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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
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*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated
March 16, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The BankAmericard® credit card gives you one of the longest intro APRs to pay down a large purchase or a balance transfer. Plus, there’s a $0 annual fee.
Citi is an advertising partner. Perhaps you’re eyeing a new furniture set for your home, or an emergency repair has sprung up out of the blue, and you’re hoping that a 0% APR credit card can save the day. After all, a 0% offer can help you make a large purchase on the fly and pay it off interest-free over a long period — as long as 18 or even 21 months.
You can save hundreds of dollars in interest with a 0% APR credit card. On top of that, these cards may come with sign-up bonuses and rewards that can help you pay off your purchase and make a card worth keeping in your wallet for the long term.
Best 0% APR Credit Cards for Long Intro Periods — March 2023
Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases. After the intro period, a 15.49% - 25.49% Variable APR applies.
Intro balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro period, a 15.49% - 25.49% Variable APR on balance transfers applies. You’ll also be charged a balance transfer fee of 3% of the amount of each transaction.
Sign-up bonus: N/A
Why we picked this card: Time is of the essence when you’re trying to pay down a large purchase, and the BankAmericard® credit card gives you the longest intro period possible. It also has a low ongoing APR, making it one of the best 0% intro APR cards available.
Pros & cons:
Pros
Cons
Long intro APR period
$0 annual fee
No penalty APR
No rewards program
Excellent/Good credit required
The BankAmericard® credit card is best if you want the longest 0% intro APR possible to finance a large purchase or transfer a balance. However, if you’re hoping to earn rewards on your purchases, this isn’t the card for you — it’s a simple card with no rewards program and few benefits besides its intro APRs.
0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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.
Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases. After the intro period, a 15.49% - 25.49% Variable APR applies.
Intro balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro period, a 15.49% - 25.49% Variable APR on balance transfers applies. You’ll also be charged a balance transfer fee of 3% of the amount of each transaction.
Sign-up bonus: N/A
Why we picked this card: Time is of the essence when you’re trying to pay down a large purchase, and the BankAmericard® credit card gives you the longest intro period possible. It also has a low ongoing APR, making it one of the best 0% intro APR cards available.
Pros & cons:
Pros
Cons
Long intro APR period
$0 annual fee
No penalty APR
No rewards program
Excellent/Good credit required
The BankAmericard® credit card is best if you want the longest 0% intro APR possible to finance a large purchase or transfer a balance. However, if you’re hoping to earn rewards on your purchases, this isn’t the card for you — it’s a simple card with no rewards program and few benefits besides its intro APRs.
0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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.
Intro purchase APR: 0% intro APR up to 21 months from account opening . After the intro period, a 17.74% - 29.74% variable APR applies.
Intro balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. After the intro period, a 17.74% - 29.74% variable APR applies.
Sign-up bonus: N/A
Why we picked this card: On top of a long initial intro period, the Wells Fargo Reflect® Card gives you an incentive to pay down your balance: If you make on-time minimum payments during the introductory period, you’ll get an extra three months. That makes up to 21 months of 0% interest on purchases, matching the BankAmericard® credit card.
Pros & cons:
Pros
Cons
Long intro APR on balance transfers and new purchases
Extend your intro period by making on-time payments
$0 annual fee
Offers cellphone protection
No rewards program
Few benefits outside the intro offer
Charges a balance transfer fee
High regular APR
The Wells Fargo Reflect® Card is an excellent credit card if you simply need a long 0% period. As long as you’re making your payments on time — which you should do with any card to avoid losing your promotional period — this card will give you three additional months with no interest.
Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option — it even comes with up to $600 in cell phone protection. However, like the BankAmericard® credit card, it doesn’t offer any rewards, so you’re out of luck if you want a card you can use in the long term.
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% 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
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select “Apply Now” to learn more about the product features, terms and conditions
Intro purchase APR: 0% intro APR up to 21 months from account opening . After the intro period, a 17.74% - 29.74% variable APR applies.
Intro balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. After the intro period, a 17.74% - 29.74% variable APR applies.
