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0% Credit Cards for Excellent Credit

The 0% credit cards for excellent credit listed below are the best on the market, given that they offer the longest interest-free terms on new purchases and typically do not have annual fees, as is the case with 0% APR credit cards for people of lesser credit standing. In addition to 0% on purchases, some of these 0% interest credit cards for excellent credit may also offer 0% on balance transfers for a certain period of time as well as lucrative ongoing rewards. It’s therefore important to compare a variety of offers in order to find the card that…show more

    3.5 3,114 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 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
    • 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
    • Travel when you want with no blackout dates
    • Fly any airline, stay at any hotel, anytime
    • 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 1,472 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 3,274 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 the first 3 months
    • 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 1,862 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 1,585 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
    • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. 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. Cash back is earned only 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 2,065 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®
    4 1,174 reviews

    Blue Cash Preferred® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24%-23.24% (V)
    • Annual Fee $95 ($75 if your application is received by 8/3/16)
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
    • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • With the Blue Cash Preferred® Card, you can get cash back. 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. Cash back is earned only 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
    3.5 289 reviews

    The Amex EveryDay® Credit Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% 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 Excellent
    • Rewards Details
    • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your 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
    3.5 344 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
    4 823 reviews

    Costco Anywhere Visa® Card by Citi


    costco credit card
    • Purchase Intro APR 0% for 7 months
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 4% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • Exclusively for Costco Members: Go Big with Cash Back Rewards
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • Additional Info
    • See More Details & Reviews About The Costco Anywhere Visa® Card by Citi
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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