Find your perfect card in 30 seconds.

Check your approval odds so you can shop smarter.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Best 0% APR Credit Cards in November 2024

Updated on:

Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our .

Citi is an advertising partner.

Chase Freedom Unlimited^®

Apply Now

on Chase's secure site

Chase Freedom Unlimited^®

When it comes to overall value, the Chase Freedom Unlimited^® is tough to beat. The card’s long interest-free APR period, generous sign-up bonus and ongoing rewards program could net you thousands in interest savings and cash back.

Apply Now

on Chase's secure site

A 0% offer can help you make a large purchase on the fly and pay it off interest-free over a long period.
The longest 0% intro period is currently 21 months, which means you won’t pay interest until 2026 with some of our top choices.
The best 0% APR credit cards can help you save more than $2,000 — including interest savings and rewards — over a two-year period.

14 best zero interest credit cards

Winner: Chase Freedom Unlimited^®
21-month APR credit card: Wells Fargo Reflect^® Card
21-month APR credit card: U.S. Bank Visa^® Platinum Card
18-month APR credit card: BankAmericard^® credit card
18-month APR credit card: Chase Slate Edge^℠
Best for balance transfers: Citi Simplicity^® Card
Best for rotating bonus categories: Chase Freedom Flex℠
Best for simple rewards: Wells Fargo Active Cash^® Card
Best for travel: Discover it^® Miles
Best for dining: Capital One Savor Cash Rewards Credit Card (see rates & fees)
Best for groceries and gas: Blue Cash Preferred^® Card from American Express (see rates & fees)
Best for low ongoing APR: ESL Visa® Credit Card
Best for business: Ink Business Unlimited^® Credit Card
Best for students: Bank of America® Travel Rewards Credit Card for Students

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Winner (most potential savings)

Chase Freedom Unlimited^®

LendingTree's Review

4.6

LendingTree's Review

4.6

Apply Now

on Chase's secure site

Intro purchase APR: 0% Intro APR on Purchases for 15 months, then a 19.99% - 28.74% Variable APR applies.

Long intro APR on purchases and balance transfers
Earns valuable Chase Ultimate Rewards® points on every purchase
Generous sign-up bonus can help you pay off a new purchase
$0 annual fee
Valuable benefits, including travel and purchase protections

Potentially high APR after introductory period
Penalty APR and late payment fees

Estimated savings over two years: $2,355*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

Thanks to its long intro period and high ongoing rewards rate, the Chase Freedom Unlimited^® offers more potential savings than any other 0% APR credit card. You can even earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. You’ll have over a year to pay off your purchase or balance transfer interest-free, and you can apply any cash back rewards you earn toward your balance.

*Based on LendingTree’s value methodology.

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

21-month 0% APR credit card

Wells Fargo Reflect^® Card*

LendingTree's Review

3.3

LendingTree's Review

3.3

Learn More

Intro purchase APR: 0% intro APR for 21 months from account opening on purchases, then a 17.49%, 23.99%, or 29.24% Variable APR applies.

One of the longest intro APRs for purchases and balance transfers
$0 annual fee
Cellphone protection

No rewards program or sign-up bonus
Higher-than-average balance transfer fee
Potentially high APR after introductory period

Estimated savings over two years: $1,360*

Assuming $6,000 principal balance and $300 monthly payment*

The Wells Fargo Reflect^® Card gives you almost two years to pay off your purchase or balance transfer with no interest, potentially saving you hundreds in interest payments. And while it doesn’t come with a rewards program or sign-up bonus, you will get up to $600 of cellphone protection.

*Based on LendingTree’s value methodology.

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 Annual Fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

*The information related to the Wells Fargo Reflect^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

21-month 0% APR credit card

U.S. Bank Visa^® Platinum Card*

LendingTree's Review

4.2

U.S. Bank Visa<sup>®</sup> Platinum Card

LendingTree's Review

4.2

Learn More

Intro purchase APR: 0% intro APR for 21 billing cycles on Purchases, then a 18.24% - 29.24% (Variable) APR applies.

One of the longest intro APRs for purchases and balance transfers
$0 annual fee
Offers cellphone protection

No rewards program or sign-up bonus
Potentially high APR after introductory period

Estimated savings over two years: $1,360*

Assuming $6,000 principal balance and $300 monthly payment*

With the U.S. Bank Visa^® Platinum Card, you’ll get 21 billing cycles to pay off your purchase or balance transfer without any interest. There’s no sign-up bonus or rewards program, but the card does come with cellphone protection and the ability to choose your own due date.

