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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. You can also increase your savings by opting for one of the 0% APR credit cards that offers cash back rewards or airline miles – without sacrificing any length on your 0% intro period, of…show more

    3.5 3,142 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (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 3 months of approval, 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 for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance with MasterCard® Global Service
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 1,497 reviews

    Citi Simplicity® Card – No Late Fees Ever


    citi simplicity
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    • See More Details & Reviews About The Citi Simplicity® Card – No Late Fees Ever
    3.5 3,295 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (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 3 months of approval
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
    • 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
    • Additional Info
    • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,886 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 1,631 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    4 2,076 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
    • Cash Back rewards do not expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,900 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months No Transfer Fee
    • Regular APR 23.24% (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
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
    • 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
    • Additional Info
    • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
    • 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
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • 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 More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 1,186 reviews

    Blue Cash Preferred® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24%-23.24% (V)
    • Annual Fee $95
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Good
    • Rewards Details
    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® Card from American Express
    3.5 301 reviews

    The Amex EveryDay® Credit Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The The Amex EveryDay® Credit Card from American Express
    3.5 351 reviews

    Citi ThankYou® Preferred Card


    citi thank you preferred
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
    • Additional Info
    • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • Travel with ease and enjoy global acceptance with Chip Technology.
    • No annual fee.*
    • See More Details & Reviews About The Citi ThankYou® Preferred Card
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    Expert’s Answers

    What is the best 0% credit card?

    By: Odysseas Papadimitriou, CardHub CEOThe best 0% credit card for your needs will have two things in particular: the longest 0% introductory period you can qualify for and no annual fee. After all, you’re trying to minimize the total cost associated with a big-ticket purchase, not just the interest rate it will be subject to. And given that regular APRs are so high – the average card charges 17.85% – your best bet is to pay off your entire balance within the span of a 0% intro term, if available.

    Keep those guidelines in mind when comparing our editors’ selections for the best 0% credit cards, below. If you don’t know how good your credit is, you can check your credit score for free on WalletHub.

    2016’s Best 0% Credit Cards



    Best For… Card Name Intro Rate Annual Fee Balance Transfer Fee Regular APR Credit Required Editors’ Rating
    New Purchases Citi® Diamond Preferred® Card 0% for 21 months $0 3% 12.24% - 22.24% Excellent 5 Stars
    Balance Transfers Chase Slate® 0% for 15 months $0 $0 introductory balance transfer fee for transfers made during the first 60 days of account opening 13.24% - 23.24% Good 5 Stars
    Balance Transfers Santander Bank Sphere Credit Card 0% for 24 months $0 4% 12.74% - 22.74% Excellent N/A
    People with Fair Credit Capital One® QuicksilverOne® Cash Rewards Credit Card 0% for 9 months $39 $0 23.24% Limited / Fair 4.4 Stars


    If you’re in the market for a credit card to reduce the cost of existing debt, make sure to take balance-transfer fees into account. They’re among the most-forgotten-about credit card fees around. If the debt in question doesn’t come from a credit card, you’ll also want to review each issuer’s policies regarding the types of debt you can transfer.

    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.