Sign-up bonus: N/A
Why we picked this card: On top of a long initial intro period, the Wells Fargo Reflect® Card gives you an incentive to pay down your balance: If you make on-time minimum payments during the introductory period, you’ll get an extra three months. That makes up to 21 months of 0% interest on purchases, matching the BankAmericard® credit card.
Pros & cons:
Pros
Cons
Long intro APR on balance transfers and new purchases
Extend your intro period by making on-time payments
$0 annual fee
Offers cellphone protection
No rewards program
Few benefits outside the intro offer
Charges a balance transfer fee
High regular APR
The Wells Fargo Reflect® Card is an excellent credit card if you simply need a long 0% period. As long as you’re making your payments on time — which you should do with any card to avoid losing your promotional period — this card will give you three additional months with no interest.
Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option — it even comes with up to $600 in cell phone protection. However, like the BankAmericard® credit card, it doesn’t offer any rewards, so you’re out of luck if you want a card you can use in the long term.
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% 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
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select “Apply Now” to learn more about the product features, terms and conditions
Intro purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: No bonus
Why we picked this card: The U.S. Bank Visa® Platinum Card has the third longest intro APR on purchases of the cards in this list — plus, unlike the Wells Fargo Reflect® Card, you qualify for the full intro period up front, rather than having to earn it. The card is a great choice if you need a long period to pay down your balance. However, it lacks a rewards program, so you probably won’t want to make it your go-to card for the long run.
Pros & cons:
Pros
Cons
Long intro APR for purchases and balance transfers
$0 annual fee
Cell phone protection
Choose your own due date
No rewards program
Few benefits
Foreign transaction fee
With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might prefer a card like the Navy Federal Platinum Credit Card.
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.24% - 29.24%.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Choose a payment due date that fits your schedule
No Annual Fee
Terms and conditions apply.
Intro purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: No bonus
Why we picked this card: The U.S. Bank Visa® Platinum Card has the third longest intro APR on purchases of the cards in this list — plus, unlike the Wells Fargo Reflect® Card, you qualify for the full intro period up front, rather than having to earn it. The card is a great choice if you need a long period to pay down your balance. However, it lacks a rewards program, so you probably won’t want to make it your go-to card for the long run.
Pros & cons:
Pros
Cons
Long intro APR for purchases and balance transfers
$0 annual fee
Cell phone protection
Choose your own due date
No rewards program
Few benefits
Foreign transaction fee
With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might prefer a card like the Navy Federal Platinum Credit Card.
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.24% - 29.24%.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.49% - 28.24% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.49% - 28.24% variable APR applies.
Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
Why we picked this card: Depending on your credit history and background, you may be able to get a higher credit limit with the Chase Freedom Flex℠ — especially if you already have a relationship with Chase. There are many online reports of Chase offering high initial credit limits on its cards, including its no-annual fee cards. This card also features a long intro APR and a great cash back rewards program, if you don’t mind enrolling in its quarterly categories.
Pros & cons:
Pros
Cons
Intro APR on balance transfers and purchases
$0 annual fee
Good additional benefits, like purchase protection
Intro balance transfer fee
Rotating cash back categories
Higher balance transfer fee on transfers completed after 60 days
Foreign transaction fee
If you want to put some extra maintenance into a credit card to earn extra rewards even after your intro APR period ends, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
You’ll need to activate the rotating categories every quarter, and note that the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter. But if you’re willing to do the work, you’ll score great rewards.
There’s also a generous sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.49% - 28.24% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.49% - 28.24% variable APR applies.
Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
Why we picked this card: Depending on your credit history and background, you may be able to get a higher credit limit with the Chase Freedom Flex℠ — especially if you already have a relationship with Chase. There are many online reports of Chase offering high initial credit limits on its cards, including its no-annual fee cards. This card also features a long intro APR and a great cash back rewards program, if you don’t mind enrolling in its quarterly categories.
Pros & cons:
Pros
Cons
Intro APR on balance transfers and purchases
$0 annual fee
Good additional benefits, like purchase protection
Intro balance transfer fee
Rotating cash back categories
Higher balance transfer fee on transfers completed after 60 days
Foreign transaction fee
If you want to put some extra maintenance into a credit card to earn extra rewards even after your intro APR period ends, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
You’ll need to activate the rotating categories every quarter, and note that the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter. But if you’re willing to do the work, you’ll score great rewards.