*Based on LendingTree’s value methodology.

0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Choose a payment due date that fits your schedule
No Annual Fee
Terms and conditions apply.

*The information related to the U.S. Bank Visa^® Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

18-month 0% APR credit card

BankAmericard^® credit card*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Intro purchase APR: 0% Intro APR for 18 billing cycles for purchases, then a 15.74% - 25.74% Variable APR applies.

Long intro APR period for purchases and balance transfers
$0 annual fee
No penalty APR

No rewards program or sign-up bonus
Late payment fee

Estimated savings over two years: $1,343*

Assuming $6,000 principal balance and $300 monthly payment*

You can save hundreds on interest payments by paying off your debt during the the BankAmericard^® credit card‘s 18-month intro APR period. And though this card doesn’t offer a rewards program or a sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.

*Based on LendingTree’s value methodology.

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 15.74% - 25.74% Variable APR will apply. A 3% fee applies to all balance transfers.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*The information related to the BankAmericard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

18-month 0% APR credit card

Chase Slate Edge^℠*

LendingTree's Review

4.2

LendingTree's Review

4.2

Learn More

Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.99% – 28.74% Variable APR applies.

Long intro APR period for purchases and balance transfers
$0 annual fee
Potential to lower your interest rate

No rewards program or sign-up bonus
Penalty APR and late payment fees
Potentially high APR after introductory period

Estimated savings over two years: $1,341*

Assuming $6,000 principal balance and $300 monthly payment*

The Chase Slate Edge^℠ gives you a year and a half to pay off a large purchase or balance transfer without interest. There’s one downside of this card, however: Its ongoing APR is higher than average. In fact, missing a payment with this card could trigger a penalty APR of and late payment fees.

*Based on LendingTree’s value methodology.

Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers, followed by a 19.99% – 28.74% Variable
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Member FDIC

*The information related to the Chase Slate Edge^℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for balance transfers

Citi Simplicity^® Card

LendingTree's Review

4.8

LendingTree's Review

4.8

Apply Now

on Citibank's secure site

Rates & Fees

Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers, then a 18.49% - 29.24% (Variable) APR applies.

One of the longest intro APRs on balance transfers
Long balance transfer window
No late fees or penalty APR
$0 annual fee

No rewards program or sign-up bonus
Intro APR for purchases is relatively short
Potentially high APR after introductory period

Estimated savings over two years: $1,180*

Assuming $6,000 principal balance and $300 monthly payment*

Living up to its name, the Citi Simplicity^® Card is a no-frills credit card that gives you 21 months to pay off your balance transfer. And although the purchase intro period is shorter, our calculations show that you can still count on some serious savings there as well. On top of that, you’ll never have to worry about paying late fees or a penalty APR.

*Based on LendingTree’s value methodology.

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock

Best for rotating bonus categories

Chase Freedom Flex℠*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

Intro purchase APR: 0% intro APR on purchases for 15 months, then a 19.74% - 28.49% variable APR applies.

Long intro APR on purchases and balance transfers
Rotating cash back bonus categories
Generous sign-up bonus
$0 annual fee
Mastercard World Elite benefits

Penalty APR and late payment fees
Potentially high APR after introductory period
Bonus categories require activation

Estimated savings over two years: $2,286*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

You could save over $1,000 in interest with the Chase Freedom Flex℠‘s intro APR period — but the card’s value doesn’t end there. It’s also one of the best rewards credit cards, thanks to its valuable sign-up bonus and generous cash back program. You’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

*Based on LendingTree’s value methodology.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for simple rewards

Wells Fargo Active Cash^® Card*

LendingTree's Review

4.6

Wells Fargo Active Cash<sup>®</sup> Card

LendingTree's Review

4.6

Learn More

Intro purchase APR: 0% intro APR for 12 months from account opening, then a 19.49%, 24.49%, or 29.49% Variable APR applies.

Intro APR on purchases and balance transfers
Earns cash back on every purchase
Easy-to-earn sign-up bonus
$0 annual fee

Potentially high APR after introductory period
Foreign transaction fee

Estimated savings over two years: $2,175*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

With the Wells Fargo Active Cash^® Card, you’ll get 12 months to pay off a large purchase interest free. That alone could save you over $1,100, but there’s even more value in the card’s unlimited cash back program and sign-up bonus. In addition to earning 2% cash back on every purchase, you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months This combination of features lands the Wells Fargo Active Cash^® Card on our list of the best cash back credit cards.

