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A credit card with a 0% APR offer can be a smart way to pay off a big purchase over time or help you shed existing debt more quickly. Some of the best credit cards in this category feature interest-free financing periods of 15 months or longer, while keeping annual fees and balance transfer fees at a minimum.

Don’t let a balance transfer fee dissuade you from taking advantage of a 0% APR balance transfer offer on a particular card. You’re still likely to save money and pay off your high-interest debt faster with one of these offers. Just make sure you do the math first before signing up for a new card.

We analyzed a broad swath of 0% APR credit cards from a variety of issuers to curate a list of the very best. Here are our selections.

Best 0% APR credit cards

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 45+ cards analyzed.
  • 5 data points considered.
  • 5-step fact-checking process.

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Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Rates & Fees / Terms Apply
Apply Now
On Wells Fargo’s Secure Website

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 Cash Rewards

Annual Fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn unlimited 2% cash rewards on purchases.

Editor’s Take

Pros
  • 15 months of introductory APR financing on both new purchases and balance transfers.
  • Earn 2% cash rewards on purchases.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening.
Cons
  • No purchase protection policies, other than cell phone protection.
  • No travel redemption options.
  • Other cards earn more cash back in specific categories.
The Wells Fargo Active Cash® Card offers easy, generous and unlimited flat-rate reward on spending with no categories or spending caps to keep track of, Plus a low intro APR offer on purchases and balance transfers.

Card Details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best for earning travel rewards

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Apply Now
On Bank of America’s Secure Website

Welcome Bonus

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.

25,000 points

Annual Fee

$0

Regular APR

18.24% – 28.24% Variable APR on purchases and balance transfers

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.

Editor’s Take

Pros
  • 15 billing cycles of intro APR financing on both new purchases and on qualifying balance transfers.
  • Earn an unlimited 1.5 points per $1 on purchases.
  • No foreign transaction fees so it’s a good choice to use abroad.
Cons
  • Points must be redeemed towards eligible travel and dining purchases for maximum redemption value.
  • You can’t transfer rewards to airline or hotel partners.
Applicants seeking a travel credit card with a solid flat rewards rate and a lengthy intro APR period will appreciate this card.

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for earning cash-back rewards on all purchases

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Rates & Fees / Terms Apply
Apply Now
On Wells Fargo’s Secure Website

Welcome Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 Cash Rewards

Annual Fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn unlimited 2% cash rewards on purchases.

Editor’s Take

Pros
  • 15 months of introductory APR financing on both new purchases and balance transfers.
  • Earn 2% cash rewards on purchases.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening.
Cons
  • No purchase protection policies, other than cell phone protection.
  • No travel redemption options.
  • Other cards earn more cash back in specific categories.
The Wells Fargo Active Cash® Card offers easy, generous and unlimited flat-rate reward on spending with no categories or spending caps to keep track of, Plus a low intro APR offer on purchases and balance transfers.

Card Details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best for earning bonus cash rewards

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Apply Now
On Bank of America’s Secure Website

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24% Variable APR on purchases and balance transfers

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Editor’s Take

Pros
  • Lengthy intro APR financing on both new purchases and balance transfers.
  • Flexibility to choose your preferred cash-back category.
  • Solid welcome bonus after meeting spend requirements.
Cons
  • Elevated cash-back rates have a quarterly spending cap.
  • Few benefits.
  • There’s a foreign transaction fee.
This card’s unique rewards structure lets you choose each month which spending category from a list of six where you want to earn elevated cash back. It’s sure to be a favorite for consumers who need flexibility.

Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best introductory window for balance transfers

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Rates & Fees / Terms Apply
Apply Now
On Citi’s Secure Website

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

18.24% – 28.99% (Variable)

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent

Editor’s Take

Pros
  • New applicants receive four months to complete qualifying balance transfers and get intro APR financing.
  • 21 months of intro APR financing from the date of the first transfers.
  • No annual fee.
Cons
  • Only 12 months of intro APR financing on new purchases.
  • No rewards.
  • No meaningful card benefits outside of the intro APR.
Most balance transfer credit cards with intro APR offers require qualifying transactions to be completed within 60 days of account opening. However, the Citi Diamond Preferred lets you complete balance transfers within a full four months of account opening.

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.

Best for students

Bank of America® Unlimited Cash Rewards credit card for Students

Bank of America® Unlimited Cash Rewards credit card for Students
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Apply Now
On Bank of America’s Secure Website

Welcome Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24% Variable APR on purchases and balance transfers

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn unlimited 1.5% cash back on all purchases.

