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

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

Quicksilver® from Capital One®

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

Wells Fargo Cash Back College Visa® Card

0% introductory
APR for 6 months
Wells Fargo Cash Back College Visa® Card
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 13.15% - 23.15%

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