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0% APR Credit Cards

5.0 5.0 - 95 reviews for top rated card

If you are planning to make purchases with your new credit card, then a credit card with an introductory 0% APR on purchases is the best choice for you (some of the cards listed below originate from CardHub advertising partners). Be sure to remember when your 0% APR credit card will convert to the Regular APR. Double your bonus by choosing one of the 0% APR credit cards that also offer cash back rewards or airline miles. If you are looking to make a balance transfer then you need a 0% balance transfer credit card.

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your 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 October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
    • 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

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 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% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on 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.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • 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 on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Citi® Double Cash Card


    citi cashreturns mastercard
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 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

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • One-time $100 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 and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNone Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers Not Offered
    • Regular Rate 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $39
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1.5% cash back
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Citi® Diamond Preferred® Card


    citi diamond preferred card visa
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 11.99% - 21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None
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    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    Ask our Experts
    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

    Help others find the best 0% apr credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 23, 2014
    Photo of Anoop S.
    By: Anoop S Raghavan
    0% APR credit card really helped me when I had plan to purchase couple of air tickets to India.
    I applied two Capitol-One Quick Sliver cards. Since it is 0% APR , i am paying only minimum balance every month and I could pay balance of my other Capitol one card which saved the interest i was paying every month. The another interesting thing is the cash rewards. I got huge rewards when I purchased air tickets which cost was around 4K
    October 1, 2014
    Photo of Jill M.
    By: Jill McCurley
    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.
    September 27, 2014
    Photo of Kelly M.
    By: Kelly Mok
    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?
    September 12, 2014
    Photo of Bill S.
    By: Bill Swanson
    I think that 0% APR credit cards are wonderful. 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 more
    August 15, 2014
    Photo of Phillip C.
    By: Phillip Cahill
    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!
    August 5, 2014
    Photo of Don P.
    By: Don Pie
    I definitely think that a credit card with a 0% APR would be very useful. It would allow the user to have greater flexibility with their card and the opportunity to fine tune their spending habits. Others would disagree with me. However, it's all in how you use the card. If you are irresponsible than 0% APR could wind up hurting you instead. But isn't that the case with all credit cards? A 0% APR card is simply another tool to either help or hurt yourself financially.
    August 2, 2014
    Photo of Taylor S.
    By: Taylor Steeves
    I've never really heard of a credit card with 0% apr. To me it seems like its just a debit card that switches to a credit card after the time has elapsed. It seems like a great idea to get customers applying for cards so that they have a grace period and then they will have to be switched to some sort of interest payment. Its a great idea to have 0% for a the time being but in the end it will simply be a debit card and then will be switched to the traditional interest charges of a credit card.
    July 20, 2014
    Photo of Cindi H.
    By: Cindi Hounton
    We are currently using 0 percent Bank of America credit card. I think that you have to be careful with zero percent cards because the trial period will be over before you know it and then can you pay the full balance? We are currently using the zero percent card to buy some extra inventory for my husband's business now that the economy is good and we will pay it off before the trial period is up. I think that zero percent cards can be a very smart move if you have a plan to pay it off.
    July 4, 2014
    Photo of Crystal W.
    By: Crystal Wright
    I have used 0% apr credit cards in the past and it is useful as long as you pay it off before the interest starts. I have used it to buy an item and pay off the balance by the time the introductory period was up, and I have also used it to transfer balances from higher interest rate cards. As long as you are responsible about it, it can be financially wise and useful.
    June 28, 2014
    Photo of Jason S.
    By: Jason Scanlon
    I had a 0% APR credit card, and you can get quite used to not getting charged the APR, It can lull you into a false sense of security, and you might find yourself making purchases that you might not normally purchase. You may have to watch yourself, as your credit can still suffer and your cards maxed out in no time.
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