Editor’s Take

Pros
  • Lengthy APR financing on both new purchases and balance transfers.
  • Earn unlimited 1.5% cash back on purchases.
  • Earn a $200 cash rewards bonus after spending at least $1,000 on purchases in the first 90 days of account opening.
Cons
  • No travel insurance protections.
  • No shopping protections.
  • Charges foreign transaction fees, making it a poor choice for students to use abroad.
There are very few cards with intro APR financing that are available to students, and even fewer that also offer rewards. This card features competitive terms for both, with a straightforward flat-rate cash-back program busy students are likely to appreciate.

Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best 0% APR credit card

Wells Fargo Reflect® Card

*

The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Wells Fargo Reflect® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

18.24%, 24.74%, or 29.99% variable APR

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent

Editor’s Take

Pros
  • Get 21 months of intro APR financing on purchases and qualifying balance transfers.
  • Benefits include cell phone protection, access to roadside dispatch and My Wells Fargo Deals.
Cons
  • You miss out on the full 21 months of intro APR financing if you make a late payment.
  • Qualifying balance transfers must be made within 120 days of account opening.
  • No cash back or other rewards offered.
The Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a long, low APR on purchases and qualifying balance transfers making it a great choice to tame high-interest debt or get some breathing room on a big buy.

Card Details

  • Annual fee: $0.
  • Rewards: None.
  • Welcome bonus: None.
  • APR: 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum.
  • Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
  • Other benefits and drawbacks: The card also offers up to $600 in cellphone protection against damage or theft (subject to a $25 deductible, up to two paid claims per 12-month period). While the card doesn’t offer rewards on every purchase, you can get cash back with select merchants with My Wells Fargo Deals.

Best for simplicity

BankAmericard® credit card

*

The information for the BankAmericard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

BankAmericard® credit card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

16.24% – 26.24% Variable APR on purchases and balance transfers

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
The BankAmericard® credit card does not offer rewards on purchases.

Editor’s Take

Pros
  • No annual fee.
  • Introductory low APR period for both purchases and balance transfers.
  • Long low introductory APR period.
Cons
  • No rewards offered.
  • Few benefits available.
  • There’s a balance transfer fee.
When your main focus is finding the longest intro APR offer available, the BankAmericard® credit card * The information for the BankAmericard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. from Bank of America delivers. It offers stellar intro APR periods on both purchases and balance transfers and charges no annual fee.

Card Details

  • Annual fee: $0.
  • Rewards: None.
  • Welcome bonus: None.
  • APR: 0% intro APR for 18 billing cycles for purchases and any balance transfers made in the first 60 days, and then a variable APR of 16.24% to 26.24%. An intro balance transfer fee of 3% of each transaction made within 60 days of account opening applies. After that, the fee will be 4% of each transaction.
  • Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency.
  • Other perks and benefits: No penalty APR, credit education, $0 liability guarantee, Balance Connect for overdraft protection of associated Bank of America Accounts and convenience features.

Best for first-year welcome bonus

Discover it® Cash Back

Discover it® Cash Back
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Rates & Fees / Terms Apply
Apply Now
On Discover’s Secure Website

Welcome Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Annual Fee

$0

Regular APR

17.24% – 28.24% Variable APR

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Editor’s Take

Pros
  • Low intro APR offer on both new purchases and balance transfers.
  • Generous rewards in quarterly rotating categories.
  • Automatic cash-back match at the end of your first cardmember year.
Cons
  • No travel insurance or purchase protection benefits.
  • Highest rewards are capped at $1,500 per quarter.
  • There’s a balance transfer fee.
This no-annual-fee card offers a low intro APR on both new purchases and balance transfers, plus it features a unique first-year welcome bonus: New applicants get a 100% cash-back match of all the rewards they’ve earned in their first year of card membership. The card is useful after the intro offer expires too, since it earns rewards on spending.

Card Details

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Best for earning flexible travel rewards points

Amex EveryDay® Credit Card

*

The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Amex EveryDay® Credit Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

Welcome Bonus

Earn 10,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership

Earn 10,000 points

Annual Fee

$0

Regular APR

18.24% – 29.24% variable

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year (then 1X); Earn 2X points at American Express Travel; Earn 1 point for every $1 spent elsewhere

Editor’s Take

Pros
  • No annual fee.
  • Earn 20% more points when you make 20 purchases a month. Terms apply
  • Decent welcome bonus.
Cons
  • Poor rewards rates compared to other cards.
  • Few travel perks.
  • Spending cap for elevated rewards.
American Express’ rewards program, Membership Rewards, offers a variety of lucrative redemptions and point transfer options. Most cards that are part of this program carry an annual fee, but the EveryDay card provides an opportunity to get started with the program without having to worry about that.