There’s also a generous sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.49% - 28.24% Variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. Then, a 19.49% - 28.24% Variable APR applies.
Sign-up bonus: N/A
Why we picked this card: The Chase Slate Edge℠‘s intro APR on purchases and balance transfers is one of Chase’s strongest. Plus, you may be able to lower the regular APR by up to 2% each year — a unique feature other Chase cards lack.
Pros & cons:
Pros
Cons
Automatic consideration for APR decreases
$0 annual fee
Chance to raise your credit limit
No rewards
Foreign transaction fees
The Chase Slate Edge℠ is best if you’re looking to build credit or need a longer time to pay off a balance transfer. If you know you may end up carrying a balance, this card may also be a good choice: You can lower your APR by up to 2% each year when you pay on time and spend at least $1,000 on your card, until your APR reaches the Prime Rate plus 9.74%.
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.49% - 28.24% on balance transfers and purchases after the introductory period ends.
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.49% - 28.24% Variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. Then, a 19.49% - 28.24% Variable APR applies.
Sign-up bonus: N/A
Why we picked this card: The Chase Slate Edge℠‘s intro APR on purchases and balance transfers is one of Chase’s strongest. Plus, you may be able to lower the regular APR by up to 2% each year — a unique feature other Chase cards lack.
Pros & cons:
Pros
Cons
Automatic consideration for APR decreases
$0 annual fee
Chance to raise your credit limit
No rewards
Foreign transaction fees
The Chase Slate Edge℠ is best if you’re looking to build credit or need a longer time to pay off a balance transfer. If you know you may end up carrying a balance, this card may also be a good choice: You can lower your APR by up to 2% each year when you pay on time and spend at least $1,000 on your card, until your APR reaches the Prime Rate plus 9.74%.
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.49% - 28.24% on balance transfers and purchases after the introductory period ends.
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Best For
0% APR credit card with no foreign transaction fee
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is the rare $0 annual fee card that doesn’t charge a foreign transaction fee — making it a good option for traveling abroad. It also offers a long intro APR and a high rate of cash back on every purchase.
Pros & cons:
Pros
Cons
Earn flat-rate cash back on all purchases
Intro APR on balance transfers and purchases
$0 annual fee
Automatic reviews to increase your credit limit
Foreign transaction fees: None
There are cards with longer intro offers
Charges a balance transfer fee
High regular APR
The Capital One Quicksilver Cash Rewards Credit Card is another good choice if you’re looking for a rewards credit card with an intro APR. After you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. It earns one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Capital One Quicksilver Cash Rewards Credit Card cardholders can also earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is the rare $0 annual fee card that doesn’t charge a foreign transaction fee — making it a good option for traveling abroad. It also offers a long intro APR and a high rate of cash back on every purchase.
Pros & cons:
Pros
Cons
Earn flat-rate cash back on all purchases
Intro APR on balance transfers and purchases
$0 annual fee
Automatic reviews to increase your credit limit
Foreign transaction fees: None
There are cards with longer intro offers
Charges a balance transfer fee
High regular APR
The Capital One Quicksilver Cash Rewards Credit Card is another good choice if you’re looking for a rewards credit card with an intro APR. After you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. It earns one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Capital One Quicksilver Cash Rewards Credit Card cardholders can also earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Intro purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, a 19.74%, 24.74%, or 29.74% variable APR applies.
Intro balance transfer APR: N/A
Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Why we picked this card: A sign-up bonus can help you pay off a purchase, and the Wells Fargo Autograph℠ Card currently features one of the largest sign-up bonuses for a $0-annual-fee credit card: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Pros & cons:
Pros
Cons
Large sign-up bonus
Unlimited 3x points on several bonus categories
Simple, straightforward rewards
$0 annual fee
No introductory 0% APR on balance transfers
Intro period is on the short side
19.74%, 24.74%, or 29.74% variable APR after purchase introductory period ends
The Wells Fargo Autograph℠ Card is a great option if you’re looking for a card with an intro 0% APR on purchases, as well as a large sign-up bonus and great rewards on travel purchases. You’ll get a 0% intro APR for 12 months from account opening on purchases, and a 19.74%, 24.74%, or 29.74% variable APR thereafter.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
$0 annual fee
0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
Select “Apply Now” to learn more about the product features, terms and conditions.