*Based on LendingTree’s value methodology.

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

*The information related to the Wells Fargo Active Cash^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for travel

Discover it^® Miles*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

Intro purchase APR: 0% Intro APR for 15 months on purchases, then a 18.74% - 27.74% Variable APR applies.

Long intro APR on purchases and balance transfers
Earn miles on every purchase
Valuable sign-up bonus
$0 annual fee

Potentially high APR after introductory period
Can’t transfer miles

Estimated savings over two years: $2,170*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

The Discover it^® Miles gives you 15 months to pay off a purchase, and you’ll earn rewards at a high flat rate that you can redeem for travel or travel statement credits. It also features a fantastic sign-up bonus, which matches all the rewards earned at the end of the first year for new cardholders. All this can add up to some serious savings in your first two years, if you’re looking to finance an upcoming vacation.

*Based on LendingTree’s value methodology.

UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 18.74% - 27.74% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Discover is accepted nationwide by 99% of the places that take credit cards.
Terms and conditions apply.

*The information related to the Discover it^® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for dining

Capital One Savor Cash Rewards Credit Card

LendingTree's Review

4.6

Capital One Savor Cash Rewards Credit Card

LendingTree's Review

4.6

Apply Now

on Capital One's secure site

Rates & Fees

Intro purchase APR: 0% intro on purchases for 15 months, then a 19.74% - 29.74% (variable) APR applies.

Long intro APR on purchases and balance transfers
Elevated cash back rewards on dining and entertainment
Easy-to-earn sign-up bonus
$0 annual fee

Potentially high APR after introductory period
Late payment fee
A fee applies for balance transfers

Average value over two years: $2,334*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

Ideal for foodies who love to save, the Capital One Savor Cash Rewards Credit Card comes with a long intro APR and one of the highest cash back rates on dining and entertainment. Plus, there’s a valuable, easy-to-earn sign-up bonus: Earn $250 cash back after you spend $500 on purchases within 3 months from account opening. Couple all that with a $0 annual fee, and you’ve got one of the best dining credit cards out there.

*Based on LendingTree’s value methodology.

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best for groceries and gas

Blue Cash Preferred^® Card from American Express

LendingTree's Review

4.6

Blue Cash Preferred<sup>®</sup> Card from American Express

LendingTree's Review

4.6

Apply Now

on American Express's secure site

Rates & Fees

|Terms Apply

Intro purchase APR: 0% on purchases for 12 months, then a 18.49%-29.49% Variable APR applies.

Intro APR on purchases and balance transfers
Elevated rewards on popular spending categories
Valuable welcome offer

Annual fee
Potentially high APR after introductory period
Penalty APR and late payment fees

Estimated savings over two years: $2,296*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

The Blue Cash Preferred^® Card from American Express is one of the most rewarding 0% APR cards you can find for U.S. gas and U.S. supermarket purchases. It gives you a year to pay off your purchase or balance transfer, along with rewards that can add up to huge savings over two years — even with the card’s annual fee. You’ll earn up to 6% cash back** in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, you’ll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months.

*Based on LendingTree’s value methodology.
**Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.

Best for low ongoing APR

ESL Visa® Credit Card*

LendingTree's Review

Learn More

on ESL Federal Credit Union's secure site

Intro purchase APR: 0% intro APR for 12 months on purchases, then a 12.75% - 17.99% variable APR applies.

Intro APR on purchases and balance transfers
$0 annual fee
No balance transfer fee

Must be an ESL Federal Credit Union Union member to qualify
No rewards program
No sign-up bonus

Estimated savings over two years: $1,207*

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

If you’re a ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The 12.75% - 17.99% variable APR is the lowest we could find among cards with a 0% intro APR on purchases and balance transfers. Additionally, there’s no annual or balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.

*Based on LendingTree’s value methodology.

Save money with our 0% Intro APR for 12 months.
Save even more with our low ongoing rate of 13.00%-17.99% APR.¹
No annual fees.¹
No fees for balance transfers.¹
Get the powerful protection of the Visa Zero Liability Policy.²
Emergency ticket replacement and other travel and emergency assistance.
Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
Extended warranty protection.