Card Details

  • Annual fee: $0.
  • Rewards: 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points.
  • Welcome bonus: Earn 10,000 Membership Rewards points after spending $2,000 on purchases in the first six months of card membership.
  • APR: 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable.
  • Perks and benefits: Earn 20% bonus points when you use your card 20 times in a month and transfer points to partners.

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

Compare the best 0% APR credit cards

Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
Good, Excellent (700 – 749)
Best for earning travel rewards
$0
25,000 points  

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.

Good, Excellent (700 – 749)
Best for earning cash-back rewards on all purchases
$0
$200 Cash Rewards  

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Good, Excellent (700 – 749)
Best for earning bonus cash rewards
$0
$200  

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Good, Excellent (700 – 749)
Best introductory window for balance transfers
$0
N/A  

N/A

Good, Excellent (700 – 749)
Best for students
$0
$200  

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Good, Excellent (700 – 749)
Best 0% APR credit card
$0
N/A  

N/A

Good, Excellent (700 – 749)
Best for simplicity
$0
N/A  

N/A

Good, Excellent (700 – 749)
Best for first-year welcome bonus
$0
Cashback Match  

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Good, Excellent (700 – 749)
Best for earning flexible travel rewards points
$0
Earn 10,000 points  

Earn 10,000 Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

Best 0% intro APR credit cards of March 2024
Best for earning travel rewards: Bank of America® Travel Rewards credit card
  • APR: 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 18.24% to 28.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
  • Annual fee: $0.
  • Rewards: 1.5 points per $1 on purchases.
  • Welcome bonus: 25,000 points after spending $1,000 on purchases in the first 90 days of account opening.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: Receive 15 billing cycles of intro APR financing on both new purchases and balance transfers, while earning 1.5 points per $1 on purchases.
Best for earning cash-back rewards on all purchases: Wells Fargo Active Cash® Card
  • APR: 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro rate and fee of 3%. After that a fee of up to 5%, with a minimum of $5 applies.
  • Annual fee: $0.
  • Rewards: 2% cash rewards on purchases.
  • Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening.
  • Foreign transaction fee: 3%.
  • Other benefits and drawbacks: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill (up to two claims per 12-month period and subject to a $25 deductible).
Best for earning bonus cash rewards: Bank of America® Customized Cash Rewards credit card
  • APR: 0% intro APR for 15 billing cycles for purchases and for balance transfers made within the first 60 days, then a 18.24% to 28.24% variable APR applies. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
  • Annual fee: $0.
  • Rewards: 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% cash back on all other purchases.
  • Welcome bonus: $200 cash rewards bonus after spending $1,000 on purchases in the first 90 days of account opening.
  • Foreign transaction fee: 3%.
  • Other benefits and drawbacks: This card offers you the ability to choose which category of purchases you want to earn an elevated cash-back rate on.
Best introductory window for balance transfers: Citi® Diamond Preferred® Card
  • APR: 0% intro APR for 21 months on eligible balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 18.24% to 28.99%. Balance transfers must be completed in the first four months. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
  • Annual fee: $0.
  • Rewards: None.
  • Welcome bonus: None.
  • Foreign transaction fee: 3%.
  • Other benefits and drawbacks: This is also a simple card with few fees and benefits, but it gives you four months from account opening to make qualifying intro APR balance transfers.
Best for students: Bank of America® Unlimited Cash Rewards credit card for Students
  • APR: 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, then a standard APR of 18.24% to 28.24% variable applies. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
  • Annual fee: $0.
  • Rewards: 1.5% cash back on purchases.
  • Welcome bonus: $200 cash rewards bonus after spending at least $1,000 on purchases in the first 90 days of account opening.
  • Foreign transaction fee: 3%.
  • Other benefits and drawbacks: This is one of just a few student cards that offer a lengthy intro APR offer.
Best 0% APR credit card: Wells Fargo Reflect® Card *

The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • APR: 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum.
  • Annual fee: $0.
  • Rewards: None.
  • Welcome bonus: None.
  • Foreign transaction fee: 3% of each transaction converted to U.S. dollars.
  • Other benefits and drawbacks: You receive 21 months of intro APR financing on new purchases and balance transfers when you make your payments on time, but this card doesn’t offer rewards.
Best for simplicity: BankAmericard® credit card *

