for the first 6 months of card ownership. All other purchases are worth 1 point per dollar spent. You can choose the Citi ThankYou Preferred Credit Card, and earn 2 ThankYou Points per $1 spent in specific categories. Purchases at restaurants and for select entertainment options qualify. Non-qualified purchases earn 1 ThankYou Point per dollar.

What are the best 0% APR credit cards with miles?

There are a couple of options that are the best 0% APR credit cards with miles. The Spark Miles Select from Capital One offers cardholders unlimited 1.5 miles for all purchases. There is also a sign-up bonus of 20,000 miles (equivalent to $200) in travel. You can earn this by spending $3,000 in purchases within the first 90 days of opening the account. The VentureOne from Capital One gives an unlimited 1.25 miles for most purchases. Hotel stays can earn 10 miles for each dollar spent. The threshold to earn 20,000 sign-up bonus miles is $1000 in the first 90 days.

Are there credit cards with 0% APR for 12 months?

Looking for a credit card with 0% APR for 12 months? Both the Special Connections MasterCard with Rewards and Bank of America Cash Rewards Credit Card qualify. They each grant 0% introductory APR for 12 months on new purchases and balance transfers. These cards both require good to excellent credit.

What credit cards have 0% APR for 15 months?

Finding a credit card with 0% APR for 15 months is a little tricky, but it is possible. The Chase Freedom Unlimited Credit Card and SunTrust Cash Rewards Credit Card offer a 0% introductory rate. This rate is applicable for both balance transfers and new purchases.

Is there a 14-month 0% APR credit card?

Yes, it’s possible to find such a card. The Discover it Miles Credit Card offers a 14 month 0% APR credit card. This introductory offer extends to new purchases. To qualify for this card, you need to have excellent credit.

What credit card gives 0% APR for 9 months?

It is possible to find this kind of card. For example, the Spark Cash Select from Capital One offers a 0% APR for 9 months on new purchases. There is no balance transfer fee for this card.

Can I get a 0% APR for 6 months credit card?

There are a few options for a 0% APR for 6 months credit card. Take the BMO Harris Bank Cash Back MasterCard, for example. It offers 0% introductory APR for six months on new purchases and for twelve months for balance transfers. Balance transfers must occur by the 90th day of opening the account. The Bank of the West Cash Back World MasterCard offers a 0% introductory rate for 6 months on new purchases only.

How to get 0 APR on an existing credit card?

It’s difficult to tell you how to get 0% APR on an existing credit card because it’s almost impossible. An easier target is to get your credit card interest rate lowered by pursuing the following steps:

  1. Know the terms of your current credit card, so that you are aware of where you stand.
  2. If needed, build up your credit. It’s easier to negotiate with a higher credit score and a stronger credit history.
  3. Check out the competition. Find out what is being offered in competing credit card offers.
  4. Understand the viewpoint of the credit card company. It helps if you know what they need from you.
  5. Make your request.
  6. Consider a balance transfer card if your negotiation is unsuccessful. This will allow you to transfer the existing balance onto a new card. You’ll get the benefit of 0% APR and between 6 and 21 months to pay it off (depending on your creditworthiness).
How to extend 0% APR credit card?

It’s unlikely that you’ll be able to extend that 0% APR credit card offer. That doesn’t mean it’s impossible. You may be able to convince your credit card company, especially if your credit history is strong. For example, this means that you don’t carry a month to month balance. Cardholders with stronger credit histories generally pay their bill in full every month. If this applies to you, you can present your case to the credit card company.

How to use 0% APR credit cards?

Many people ask us how to use 0% APR credit cards. The most effective way involves a couple of steps. First, you must make at least the minimum payment that’s due on your credit card statement every month. If you fail to do this, the bank can cancel the 0% offer on the card. Your next monthly payment will be at the regular interest rate. Secondly, you must pay off the entire balance before the introductory period ends. It’s crucial to know when your introductory period ends: it may not end on a billing cycle’s due date. If you miss the deadline, you’ll pay the regular interest rate on the remainder of your debt.