*The information related to the ESL Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for business

Ink Business Unlimited^® Credit Card

LendingTree's Review

4.6

Ink Business Unlimited<sup>®</sup> Credit Card

LendingTree's Review

4.6

Apply Now

on Chase's secure site

Intro purchase APR: 0% Intro APR on Purchases for 12 months, then a 17.99% - 23.99% Variable APR applies.

Intro APR on purchases
Earns high rate of cash back on every purchase
Valuable sign-up bonus
$0 annual fee

Late payment fees
No bonus earning categories

Estimated savings over two years: $2,498*

Assuming $6,000 principal balance and $300 monthly payment*

Our pick for the best 0% APR business credit card is the Ink Business Unlimited^® Credit Card. It comes with a solid intro period and huge rewards, which you can use to help pay off a large business purchase. In addition to earning unlimited cash back on every purchase, you’ll have a chance to earn a hefty sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

*Based on LendingTree’s value methodology.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Best for students

Bank of America® Travel Rewards Credit Card for Students*

LendingTree's Review

4.9

Bank of America® Travel Rewards Credit Card for Students

LendingTree's Review

4.9

Review Coming Soon

Intro purchase APR: 0% Intro APR for 15 billing cycles for purchases, followed by a 18.74% - 28.74% Variable APR.

Long intro APR on purchases and balance transfers
Earn 1.5x points on every purchase
Generous sign-up bonus
$0 annual fee
No foreign transaction fees

Potentially high APR after introductory period
Geared for students with good / excellent credit

Estimated savings over two years: $2,116*

Assuming $6,000 principal balance and $300 monthly payment*

Students won’t find a much better value for financing a large purchase than the Bank of America® Travel Rewards Credit Card for Students. You’ll get 15 months interest free — one of the longest intro periods among student credit cards — as well as the opportunity to earn points on every purchase. You’ll even get a generous sign-up bonus: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, it doesn’t charge foreign transaction fees, making it a good choice for a semester abroad.

*Based on LendingTree’s value methodology.

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.74% - 28.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Methodology: How we chose the best 0% APR credit cards

To bring you the list of the top 0% APR credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor data.

Average value over two years (90% of rating): We calculate the amount saved on interest given the length of the card’s introductory period. We assume a purchase of $6,000 and a monthly payment of $300. We subtract the card’s annual fee and interest paid on any amount remaining after the introductory period expires. We also add in the amount earned on rewards for the average cardholder, including the card’s sign-up bonus, minus the card’s annual fee. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
Other features (10% of rating): We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.

Note that our ratings are a starting point for comparing and choosing the best no-interest credit cards. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to finance with a 0% offer and which benefits you value to choose the best card for you.

