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0% APR Credit Cards

If you need a few extra months to pay off upcoming purchases, then a credit card with a 0% introductory APR on purchases is the best choice for you (some of the following cards originate from CardHub advertising partners). The trick is to use a credit card calculator to devise a payment plan that will leave you debt free by the time high regular rates kick in. Without sacrificing in terms of your introductory period, you can increase your savings by opting for one of the 0% APR credit cards that offers cash back rewards or airline miles as…show more

    3.5 2,162 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until May 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until May 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    4 930 reviews

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 21 months
    • 0% Transfers 21 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER.
    • No penalty rate - EVER.
    • No annual fee - EVER.
    • Save time when you call with fast, personal help, 24 hours a day.
    • See All Reviews & Details About The Citi Simplicity® Card
    3.5 355 reviews

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 2% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee
    • See All Reviews & Details About The Citi® Double Cash Card
    3.5 2,402 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until February 2016
    • 0% Transfers until February 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,362 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See All Reviews & Details About The Chase Slate®
    3.5 1,006 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express
    3.5 1,028 reviews

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until August 2016
    • 0% Transfers until August 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Get 0% intro APR on all purchases until August 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until August 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • See All Reviews & Details About The Capital One® Platinum Prestige Credit Card
    4 1,769 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add you first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See All Reviews & Details About The Chase Freedom®
    3 1,830 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until February 2016
    • 0% Transfers until February 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 909 reviews

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1% - 6% cash back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
    • Terms and limitations apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Preferred® from American Express
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    Expert’s Answers

    What’s the best way to utilize a 0% APR credit card?

    By: Odysseas Papadimitriou, CardHub CEOZero percent credit cards are undoubtedly valuable. In fact, “a 0% loan that can be paid off in monthly installments of 1-3% of the principal balance is a pretty good deal, perhaps the best borrowing one could engage, assuming future income remains stable,” according to Jason Kilborn, a professor at The John Marshall Law School who studies bankruptcy and insolvency.

    But in order to truly take advantage of a 0% APR credit card offer, you must have a plan from the start. A 0% credit card isn’t simply an invitation to spend freely and worry about paying later, after all, as the 0% APR introductory period will end and the regular rate will kick in. Ideally, you should be getting a 0% card with a specific big-ticket purchase in mind or to pay for some unexpected expenses. That way you can use a credit card payoff calculator to determine the monthly payments required to pay down your balance before the conclusion of the 0% intro period.

    “Zero percent credit cards are obviously a great financing option compared to other forms of short term credit that charge market rate interest such as other revolving credit cards, overdraft protection and payday loans. And since the CARD Act was implemented, they are even better,” says David Reiss, founding director of the Community Development Clinic at Brooklyn Law School. Prior to the CARD Act, credit card companies might solicit new business with a zero percent interest rate and then jack it up for sometimes legitimate reasons (for example, default on the credit card debt) but often for illegitimate reasons (for example, alleged default on another, unrelated debt). So, if you are confident you can avoid default (which may trigger all sorts of bad financial outcomes), this option is worth considering. … Ideally, you will pay back the debt before the zero percent rate expires, but if you do not plan to, you should compare the interest rate of your current credit card with that of the one with the promotional rate to at least get a sense of the difference in the rate you would be paying after the promotional period expires."

    If you don’t have a good reason to need a 0% APR credit card, then your motive in opening one comes into question. You shouldn’t need a 0% card to escape interest on everyday expenses because if you are truly living within your means, you should be able to pay for them in full every month. A spending adjustment is in order if you can’t, not a new credit card. Many consumers would do well to heed such advice, as "consumer debt is clearly a big issue that is likely to only get bigger," according to Dr. Matthew Ragas, a professor at DePaul University.

    Some people also use 0% credit cards in order to put the money they would have spent paying off their bills into savings accounts and thereby garner interest revenue. Doing so is fine, but be careful because it takes a tremendous amount of discipline not to overextend yourself using this strategy and you’ll be forgoing the ability to maximize your rewards (0% credit cards typically have low rewards structures, if any rewards at all).

    Are 0% APR credit cards always on the market?

