Credit Cards

Best 0% APR Credit Cards

Here are the best 0% APR Credit Cards for you to control, reduce and even eliminate your debt and even earn rewards while you're at it.


If you are carrying a balance or need to finance a major purchase, you have to check out these 0% APR credit cards

A credit card with 0% APR will help you save money. Source: The Post New.

Looking for the best 0% APR credit cards? Well, you have come to the right place. Credit cards with a 0% APR can help you save hundreds of dollars in interest. 

Sometimes things get a little messy, and you need to carry a balance. Doing so with your old card can be costly, especially because most cards do not offer a life-long 0% APR. 

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What you need to do then is to search for credit cards with the famous intro 0% APR period.

The best cards that come with this feature usually offer up to 15 months of intro 0% APR, but some will go further and offer even longer periods.

So, without further ado, let’s jump right into it and unveil some of the best 0% APR credit cards on the market right now. Check out our list below, in no particular order.

A list of the best 0% APR Credit Cards

Check this list to find the best 0% APR credit card for you. Source: Freepik.

To save you some time, we’ve made a list of the best credit cards that offer a 0% Intro APR. Make your hard-earned money worth more and avoid paying interest.

Check their features and find the best one for you!

1. Wells Fargo Reflect®

With its nearly 2-year-long 0% APR period, this card is one of the longest 0% intro APRs you will find.

The Wells Fargo Reflect® gives you 18 months of 0% intro APR from account opening on both purchases and balance transfers.

You can even get an extension of 3 months for the 0% APR period if you make on-time minimum payments during the intro period. The card also charges no annual fee.

2. U.S. Bank Visa Platinum

If you pay your cell phone bill with your credit card, know that if you do it with this one, you automatically become eligible for cell phone protection. This program covers damage or theft up to $600.

Oh, yeah, the APR! Once you open your account, you get 18 billing cycles of 0% APR. It is a long period for market standards. Balance transfers will incur a 3% or $5 minimum fee, whichever is greater.

But once you have transferred it, you will get your 18 billing cycles of 0% APR on that amount. Plus, you pay no annual fee for owning one of these. Beware, though, this card requires good credit to qualify.

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3. Discover it Cash Back 

With a 15-month 0% intro APR period, the Discover it Cash Back is within the average of most cards that offer a long intro APR period.

In cases like these, you can look at whatever other benefits the card may offer.

The Discover it Cash Back card has an intro offer where they will match all the cash back you have earned at the end of your first year as a cardholder. No minimum spending or maximum rewards. 

It offers 5% cash back on rotating every-day categories. You will also make a 1% cash back on all other purchases.

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Discover it® Cash Back application

In this article, we’ll teach you how the Discover it® Cash Back application process works so you can apply for it and enjoy the many benefits this card has to offer. Read

4. BankAmericard®

The BankAmericard® offers a super long 0% intro APR period of 21 billing cycles for any purchase or balance transfer you make in the first 60 days from account opening.

The balance transfer incurs a 3% or $10 fee (whichever is greater), but this is expected. They do not charge a penalty APR in case you pay late. This means your interest rate remains the same.

The card also does not charge an annual fee, but much like the previous card, it also requires you to have good credit.

5. Chase Slate Edge

With a long 18-month 0% intro APR period, the Chase Slate Edge is at the high end of cards that offer intro APR periods.

If you spend at least $1,000 by your next card anniversary and pay on time, you become eligible for an APR reduction of 2% each year.

The card charges no annual fee, and you can also get a credit increase if you spend $500 in your first six months from account opening and pay on time. 

With the Chase Slate Edge, you can also access Chase’s Credit Journey tool. This tool helps you keep track of your credit score. However, to get this card, you must already have good credit.

Chase Slate Edge℠ Credit Card

Chase Slate Edge℠ Card application

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6. Citi Custom Cash℠

The Citi Custom Cash℠ offers a 15-month long 0% intro APR period which, as we have mentioned previously, falls within the average of long intro APR periods.

So let’s consider some other features and benefits this card has to offer. When you open your account, you become eligible to earn a $200 bonus after you spend $1,500 on purchases.

This has to happen within the first 6 months of account opening.

The bonus comes in the form of 20,000 ThankYou® Points, which you can then redeem for $200 cash back.

The card also offers 5% cash back on eligible categories up to the first $500 you spend, and 1% thereafter.

citi custom cash credit card

Citi Custom Cash℠ application process

Apply for the Citi Custom Cash credit card today and earn 5% cash back in bonus categories, plus a $200 welcome bonus.

7. Capital One Quicksilver

Another 15-month 0% intro APR card, the Capital One Quicksilver, offers a $200 cash bonus after you spend $500 on purchases within the first 3 months.

With it, you also earn an unlimited 1.5% cash back on all of your purchases.

The card also earns you an unlimited 5% cash back on rental cars and hotels booked using the Capital One Travel platform.

This card also requires good to excellent credit from its applicants.

8. Bank of America® Unlimited Cash Rewards

Remember to use your credit card responsibly – even if it has 0% APR. Source: Freepik.

The Bank of America® Unlimited Cash Rewards credit card offers a 0% intro APR period of 18 billing cycles for purchases and balance transfers you make in the first 60 days.

The card charges no annual fee, and as a new cardholder, you have access to an introductory bonus. After spending $1,000 in purchases within the first 90 days from account opening, you earn a $200 cash bonus.

The card also offers an unlimited 1.5% cash back on all purchases. However, you can earn 25% to 75% more cash back if you are a Preferred Rewards member.

That translates into an actual cash back rate of 1.87% to 2.62%. Not bad, huh?

Best credit cards with cash back

Having a credit card with 0% APR is excellent. But it gets even better when these cards have a rewards program.

A good rewards program will optimize the money you spend. There are many types of rewards, but one of the most desired among credit users is cash back.

If you’d like to enjoy a credit card with cash back, check the following content with a list of the best ones available today.

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About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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