Compare 0% APR credit cards

Credit Cards	Our Ratings	Intro Purchase APR	Regular APR	Rewards Rate
Chase Freedom Unlimited^® Apply Now on Chase's secure site	4.6 Winner	0% Intro APR on Purchases for 15 months	19.99% - 28.74% Variable	Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases	Apply Now on Chase's secure site
Wells Fargo Reflect^® Card* Learn More	3.3 21-month 0% apr credit card	0% intro APR for 21 months from account opening	17.49%, 23.99%, or 29.24% Variable APR	None	Learn More
U.S. Bank Visa^® Platinum Card* Learn More	4.2 21-month 0% apr credit card	0% intro APR for 21 billing cycles on Purchases	18.24% - 29.24% (Variable)	Non-rewards card	Learn More
BankAmericard^® credit card* Learn More	4.6 18-month 0% apr credit card	0% Intro APR for 18 billing cycles for purchases	15.74% - 25.74% Variable APR	N/A	Learn More
Chase Slate Edge^℠* Learn More	4.2 18-month 0% apr credit card	0% Intro APR on Purchases for 18 months.	19.99% – 28.74% Variable	N/A	Learn More
Citi Simplicity^® Card Apply Now on Citibank's secure site Rates & Fees	4.8 Best for balance transfers	0% intro APR for 12 months on Purchases	18.49% - 29.24% (Variable)	N/A	Apply Now on Citibank's secure site Rates & Fees
Chase Freedom Flex℠* Learn More	4.5 Best for rotating bonus categories	0% intro APR on purchases for 15 months	19.74% - 28.49% variable	5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.	Learn More
Wells Fargo Active Cash^® Card* Learn More	4.6 Best for simple rewards	0% intro APR for 12 months from account opening	19.49%, 24.49%, or 29.49% Variable APR	Earn unlimited 2% cash rewards on purchases	Learn More
Discover it^® Miles* Learn More	4.3 Best for travel	0% Intro APR for 15 months	18.74% - 27.74% Variable APR	1.5 Miles per dollar on all purchases.	Learn More
Capital One Savor Cash Rewards Credit Card Apply Now on Capital One's secure site Rates & Fees	4.6 Best for dining	0% intro on purchases for 15 months	19.74% - 29.74% (Variable)	3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases	Apply Now on Capital One's secure site Rates & Fees
Blue Cash Preferred^® Card from American Express Apply Now on American Express's secure site Rates & Fees \|Terms Apply	4.6 Best for groceries and gas	0% on purchases for 12 months	18.49%-29.49% Variable	Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.	Apply Now on American Express's secure site Rates & Fees \|Terms Apply
ESL Visa® Credit Card* Learn More on ESL Federal Credit Union's secure site	4.0 Best for low ongoing APR	0% intro APR for 12 months on purchases	12.75% - 17.99% variable APR	N/A	Learn More on ESL Federal Credit Union's secure site
Ink Business Unlimited^® Credit Card Apply Now on Chase's secure site	4.6 Best for business	0% Intro APR on Purchases for 12 months	17.99% - 23.99% Variable	Earn unlimited 1.5% cash back on every purchase made for your business	Apply Now on Chase's secure site
Bank of America® Travel Rewards Credit Card for Students* Review Coming Soon	4.9 Best for students	0% Intro APR for 15 billing cycles for purchases	18.74% - 28.74% Variable APR	1.5 points per $1 spent on all purchases.	Review Coming Soon

*The information for the Wells Fargo Reflect^® Card, U.S. Bank Visa^® Platinum Card, BankAmericard^® credit card, Chase Slate Edge^℠, Chase Freedom Flex℠, Wells Fargo Active Cash^® Card, Discover it^® Miles, ESL Visa® Credit Card and Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

What to look for when comparing 0% intro APR credit cards

When searching for the best no-interest credit card, you’ll want to keep your eye on these features:

Length of introductory period for purchases

The length of the intro period for purchases is the most important feature to consider. You’ll generally want to find the longest period possible, or at least a period that lets you pay off your purchase in time. Try dividing the cost of your intended purchase by the number of months in the intro period — that’ll give you an idea of how large your monthly payment will be and whether you can pay off your balance by the end of the 0% APR period.
Sign-up bonus and rewards

Many 0% APR cards come with a sign-up bonus and/or rewards program, offering even more value. While redemption options vary by card, you can usually redeem rewards for a statement credit toward your balance. This can help you pay off your purchase or balance transfer before the intro period ends.
Balance transfer APR

If you’re paying interest on an existing credit card balance, you may be more interested in cards with a 0% APR on balance transfers. These cards allow you to transfer over your balance and pay no interest during the introductory period. Like the intro APR on purchases, you’ll want the balance transfer period to be as long as possible. But don’t overlook the balance transfer fee — and try to find a card with no balance transfer fee, if possible.

What’s in my wallet

“I needed to transfer a high-interest balance from another credit card, as my monthly payments weren’t making a big enough dent in the principal balance. I wasn’t worried about rewards — I just wanted the longest window possible to pay off my debt. The Citi Simplicity^® Card gave me almost two years to pay off my balance and has a lower balance transfer fee than a lot of other balance transfer cards.”

– Will Collicott, credit cards writer at LendingTree
Regular APR

There are many different kinds of credit card APRs, but you should pay close attention to the regular APR. This is the APR you’ll pay after any introductory 0% period is over. If you have a balance left at the end of the intro period, the regular APR will determine how much interest you have to pay each month.
Annual fee

Most of the credit cards on this list have no annual fee. But if you’re looking at a credit card with an annual fee, consider how much it’ll cut into your overall savings.
Purchase protection

Depending on what you’re buying, you may want to make sure that the credit card you’re using offers some sort of purchase protection. Our list of the best extended warranty credit cards can be a good reference to see what protections are offered.
Instant credit card numbers

If you have an emergency — or another type of purchase that you need to make without waiting seven to 10 days for your card to arrive — you may want to get one that offers instant credit card numbers. Some issuers offer instant credit card numbers on all of their cards (if you’re eligible), while others only offer them on certain cards.

