Best American Express 0% APR Credit Cards
WalletHub makes it easy to find the best American Express 0% APR credit card.
American Express 0% intro APR credit cards have no interest for up to 15 months on new purchases, balance transfers or both. This might surprise some people, given that American Express is best known for rewards credit cards and charge cards: the two main types of cards for people who pay their bills in full every month. But American Express (a WalletHub partner) understands the appeal of a long 0% introductory APR period at a time when people are racking up record credit card balances.
Best American Express 0% Intro APR Credit Card
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COMPARE AMERICAN EXPRESS 0% APR CREDIT CARDS
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- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 10% off shopping pass initial rewards bonus
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- $200 initial rewards bonus
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
WalletHub's Research
Our picks
In general, the best 0% intro APR American Express credit cards are interest-free for the first 9-15 months – on new purchases, balance transfers or both. Most zero-interest Amex cards also have $0 annual fees, and they all require good credit (at least) for approval. But these Amex cards don’t offer 0% APRs forever. High regular interest rates typically follow, so you’ll save the most money if you pay off your balance before the end of the low-interest introductory period.
That said, it can be difficult to determine which 0% APR Amex will be best for your specific needs. To help you out, we’ll compare WalletHub’s editors’ favorites below.
Best 0% APR American Express Credit Cards Comparison
Credit Card | Annual Fee | New Purchases Intro |
Blue Cash Everyday® Card from American Express | $0 | 0% for 15 months |
American Express Cash Magnet® Card | $0 | 0% for 15 months |
Amex EveryDay® Preferred Credit Card | $95 | 0% for 12 months |
The Amex EveryDay® Credit Card from American Express | $0 | 0% for 15 months |
Blue Cash Preferred® Card from American Express | $0 intro 1st yr, $95 after | 0% for 12 months |
Choosing the right 0% credit card can be tough. But WalletHub’s credit card payoff calculator can help you figure out which credit card-monthly payment combination will save you the most money. You can also check your latest credit score for free on WalletHub to see which cards you’re likely to be approved for.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best American Express 0% APR credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Best American Express 0% APR Credit Cards FAQ
Comparing american express 0% apr credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Featured Credit Cards
Expert Opinions
To help educate people on the possibilities, we asked a panel of experts to share their thoughts on the following questions. You can meet our expert panel and check out their comments below.
1. Do you think the average person knows that not all American Express credit cards are charge cards?
2. Why do you think there are more Amex cards with $100+ annual fees than 0% introductory APRs?
3. Do you think 0% APR credit card offers, such as the Amex EveryDay Credit Card from American Express, will fade away if the economy takes a downturn?
Important Disclosures
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Dillard's Credit Card, Schwab Credit Card, American Express Cash Magnet® Card, The Amex EveryDay® Credit Card from American Express, and Amex EveryDay® Preferred Credit Card.
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