    By: John Kiernan, Personal Finance EditorNo, people often assume that 0% credit cards are always around, but in reality they’re usually only limited-time offers. While more 0% credit card offers will be on the market during economic times characterized by growth and/or low interest rates, these offers are by no means permanent. Because of this confusion, consumers sometimes don’t plan to pay their balances in full by the end of the introductory period, thinking they can simply transfer whatever they owe to a 0% balance transfer credit card. Well, guess what…0% cards might not be available at that time, which is exactly what happened to a lot of people during the Great Recession.

    Why do banks offer 0% APR credit cards?

    By: Odysseas Papadimitriou, CardHub CEOBanks offer 0% APR credit cards for three main reasons: to get the business of new customers, to encourage people to spend more than they would otherwise and thereby benefit from higher interchange fees, and to generate interest revenue off people who fail to pay down the entirety of their balances before the 0% period concludes and the regular APR starts.

    “If consumers actually routinely borrowed at 0% without paying any fees or interest, it would be difficult for credit card companies to earn a profit on these deals. So many 0% offers may come with balance transfer fees, time limits, caps on the amount eligible for the 0% balance or other conditions attached which will usually cause consumers to end up paying some interest or fees,” says Michael Simkovic, an associate professor at the Seton Hall University School of Law who studies the regulation of credit markets through the bankruptcy code. “Customers just really have to read the fine print, compare the total cost of borrowing the amount they need for the time they need it (including interest and fees) and be very, very careful. That being said, credit cards are generally going to be a less expensive source of credit than payday loans.”

    When should you avoid a 0% APR credit card?

    By: Odysseas Papadimitriou, CardHub CEOBelieve it or not, 0% APR credit cards aren’t for everyone. First of all, you shouldn’t use a 0% card if the lack of interest charges will cause you to spend more than you would ordinarily. Remember, you have to pay your balance in full at some point, and the interest rates you’ll incur after the 0% period concludes will quickly erase any prior savings. Second, if you pay your bill in full every month and plan to continue doing so, you would probably be better served getting the best rewards credit card possible. There’s really no point saving on interest if you won’t be paying any to begin with, and a 0% APR credit card with rewards isn’t likely to maximize your rewards potential.

    “Consumers need to be wary of 0% credit card offers,” warns Gina Calabrese, a professor at St. John’s University School of Law and former head litigator with the Foundation for Taxpayer and Consumer Rights. According to Calabrese, such cards are good options for people who can manage to pay off what they owe before a card’s low-interest introductory period concludes, “but many people are over-confident in their ability to do this. That's where it can become a trap.”

    “Consumers need to stay within their budgets and choose an item they will be able to pay off” in time, she adds. “Close monitoring is critical. “

    Community Discussion

    Ask a question or help others find the best 0% apr credit card by sharing some tips.

     
    May 15, 2015
    By:
    0% APR is a great feature. I mean, it's like a 0% interest loan. I usually try and put all my purchases on my 0% cards and then stretch out the payments to match the 0% period. I then try to make sure everything is paid off shortly after that. I haven't been able to get any recently due to defaulted student loans, but until then they were a great tool to keep myself building credit in a more affordable way.
    May 5, 2015
    By:
    Although I no longer qualify for a 0% APR card, I loved it when I did. The 0% period was an amazing chance to catch up on old bills, (particularly for me because I was also able to transfer a balance from a higher APR card for free) I think that when one is offered this chance, especially on a no fees card, one should jump on it because it literally is free money.
    Apr 30, 2015
    By:
    I think that credit cards with 0% APR can be a very helpful financial tool, especially when it comes to larger purchases, such as a piece of furniture, an appliance, or major car repair. While I don't advocate the use of these cards just to have fun or buy unneeded items, I do think they can come in quite handy when something unexpected occurs. If a dishwasher or refrigerator breaks down, the cost of a new unit might not fit into a monthly budget. Using a no-interest credit card to purchase one allows payments to be made without incurring the extra cost of interest.