What does 0% APR mean?

A credit card’s APR (annual percentage rate) is the annual interest rate you’ll pay if you carry a balance. When you see “0% APR”, it means the card offers an introductory APR of 0% for a set period of time — usually six to 21 months. Depending on the card, the intro rate can apply to purchases, balance transfers or both.

When a card advertises 0% interest, make sure that it’s a true 0% intro offer and not a deferred interest offer. A true 0% offer charges interest only on the outstanding balance once the introductory period is over. With a deferred interest offer, if you don’t pay off every cent of your balance by the end of the introductory period, you’ll have to pay the full amount of interest that was waived during that introductory period. All of the cards in our list above are true 0% APR credit cards.

How do 0% APR credit cards work?

A 0% APR credit card works like any other card, the only difference being that you aren’t charged interest on your balance during the intro period. However, you’ll still need to pay your bill on time every month — otherwise, you might have to fork over a late payment fee or, even worse, lose your 0% intro rate. Once the intro period ends, your rate jumps to the regular ongoing APR. This rate applies to new purchases, as well as any remaining balance on the card.

Pros and cons of 0% APR credit cards

Can save you hundreds of dollars in interest while paying down your purchase or balance transfer
Improve your credit score by making regular payments during the introductory period
Potential to earn rewards and/or sign-up bonuses, depending on the card

You may lose your 0% APR if you make a late payment
Interest rates are typically high after the introductory period ends
It can be tempting to delay or skip payments on your balance when you have a long introductory period

How much could you save with a zero interest credit card?

If you pay off your balance within the introductory period, you could save well over $1,000 in interest payments with one of our no-interest credit card recommendations. But you could easily double those savings by choosing a 0% APR card with a valuable sign-up bonus and ongoing rewards program. The cards with the best sign-up bonuses and rewards, like the Chase Freedom Unlimited^®, might have shorter no-interest periods, but the cash back rewards make them much more valuable.

Let’s say you make a $6,000 purchase and can afford a $300 monthly payment. You could save over $1,000 with each of these cards:

0% APR credit card	Introductory APR	Savings*
Ink Business Unlimited^® Credit Card	0% Intro APR on Purchases for 12 months, then 17.99% - 23.99% Variable	$2,498
Chase Freedom Unlimited^®	0% Intro APR on Purchases for 15 months, then 19.99% - 28.74% Variable	$2,355
Capital One Savor Cash Rewards Credit Card (see rates & fees)	0% intro on purchases for 15 months, then 19.74% - 29.74% (Variable)	$2,334*
Blue Cash Preferred^® Card from American Express	0% on purchases for 12 months, then 18.49%-29.49% Variable	$2,296
Chase Freedom Flex℠	0% intro APR on purchases for 15 months, then 19.74% - 28.49% variable	$2,286
Wells Fargo Autograph^℠ Card	0% intro APR for 12 months from account opening on purchases, then 19.49%, 24.49%, or 29.49% Variable APR	$2,175
Discover it^® Miles	0% Intro APR for 15 months on purchases, then 18.74% - 27.74% Variable APR	$2,170
Bank of America® Travel Rewards Credit Card for Students	0% Intro APR for 15 billing cycles for purchases, then 18.74% - 28.74% Variable APR	$2,116
Wells Fargo Reflect^® Card	0% intro APR for 21 months from account opening on purchases, then 17.49%, 23.99%, or 29.24% Variable APR	$1,360
U.S. Bank Visa^® Platinum Card	0% intro APR for 21 billing cycles on Purchases, then 18.24% - 29.24% (Variable)	$1,360
BankAmericard^® credit card	0% Intro APR for 18 billing cycles for purchases, then 15.74% - 25.74% Variable APR	$1,343
Chase Slate Edge^℠	0% Intro APR on Purchases for 18 months. Then 19.99% – 28.74% Variable	$1,341
ESL Visa® Credit Card	0% intro APR for 12 months on purchases, then 12.75% - 17.99% variable APR	$1,207
Citi Simplicity^® Card	0% intro APR for 21 months on Balance Transfers, then 18.49% - 29.24% (Variable).	$1,180

*Based on LendingTree’s value methodology.