The information for the BankAmericard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • APR: 0% intro APR for 18 billing cycles for purchases and any balance transfers made in the first 60 days, and then a variable APR of 16.24% to 26.24%. An intro balance transfer fee of 3% of each transaction made within 60 days of account opening applies. After that, the fee will be 4% of each transaction.
  • Annual fee: $0.
  • Rewards: None.
  • Welcome bonus: None.
  • Foreign transaction fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency.
  • Other benefits and drawbacks: This card offers an intro APR offer, and it’s a very simple card that has few fees, but few benefits as well.
Best for first-year welcome bonus: Discover it® Cash Back
  • APR: 0% intro APR for 15 months on purchases and eligible balance transfers. Then, a variable rate of 17.24% to 28.24% applies. There’s a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms).
  • Annual fee: $0.
  • Rewards: 5% cash back on purchases at different places each quarter up to $1,500 spent each quarter when activated and 1% cash back on all other purchases.
  • Welcome bonus: Discover will automatically match all the cash back earned at the end of the first cardmember year.
  • Foreign transaction fee: None.
  • Other benefits and drawbacks: Turn your account on/off with Discover’s Freeze it® feature, receive Social Security number alerts.
Best for earning flexible travel rewards points: Amex EveryDay® Credit Card *

The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

  • APR: 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable.
  • Annual fee: $0.
  • Rewards: 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points.
  • Welcome bonus: 10,000 Membership Rewards points after spending $2,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.
  • Other benefits and drawbacks: Membership Rewards points can be transferred to airline miles or hotel points. You also receive car rental loss and damage insurance¹ with the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. when you reserve and pay for your car at the rental car counter and decline the collision damage waiver (CDW).

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Should you get a 0% APR credit card?

If you have substantial credit card debt, then opening a new credit card with a 0% APR promotional financing offer on balance transfers can be a good idea. By transferring your existing balance to the new account, you will avoid interest charges during the introductory financing period. This will allow you to pay off your debt sooner, since your payments will be going entirely toward the principal of the debt instead of some toward the accruing interest. 

Ideally, you should use these offers to accelerate the repayment of your debts, not to postpone it. The best strategy is to divide the amount of your balance transferred by the number of months remaining in your introductory financing period, and make that amount of payment each month, ideally using your card’s autopay feature. So long as you don’t incur any new balances, you’ll be debt free before interest begins to accrue. 

Know that many balance transfer cards charge a balance transfer fee ranging from 3% to 5%. However, even after paying that fee, you can likely save money by doing a balance transfer compared to what’d you’d pay by carrying a balance on a card charging you interest.

Cards that offer 0% APR introductory financing on new purchases can be valuable for consumers who anticipate having to make large purchases that they can’t immediately pay off. You should still be strategic — budget for the monthly payment that will allow you to pay the balance off in full before the promotional period comes to an end.

Guide to 0% APR credit cards

There are many credit cards with 0% APR introductory financing, which is sometimes referred to as promotional financing. These products can offer interest-free financing on new purchases, balance transfers or both. By law, these offers must last for at least six months, but the most competitive cards include at least 15 months of 0% APR financing. 

There are many types of credit cards that can offer 0% APR financing, including no-frills cards, student cards, cash-back cards and travel rewards cards. Thankfully, most 0% APR credit cards have no annual fee. However, nearly all cards will charge a balance transfer fee on the amount you’re transferring. And if you plan on using your card outside of the United States, then you should look for a card that doesn’t impose foreign transaction fees. 

Frequently asked questions (FAQs)

When you have an outstanding balance on a credit card, you can transfer that balance to a card from a different issuer. The credit card issuer that you are transferring the balance to will essentially make a payment to the account that you are transferring the balance from. Most card issuers will add a balance transfer fee of 3% or more to the new balance.  

Be aware that issuers do not allow you to transfer a balance from one of their cards to another. You can only transfer a balance to a card from a different bank than the one you’re currently carrying the debt on.

Ideally, you will want to pay off your balance before the promotional financing period ends and interest begins to accrue on your new balance. To do this, divide the new balance by the number of months remaining on your promotional financing offer. Pay that amount each month, preferably using autopay to ensure you never miss a payment.

By law, the card issuer must credit the account with the highest interest rate first. So, any payment you make above the minimum will go toward any balance on the card that’s not in a 0% APR period. For example, if your card only has interest-free financing on balance transfers, your payment will first be credited towards the purchase balance, not the balance transferred. 

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Editor’s Note: This article contains updated information from previously published stories:

*The information for the Amex EveryDay® Credit Card, BankAmericard® credit card and Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jason Steele

BLUEPRINT

Jason Steele is a freelance writer specializing in credit cards and award travel. Since 2008, Jason's work has appeared in over 100 outlets and he's been widely quoted in the mainstream media. Jason also produces CardCon, which is The Conference for Credit Card Media.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.