Intro purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, a 19.74%, 24.74%, or 29.74% variable APR applies.
Intro balance transfer APR: N/A
Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Why we picked this card: A sign-up bonus can help you pay off a purchase, and the Wells Fargo Autograph℠ Card currently features one of the largest sign-up bonuses for a $0-annual-fee credit card: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Pros & cons:
Pros
Cons
Large sign-up bonus
Unlimited 3x points on several bonus categories
Simple, straightforward rewards
$0 annual fee
No introductory 0% APR on balance transfers
Intro period is on the short side
19.74%, 24.74%, or 29.74% variable APR after purchase introductory period ends
The Wells Fargo Autograph℠ Card is a great option if you’re looking for a card with an intro 0% APR on purchases, as well as a large sign-up bonus and great rewards on travel purchases. You’ll get a 0% intro APR for 12 months from account opening on purchases, and a 19.74%, 24.74%, or 29.74% variable APR thereafter.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
$0 annual fee
0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
Select “Apply Now” to learn more about the product features, terms and conditions.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.49% - 28.24% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.49% - 28.24% variable APR applies.
Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Why we picked this card: The Chase Freedom Unlimited® is a great option if you’re looking for the combination of a solid 0% introductory APR, along with a large amount of cash back with every purchase. It features a bonus on lucrative categories, like dining and drugstores, and you’ll also get 1.5% back on all your other purchases.
Pros & cons:
Pros
Cons
Earn cash back in popular spending categories
Intro APR on balance transfers and purchases
$0 annual fee
Other good benefits, like purchase protection
Other cards have longer intro periods
High regular APR
Charges a balance transfer fee
The Chase Freedom Unlimited® comes with a great rewards program, which makes it a valuable card to use past its intro APR period. Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
You can also earn a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Plus, the Chase Freedom Unlimited® is a Visa, unlike the Chase Freedom Flex℠ (which is a Mastercard). That could come in handy if you shop frequently at Costco, where Visa is the only credit card network accepted for in-store purchases.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.49% - 28.24% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.49% - 28.24% variable APR applies.
Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Why we picked this card: The Chase Freedom Unlimited® is a great option if you’re looking for the combination of a solid 0% introductory APR, along with a large amount of cash back with every purchase. It features a bonus on lucrative categories, like dining and drugstores, and you’ll also get 1.5% back on all your other purchases.
Pros & cons:
Pros
Cons
Earn cash back in popular spending categories
Intro APR on balance transfers and purchases
$0 annual fee
Other good benefits, like purchase protection
Other cards have longer intro periods
High regular APR
Charges a balance transfer fee
The Chase Freedom Unlimited® comes with a great rewards program, which makes it a valuable card to use past its intro APR period. Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
You can also earn a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Plus, the Chase Freedom Unlimited® is a Visa, unlike the Chase Freedom Flex℠ (which is a Mastercard). That could come in handy if you shop frequently at Costco, where Visa is the only credit card network accepted for in-store purchases.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro purchase APR: 0% intro APR for 15 months from account opening, after which a 19.74%, 24.74%, or 29.74% variable APR applies.
Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.74%, 24.74%, or 29.74% variable APR applies.
Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Why we picked this card: The Wells Fargo Active Cash® Card card is a great option for financing a large purchase, thanks to the combination of its rewards and its long introductory offer. Not only can you earn a large sign-up bonus with your purchase, but you’ll also earn 2% cash back on it. In fact, it’s one of the most rewarding flat-rate cash back credit cards around, making it a good card to keep in the long run.
Pros & cons:
Pros
Cons
High rate of cash back on every purchase
Generous sign-up bonus
Cellphone protection
There are cards with longer intro offers
Charges a balance transfer fee
High regular APR
The Wells Fargo Active Cash® Card is one of the best options if you’re looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.
Earn a $200 cash rewards bonus after spending $1,000 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, then a 19.74%, 24.74%, or 29.74% variable APR; 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
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and conditions
Intro purchase APR: 0% intro APR for 15 months from account opening, after which a 19.74%, 24.74%, or 29.74% variable APR applies.
Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.74%, 24.74%, or 29.74% variable APR applies.
Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Why we picked this card: The Wells Fargo Active Cash® Card card is a great option for financing a large purchase, thanks to the combination of its rewards and its long introductory offer. Not only can you earn a large sign-up bonus with your purchase, but you’ll also earn 2% cash back on it. In fact, it’s one of the most rewarding flat-rate cash back credit cards around, making it a good card to keep in the long run.
Pros & cons:
Pros
Cons
High rate of cash back on every purchase
Generous sign-up bonus
Cellphone protection
There are cards with longer intro offers
Charges a balance transfer fee
High regular APR
The Wells Fargo Active Cash® Card is one of the best options if you’re looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.
Earn a $200 cash rewards bonus after spending $1,000 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, then a 19.74%, 24.74%, or 29.74% variable APR; 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
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and conditions
Intro purchase APR: 0% Intro APR on Purchases for 12 months, after which an APR of 17.74% - 23.74% variable applies.
Intro balance transfer APR: N/A
Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we picked this card: The Chase Ink Business Cash® Credit Card offers one of the longest intro APRs you’ll find on a business credit card. It has much to offer for a small business owner, including a very generous sign-up bonus and 5% cash back on a lot of common business purchases.
Pros & cons:
Pros
Cons
Valuable welcome bonus
Rewards on popular business categories
$0 annual fee
No 0% intro APR on balance transfers
High spending requirement for the welcome bonus
Ownership of a small business is required
5% bonus category capped at $25,000 in purchases per year
The Ink Business Cash® Credit Card is an outstanding option for small businesses looking for a 0% intro APR. In addition to the introductory APR, you’ll earn the following sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, all this comes with unlimited employee cards and a $0 annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Intro purchase APR: 0% Intro APR on Purchases for 12 months, after which an APR of 17.74% - 23.74% variable applies.
Intro balance transfer APR: N/A
Sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we picked this card: The Chase Ink Business Cash® Credit Card offers one of the longest intro APRs you’ll find on a business credit card. It has much to offer for a small business owner, including a very generous sign-up bonus and 5% cash back on a lot of common business purchases.
Pros & cons:
Pros
Cons
Valuable welcome bonus
Rewards on popular business categories
$0 annual fee
No 0% intro APR on balance transfers
High spending requirement for the welcome bonus
Ownership of a small business is required
5% bonus category capped at $25,000 in purchases per year
The Ink Business Cash® Credit Card is an outstanding option for small businesses looking for a 0% intro APR. In addition to the introductory APR, you’ll earn the following sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, all this comes with unlimited employee cards and a $0 annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Best For
0% APR credit card for home improvement/furnishings
Intro purchase APR: 0% intro APR for 15 months on purchases, after which a 18.49% - 28.49% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.49% - 28.49% (variable) APR applies.
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Why we picked this card: With the Citi Custom Cash℠ Card, you get 5% cash back on your highest eligible spend category during each billing cycle, up to a total of $500 spent each month. Home improvement is one of the eligible categories — the 5% cash back rate on this category is outstanding and not matched by many other cards.
Pros & cons:
Pros
Cons
Elevated rewards on your top spending category
Intro APR on balance transfers and purchases
$0 annual fee
Other cards have longer intro periods
$500 purchase limit on 5% category
Other purchases only earn 1% cash back
Charges a balance transfer fee
The Citi Custom Cash℠ Card is best if you’re looking for a card with a long intro APR and a flexible cash back rate you can use after the period ends. With this card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Categories the card selects from to determine your 5% category each month include:
Restaurants
Gas stations
Grocery stores
Select travel
Select transit
Select streaming services
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
The Citi Custom Cash℠ Card also offers a relatively easy-to-earn sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro purchase APR: 0% intro APR for 15 months on purchases, after which a 18.49% - 28.49% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.49% - 28.49% (variable) APR applies.
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Why we picked this card: With the Citi Custom Cash℠ Card, you get 5% cash back on your highest eligible spend category during each billing cycle, up to a total of $500 spent each month. Home improvement is one of the eligible categories — the 5% cash back rate on this category is outstanding and not matched by many other cards.