How to choose a 0% APR credit card

1. Make sure you qualify

You’ll typically need good-to-excellent credit to qualify for a 0% APR credit card. So if your credit score is on the lower end, consider applying for one of the best cards for fair credit or the best credit cards for bad credit. Unfortunately, if your credit score is too low, you may not qualify for a 0% APR offer.

Don’t know your credit score? Sign up for LendingTree Spring to get it for free.

2. Search for cards with longer introductory offers

You’ll generally want to find a card with a longer intro period to make your payments more manageable. However, the intro period isn’t everything — there is a tradeoff when it comes to other card benefits. A card’s rewards, including the sign-up bonus, can add substantially to your overall savings. You may get a better overall value by choosing a rewards card with a shorter APR term than a longer one with no rewards.

3. Factor in the value of the sign-up bonus

Many credit cards with 0% APR also offer sign-up bonuses worth hundreds of dollars, which you can use to help pay off your purchase. For example, the Chase Freedom Unlimited^® lets you earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

4. Find rewards that match your spending patterns

While some cards offer a flat rewards rate on all purchases, others offer bonus rewards in certain spending categories, like restaurants, gas and groceries. Match up the type of purchase(s) you’ll be financing with cards that offer bonus rewards on those purchases to help you earn extra rewards. You should also consider bonus categories that match your regular spending categories if you plan to keep the card after the intro offer expires.

You should only get a 0% APR card if…

You have a payment plan in place and are disciplined enough to follow it. You won’t come out ahead if you get a 0% APR card and then don’t pay it down before the intro rate ends.
You need to pay down a large purchase or consolidate debt from a high-interest card. It can give you extra breathing room to pay off the purchases at a slower pace without incurring interest.
You can afford to make more than the minimum monthly payments. Getting a 0% APR credit card and only paying the minimum could land you in debt for years. In fact, a recent LendingTree study on minimum payments found that it would take 11 years to pay down a $2,000 balance by only making the minimum payment.

How to make the most of your 0% APR card

Choose a rewards card with a shorter 0% intro APR period

This is especially true if you can afford to pay off your balance sooner. You’ll notice that credit cards that offer rewards — like the Capital One Savor Cash Rewards Credit Card (see rates & fees) — have some of the highest ratings on this list. That’s because the rewards programs on these cards potentially offer greater savings over a no-frills 0% APR card. If you’re a disciplined card user, you can even use the rewards earned on these cards to help pay down your balance.
Make your payments on time

If you make a late payment or miss one altogether, you may forfeit your introductory APR. Plus, some cards charge late fees and penalty APRs. Stay on top of your credit card bill and make your payments on time to avoid fees.
Pay off your balance before the introductory period is over

This will help you avoid paying interest on your purchase or balance transfer.

To calculate what your monthly payment should be in order to avoid interest payments, use this formula:

Total amount you owe / length of introductory 0% APR offer (in months) = Monthly payment

Alternatives to 0% APR credit cards

Alternative	What it is	Consider it if...
Personal loans	A lump sum of money that you repay in monthly installments over a set period of time	Your credit score is too low to qualify for a 0% APR card, or if you can’t afford to pay off your balance in full before the introductory period ends
Balance transfer credit card	A credit card that doesn't charge interest for a specified period of time on debt transferred from another card	You have high-interest debt on another card that you can pay off in full during the introductory period
Low-interest credit card	A credit card that has a relatively low APR	You need to carry a balance month to month and won’t be able to pay off a 0% APR card before the introductory period ends

Frequently asked questions

The longest 0% APR period is 21 months, but there are only a few cards currently offering an intro APR period that long. Our pick for the best is the Wells Fargo Reflect^® Card, which gives a 0% intro APR for 21 months from account opening . After, a 17.49%, 23.99%, or 29.24% Variable APR applies.

You generally need a good to excellent credit score to qualify for a 0% APR card. That’s either a minimum 670 FICO Score or 661 VantageScore.

It’s not likely that your current issuer will give you 0% APR, but you may be able to get a lower APR. A LendingTree survey found that 76% of people who ask their issuer to lower their APR get their request granted. Although it’s not as great as having 0% APR, it can still help you save on interest.