     
    Jun 21, 2016
    By:
    Does it help your credit with a consolidation loan to pay off or lower credit card debt?
    Dec 30, 2015
    By:
    No interest credit cards can be useful if you have a habit of carrying over balances every month. I personally tend to pay off my balances at the end of each billing month, therefore for the most part, I do not necessarily need 0% interest cards. Of course there are times when I miss payments, that is when a no interest card really comes into play. Also they are useful for balance transfers. This is why it is imperative to keep a good credit score.
    Dec 30, 2015
    By:
    One of the main things I always look for when applying for a credit card is the fact that it has 0% APR, at least as an introduction period. There is no way that I would apply for a credit card that did not have 0% APR from the start. The Chase Freedom card I applied for and received is amazing because I do not have to worry about any APR besides 0% until 15 months after I received it. What a relief that is even if there is a just a bit of money on the card!
    Dec 30, 2015
    By:
    A 0% interest card can be especially helpful if you're currently carrying a balance on a card. A lot of card, including Capital One Quicksilver, come with an intro rate of 0% for a certain period - usually 12 months. Transferring a balance to a 0% card can save a lot of money by avoiding interest and hopefully give you time to pay off the balance before the intro period ends.
    Dec 27, 2015
    By:
    If you are looking for a simple card that helps you reduce carrying costs then watch out for Chase Slate®. It allows 0% APR on purchase basis and also on transfer basis. It has 0$ transfer intro fees. You can get in this with just a 'good' credit rating. It is simple card with no annual fee and no reward rate. You would love the overall simplicity and using this over 15 months can save you a good deal of money as well.
    Dec 24, 2015
    By:
    I never apply for any credit card that doesn't offer 0% intro APR. Recently I applied for a Bank of America Rewards card and have been using it for two months. I have a 0% APR until December of 2016 which is wonderful because I refuse to pay interest. I also plan to transfer an old balance to this card as my old card will be run just g out of the 0% trial period next month. I really do feel it is worth the 3% transfer fee instead of paying 22% every month!
    Dec 24, 2015
    By:
    I used the 0% apr card for a while and it helped me to pay down the balance. I've always paid on time so I haven't had any difficulties.
    Dec 24, 2015
    By:
    I used a 0% APR credit card for almost a year,but what You fail to realize is that even though they say you can be late once or twice on a payment, it WILL still show as poor credit worthiness and one who makes late payments anyway for whatever reason, credit card companies are in it to make money. The interest rate WILL go to 21% easily or much more, because after 21 months, who really knows what the interest rate will be !!?? so, if you do NOT do well paying on time, this is NOT a good card to get; however, if you need a 0% for almost 2 years on purchases for example, then I agree, this is a good card to have.
    Dec 24, 2015
    By:
    I have one 0% card I got back 9-10 months ago. I first paid off a balance I had on another card at 18% in 6 months. I recently used it for a budgeted Christmas list for the family. I set my budget - used the card for that and will pay it down to 0 within 3 months. This allowed me to take advantage of some deep discounts during black friday events and defer the payments a few months so we still had some cash flow like normal months. I know this sounds odd, but with one of us looking for a job and the income down - it has really helped without us having to pay the extra cost of interest.
    Dec 24, 2015
    By:
    I think 0% APR is very useful if the person has a restraint. If the person is only using it for the short term and will definitely pay off the balance soon, it is basically borrowing money for free. For me, it is not very useful as I always pay off the entire balance. However, I can see how some people can utilize it and defer the payment for free in the short term.
    Dec 19, 2015
    By:
    0% APR is a fantastic feature for a credit card, especially if you have other high interest cards. As we all know it can be a struggle to get out of credit card debt when the interest rate is too high as your monthly payment is often greatly offset by the interest. But with a 0% interest, your whole payment goes toward principal. 0% APR is also valuable for balance transfers. If you have a high balance card with high interest, you can transfer your balance or part of it to the 0% APR card to better payoff the balance.
    Dec 19, 2015
    By:
    o% APR can be extremely useful for balance transfers, making a big purchase, or even a way to buy holiday gifts. However, in my case, it can be a trap if you're not careful. After the special rate expires, if your balance isn't manageable, you are left with interest fees, which in my case was over 20%. I made this mistake which was my fault, but I wanted to warn everyone to pay off the balance before the rate goes way up.
    Dec 19, 2015
    By:
    Yes for sure. 0% APR is one of the most useful features for a credit card. It allows me to make many purchases then pay them for several months after that without worrying about an interest. Besides, with 0% APR credit cards, I can transfer balance to pay for other high APR cards.
    Dec 19, 2015
    By:
    0% APR is good because banks no longer depend only on bringing in business through that but now they also depend on other instruments . This is how they can attract more customers to expand their base. When this occurs, we all benefit through lower charges or charges for certain things being dropped altogether. Using a card with a 0% APR for several months, I would choose to use it on a big purchase that would increase the value of my home, maybe some kitchen upgrades. Knowing that the introductory offer ends after a period of time is a useful reminder when making payments on those purchases, allowing me to pay off the debt quicker.
    Dec 15, 2015
    By:
    I think that 0% APR is a useful feature for a credit card. 0% APR, even for a specified amount of time, allows you to make the purchases you need to without worrying about extra interest. More people would sign up for a credit card if they knew they had some time to make purchases without the burden of paying interest.
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