Pros & cons:
Pros
Cons
Elevated rewards on your top spending category
Intro APR on balance transfers and purchases
$0 annual fee
Other cards have longer intro periods
$500 purchase limit on 5% category
Other purchases only earn 1% cash back
Charges a balance transfer fee
The Citi Custom Cash℠ Card is best if you’re looking for a card with a long intro APR and a flexible cash back rate you can use after the period ends. With this card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Categories the card selects from to determine your 5% category each month include:
Restaurants
Gas stations
Grocery stores
Select travel
Select transit
Select streaming services
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
The Citi Custom Cash℠ Card also offers a relatively easy-to-earn sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Best For
0% APR credit card with an instant credit card number
Intro purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After that, a 18.49% to 29.49% variable APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. After that a 18.49% to 29.49% variable APR applies.
Sign-up bonus: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Why we picked this card: If you’re hoping to score a 0% APR offer to help you to cover an unexpected expense, you may not want to wait seven to 10 days for your card to arrive in the mail. With the American Express Cash Magnet® Card, you can get your card number right away (if eligible) and use it to make your purchase as soon as your credit card account is approved.
Pros & cons:
Pros
Cons
Ability to get an instant card number
High rate of cash back on all purchases
Cash back is easily redeemed for statement credits
Large welcome offer
$0 annual fee
No bonus spending categories
American Express isn’t accepted at as many places as Visa or Mastercard
Charges a foreign transaction fee
The American Express Cash Magnet® Card is great if you need to make a purchase right away, since you can get your card number instantly if you’re eligible. It also comes with $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. Plus, you earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Unlimited 1.5% Cash Back on your purchases.
Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 18.49% to 29.49%.
Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
No Annual Fee.
Terms Apply.
Intro purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After that, a 18.49% to 29.49% variable APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. After that a 18.49% to 29.49% variable APR applies.
Sign-up bonus: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Why we picked this card: If you’re hoping to score a 0% APR offer to help you to cover an unexpected expense, you may not want to wait seven to 10 days for your card to arrive in the mail. With the American Express Cash Magnet® Card, you can get your card number right away (if eligible) and use it to make your purchase as soon as your credit card account is approved.
Pros & cons:
Pros
Cons
Ability to get an instant card number
High rate of cash back on all purchases
Cash back is easily redeemed for statement credits
Large welcome offer
$0 annual fee
No bonus spending categories
American Express isn’t accepted at as many places as Visa or Mastercard
Charges a foreign transaction fee
The American Express Cash Magnet® Card is great if you need to make a purchase right away, since you can get your card number instantly if you’re eligible. It also comes with $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. Plus, you earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
Unlimited 1.5% Cash Back on your purchases.
Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 18.49% to 29.49%.
Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
No Annual Fee.
Terms Apply.
The information related to the American Express Cash Magnet® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Intro purchase APR: 0% Intro APR for 6 months on purchases from the date of account opening. After that, a 17.49% - 26.49% Variable APR will apply.
Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.49% - 26.49% Variable APR applies.
Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Why we picked this card: The Discover it® Student Cash Back card is the rare card that offers a 0% purchase APR to students with limited credit histories. It also features a great cash back rewards program, in which your cash back for the first year is automatically matched at the end of the year.
Pros & cons:
Pros
Cons
Earn bonus cash back in rotating quarterly categories
Unlimited cash back match at the end of the first year for new cardholders
May be approved even with no or limited credit history
$0 annual fee
Quarterly categories capped at $1,500 in purchases
Discover isn’t as widely accepted as Mastercard or Visa, especially overseas
Rotating categories require registration each quarter
As the name suggests, the Discover it® Student Cash Back is a good option if you’re a student with a limited credit history. You can use the card to help build your credit — as you use it responsibly, you can raise your credit score and become eligible for more premium credit cards.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
No credit score required to apply.
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.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
Click through to Discover’s website to see terms and conditions.
Intro purchase APR: 0% Intro APR for 6 months on purchases from the date of account opening. After that, a 17.49% - 26.49% Variable APR will apply.
Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.49% - 26.49% Variable APR applies.
Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Why we picked this card: The Discover it® Student Cash Back card is the rare card that offers a 0% purchase APR to students with limited credit histories. It also features a great cash back rewards program, in which your cash back for the first year is automatically matched at the end of the year.