Most credit cards offer a grace period — the time between receiving your credit card statement and your payment due date. If you regularly pay off your balance in full before the due date, you’ll avoid paying interest altogether. Even if you’re unable to pay off your balance every month, it’s important to make your payments on time. You’ll avoid paying a higher interest rate (called a penalty APR) that some cards charge when you miss a payment.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

Blue Cash Preferred^® Card from American Express

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The information related to the Wells Fargo Reflect^® Card, U.S. Bank Visa^® Platinum Card, BankAmericard^® credit card, Chase Slate Edge^℠, Chase Freedom Flex℠, Wells Fargo Active Cash^® Card, Discover it^® Miles, ESL Visa® Credit Card and Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Will Collicott

Will Collicott is a web content coordinator and writer at LendingTree, where he writes and updates credit card reviews, guides and comparisons.

Before joining LendingTree, Will worked as an editor at The History Press. He knows personal finance topics can be overwhelming, and even just choosing the right credit card can be a challenge. That’s why Will is dedicated to researching and reporting accurate and accessible content to help guide readers.

When not writing for LendingTree, Will is usually traveling, playing disc golf or picking on his guitar.

Specialties

Credit card product reviews
Credit card comparisons
Cash back cards
Balance transfer cards
Building credit

Achievements

7+ years of professional writing experience
Helped develop the process for updating LendingTree’s credit card content

Education

Bachelor of Arts, Coastal Carolina University

Will’s favorite credit cards

“I’m currently using the Citi Simplicity^® Card to pay off a high-interest balance I transferred from an older card. I love this card because it has a reasonable balance transfer fee and gives you almost two years to pay off your balance. My everyday cards are the Wells Fargo Active Cash^® Card and Amazon Prime Visa, which I use to earn cash back on every single purchase I make. Between these two cards, I usually earn over $700 each year!”

Best American Express Credit Cards in 2024

Best Chase Credit Cards in 2024

9 Best Balance Transfer Credit Cards in November 2024

How Does LendingTree Get Paid?

Advertising Disclosure

American Express Disclosure

Best 0% APR Credit Cards in November 2024

Editorial Guidelines

Winner: Best 0% APR credit card

Chase Freedom Unlimited®

Winner: Best 0% APR credit card

Chase Freedom Unlimited®

Key takeaways

Show summary

14 best zero interest credit cards

Winner (most potential savings)

Chase Freedom Unlimited®

21-month 0% APR credit card

Wells Fargo Reflect® Card*

21-month 0% APR credit card

U.S. Bank Visa® Platinum Card*

18-month 0% APR credit card

BankAmericard® credit card*

18-month 0% APR credit card

Chase Slate Edge℠*

Best for balance transfers

Citi Simplicity® Card

Best for rotating bonus categories

Chase Freedom Flex℠*

Best for simple rewards

Wells Fargo Active Cash® Card*

Best for travel

Discover it® Miles*

Best for dining

Capital One Savor Cash Rewards Credit Card

Best for groceries and gas

Blue Cash Preferred® Card from American Express

Best for low ongoing APR

ESL Visa® Credit Card*

Best for business

Ink Business Unlimited® Credit Card

Best for students

Bank of America® Travel Rewards Credit Card for Students*

Methodology: How we chose the best 0% APR credit cards

Compare 0% APR credit cards

What to look for when comparing 0% intro APR credit cards

What’s in my wallet

What does 0% APR mean?

Look out

How do 0% APR credit cards work?

Pros and cons of 0% APR credit cards

How much could you save with a zero interest credit card?

How to choose a 0% APR credit card

1. Make sure you qualify

2. Search for cards with longer introductory offers

3. Factor in the value of the sign-up bonus

4. Find rewards that match your spending patterns

Who is a 0% APR credit card best for?

How to make the most of your 0% APR card

Alternatives to 0% APR credit cards

Frequently asked questions

What credit card has the longest 0% APR?

What is a good credit score for 0% APR?

Can I get 0% interest on my current credit card?

How do I avoid paying interest on a credit card?

Will Collicott

Specialties

Achievements

Education

Will’s favorite credit cards

Recommended Articles

Chase Freedom Unlimited^®

Chase Freedom Unlimited^®

Chase Freedom Unlimited^®

Wells Fargo Reflect^® Card*

U.S. Bank Visa^® Platinum Card*

BankAmericard^® credit card*

Chase Slate Edge^℠*

Citi Simplicity^® Card

Wells Fargo Active Cash^® Card*

Discover it^® Miles*

Blue Cash Preferred^® Card from American Express

Ink Business Unlimited^® Credit Card