The best 0% APR credit cards can save you significant money on interest charges. By financing large purchases with a card offering an interest free period – usually 12 to 21 months – you can focus on paying off your balance without accruing additional interest.
Beyond interest-free financing, many 0% APR credit cards offer attractive rewards programs. Whether you prefer cash back, travel points, or airline miles, you can earn valuable perks on your everyday spending. Some cards even offer additional benefits like purchase protection, extended warranties, and rental car insurance.
By strategically utilizing a 0% APR credit card, you can streamline your finances, reduce your debt, and achieve your financial goals.
Intro APR
0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days
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If you’re looking for a straightforward rewards card without any annual fees, this no-frills card is an excellent choice for simple, rewarding travel. It allows you to earn rewards on eligible travel purchases, such as flights, hotels, and car rentals. Plus, it offers a unique perk: the ability to redeem rewards for dining purchases, making it a convenient solution for travelers seeking to offset food expenses while on the go. This card provides a hassle-free way to earn rewards and save on travel costs, making it a great option for budget-conscious travelers.
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0% Intro APR for 15 months
Regular APR
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This is a user-friendly option for those seeking straightforward rewards. This no-annual-fee card offers a simple way to earn cash back on everyday purchases, plus, after your first year as a cardholder, Discover will double your cash back earnings. This welcome bonus – not to mention the generous intro APR offer – makes this a lucrative option for anyone looking to earn easy rewards while also saving on interest charges. Plus, it’s a great card to travel abroad with as it doesn’t charge foreign transaction fees, a rarity among no-annual-fee credit cards.
Intro APR
0% Intro APR on Purchases for 15 months, 0% Intro APR on Balance Transfers for 15 months
Regular APR
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This no-annual-fee card offers a fantastic rewards program and is a reliable option for earning rewards on your everyday spending. With its user-friendly rewards structure, you can easily accumulate points on eligible purchases, such as groceries, gas, and dining. Even after the promotional 0% APR period ends, this card remains a valuable asset in your wallet. Its solid rewards program and competitive interest rates make it a great choice for long-term financial management.
Intro APR
0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days.
Regular APR
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This no-annual-fee rewards credit card from Bank of America offers cardholders the opportunity to earn elevated flat-rate cash back on all purchases, making it a versatile choice for everyday spending. With its user-friendly rewards structure, you can easily accumulate cash back on a variety of purchases, from groceries and gas to dining and travel. What’s more, Bank of America preferred customers can enjoy an even greater benefit, earning 25%-75% more cash back than the average cardholder. This exclusive perk makes this card an even more attractive option for loyal Bank of America customers.
Intro APR
Purchases: 0% Intro APR for 6 months, Balance Transfers: 0% Intro APR for 18 months
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This card has evolved into a market leader for cash-back rewards, offering a compelling combination of simplicity and value. Cardholders can take advantage of bonus cash back on eligible purchases at gas stations and restaurants, up to the quarterly limit. This feature, coupled with a valuable intro APR offer, makes this card a smart choice for managing both everyday expenses and larger purchases. Plus, the generous welcome bonus offered by this card has the potential to provide a significant boost to your rewards balance, making it an even more attractive option for savvy consumers.
Intro APR
0% 12 months on Purchases, 0% 21 months on Balance Transfers
Regular APR
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This card consistently ranks among the best 0% APR credit cards due to its exceptionally long introductory APR period, one of the longest in the industry. With its extended interest-free grace period, this card offers a strategic advantage, allowing you ample time to pay off balances and save on interest charges. Whether you’re consolidating high-interest debt or making a large purchase, this card provides a valuable financial tool to help you manage your finances effectively. Citi is a CardRatings advertiser.
Intro APR
0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days
Regular APR
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This credit card is a standout choice, combining a generous introductory offer with the flexibility to earn cash back in the category that best suits your lifestyle. Whether you’re a frequent traveler, a tech enthusiast, or a foodie, you can maximize your rewards by choosing from six rotating categories. This card empowers you to make your money work harder for you, helping you save on everyday expenses and achieve your financial goals.
Intro APR
0% intro on purchases for 15 months, 0% intro on balance transfers for 15 months.
Regular APR
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Annual Fee
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This credit card offers a solid rewards program with flat-rate rewards earned on all purchases, making it a reliable choice for everyday spending. New cardholders can also take advantage of an easily attainable welcome bonus, providing an instant boost to their rewards balance. Whether you’re fueling up at the gas station, dining out with friends, or booking a flight for your next vacation, this card can help you earn rewards on your everyday purchases.
Jennifer Doss
CardRatings Executive Editor
Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest...Read more
Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. “Current Scores” reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.
Disclaimer:
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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Jennifer Doss
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