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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 2,185 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 None
    • 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
    4 946 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
    3.5 364 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 2,413 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until February 2016
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • 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 1,368 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 1,013 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 1,032 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 1,775 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®
    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
    4 270 reviews

    U.S. Bank Visa® Platinum Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 20.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%
    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
    • Zero fraud liability*for unauthorized transactions if your card is ever lost or stolen
    • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
    • Chip technology for enhanced card security
    • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
    • *No annual fee
    • The card is only available to residents in: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH,OR,SD,TN,UT,WA,WI,WY,NM
    • See All Reviews & Details About The U.S. Bank Visa® Platinum Card
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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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