    In fact, I encountered this very thing not too long ago when I had a costly car repair that I was not counting on. With a 0% APR offer, I was able to get my car fixed when I needed to without having to worry about the added in cost of extra interest.
    Apr 21, 2015
    By:
    0% APR is a great feature. I mean, who wouldn't want an interest free loan? I usually put all my purchases on my 0% cards and then pay the bare minimum each month until the 0% period is about to end. I then invest the excess money or just keep it in my savings account. Unless I'm unlucky, I usually make a small bit of money. I love these cards and try my best to get one every year.
    Apr 16, 2015
    By:
    I have looked into various 0% APR cards to help me to pay off some of my debt. Sadly due to poor credit as the result of a bankruptcy and divorce I have not been able to qualify for one of these 0% cards yet. I hope one day that I will be able to find one that does not charge an insanely high interest rate after the introductory rate of 0% expires.
    Apr 11, 2015
    By:
    I recently signed up for a card with 0% APR. I did a transfer from a credit card with 21% APR to the new card and helped me pay off a large amount of debt very quickly. Nobody likes to pay interest. Although I made some poor credit decisions in my life, this helped me get back on the right track. I can't recommend it enough if you have a card with a lot of debt and a high APR, I encourage you to do this ASAP.
    Mar 20, 2015
    By:
    Although I always pay my bill in full every month, as should everyone, it is nice to have a card with no interest if you ever need it. One of the benefits of having credit cards is the security that they can provide for unforeseen expenses and having a 0% APR card greatly increases that benefit.

    Of course having money saved for unexpected expenses is a good financial strategy to use, the ability to use a no interest card is a good backup plan.
    Mar 4, 2015
    By:
    I have a great deal of concern about credit cards and security of personal details. For a card to offer 0% interest is a good thing I feel. I came to this conclusion because for a credit card to interest this skeptic I need some incentive. I feel too high of interest rates hinders credit card acceptance and I feel that a flat zero rate makes more of a reason to get a card because of it's honest base interest fee. No one likes to pay high interest so this just makes sense.
    Feb 26, 2015
    By:
    I have done balance transfers on to a few different credit cards in order to get a 0% APR grace period. Typically, they range from 6 to 18 months. During this period, no interest accrues on the balance so I can focus on paying the balance that needs to be paid down in full. If you have a chance to open a 0% APR card, do it as it is certainly useful!
    Jan 31, 2015
    By:
    if I have a card that is high credit can I get a o int on the sane card and have two cards of the of the same
    Feb 4, 2015
    Photo of Card H.
    You can’t just ask for a 0% interest rate to be added to your account. You need to apply for a card offering 0% for a certain introductory term. My recommendation is to transfer your high-cost debt to a 0% balance transfer card like Slate from Chase and then pay it off without incurring any more interest. Then, get a rewards card and pay your bill in full every month.
    Oct 23, 2014
    By:
    My 0% card really helped me when I had to purchase air tickets to India.

    I applied for two Capitol-One Quick Sliver cards. Since it is 0% APR , I am paying only the minimum balance every month and I could pay the balance of my other Capitol One card, which saved me on interest.

    The another interesting thing is the cash rewards. I got huge rewards when I purchased air tickets which cost around 4K.
    Oct 1, 2014
    By:
    I would benefit tremendously from a card with a 0% APR. One of the scariest things to me about having a credit card is the extra cost when interest is added. Improving my credit by paying off bigger purchases faster would be a win-win situation for me. I think I will definitely take this into consideration when choosing my card.
    Dec 11, 2014
    Photo of Peggy K.
    I agree with you, a 0% interest card is the way to go. It can help to improve your credit, as well as help you get things that you need to buy now.
    Sep 27, 2014
    By:
    I have never seen a credit card with 0% APR before so I have never used one. Mine are typically around 20% or so. I do think it would be a useful feature in a credit card. The APR determines how much interest you are going to pay for your credit card so if you have 0% APR then I’m assuming you would pay no interest. That would be a cool feature. I would be able to charge purchases on my credit card without being charged interest on them. Who wouldn't want that?
    Sep 12, 2014
    By:
    I've opened credit card accounts in the past before so that I could finance a larger purchase or to transfer a balance from another card. It takes a lot of stress off my mind knowing that I have 12 or 18 months to pay off my debt without having to pay any interest or fees on my balance.

    You just have to be careful not to miss any payments and usually you have sure to pay off the entire balance before the 0% APR interest period ends. Otherwise they might hit you with fees and interest depending on the details of the offer.
    Aug 15, 2014
    By:
    I can't even imagine how nice it would be to have a credit card with 0% APR. I have a pretty steep credit card debt right now, and if I had a plan like this, man oh man would it be useful. I think it would especially be useful for people who are just learning how to use a credit card, perhaps with a very low limit on the card. That way if someone gets in over their head, they have time to realize it and get out. It sounds great!
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