Pros & cons:
Pros
Cons
Earn bonus cash back in rotating quarterly categories
Unlimited cash back match at the end of the first year for new cardholders
May be approved even with no or limited credit history
$0 annual fee
Quarterly categories capped at $1,500 in purchases
Discover isn’t as widely accepted as Mastercard or Visa, especially overseas
Rotating categories require registration each quarter
As the name suggests, the Discover it® Student Cash Back is a good option if you’re a student with a limited credit history. You can use the card to help build your credit — as you use it responsibly, you can raise your credit score and become eligible for more premium credit cards.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
No credit score required to apply.
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.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
Click through to Discover’s website to see terms and conditions.
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Why we picked this card: The Capital One SavorOne Cash Rewards Credit Card is a great option if you’re looking to both finance and earn rewards on your wedding expenses. It earns unlimited 3% cash back on dining, groceries, entertainment and popular streaming services.It also lets you earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening and $0 annual fee.
Pros & cons:
Pros
Cons
Generous cash back on food and entertainment
Intro APR on balance transfers and purchases
$0 annual fee
Foreign transaction fee: None
Other cards have longer intro periods
Charges a balance transfer fee
High regular APR
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, it lacks a foreign transaction fee, making it a fine choice for a vacation abroad (your honeymoon, perhaps?) when you want to sample new and exciting cuisines.
Earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Why we picked this card: The Capital One SavorOne Cash Rewards Credit Card is a great option if you’re looking to both finance and earn rewards on your wedding expenses. It earns unlimited 3% cash back on dining, groceries, entertainment and popular streaming services.It also lets you earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening and $0 annual fee.
Pros & cons:
Pros
Cons
Generous cash back on food and entertainment
Intro APR on balance transfers and purchases
$0 annual fee
Foreign transaction fee: None
Other cards have longer intro periods
Charges a balance transfer fee
High regular APR
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, it lacks a foreign transaction fee, making it a fine choice for a vacation abroad (your honeymoon, perhaps?) when you want to sample new and exciting cuisines.
Earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best For
0% APR credit card with a low ongoing APR
PNC Core Visa
Review Coming Soon
PNC Core Visa
Introductory APR0% introductory APR for the first 15 billing cycles following account opening
Intro purchase APR: 0% introductory APR for the first 15 billing cycles following account opening. After that, a 15.49% to 27.49% APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 billing cycles following account opening on balance transfers, then 15.49% to 27.49% APR applies.
Sign-up bonus: N/A
Why we picked this card: An introductory or temporary 0% APR is great — but if you aren’t able to completely pay down your bill by the end of the intro period, you’ll be charged interest at the regular rate. The PNC Core® Visa® Credit Card is currently offering an APR of 15.49% to 27.49% after your intro period, which is lower than the APRs for many other cards on this list.
Pros & cons:
Pros
Cons
Generous cash back on food and entertainment
Long intro APR on balance transfers and purchases
$0 annual fee
No ongoing rewards
Balance transfer fee
Foreign transaction fee
The PNC Core® Visa® Credit Card could be the right option if you’re not sure you’ll be able to pay down your balance by the end of the introductory 0% APR period. Because it has a relatively low ongoing APR, you’ll pay less in interest on any balance you’re not able to pay off by the end of the intro period.
Dedicated U.S.-based customer service
Travel and emergency protection
Zero liability fraud protection
Intro purchase APR: 0% introductory APR for the first 15 billing cycles following account opening. After that, a 15.49% to 27.49% APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 billing cycles following account opening on balance transfers, then 15.49% to 27.49% APR applies.
Sign-up bonus: N/A
Why we picked this card: An introductory or temporary 0% APR is great — but if you aren’t able to completely pay down your bill by the end of the intro period, you’ll be charged interest at the regular rate. The PNC Core® Visa® Credit Card is currently offering an APR of 15.49% to 27.49% after your intro period, which is lower than the APRs for many other cards on this list.
Pros & cons:
Pros
Cons
Generous cash back on food and entertainment
Long intro APR on balance transfers and purchases
$0 annual fee
No ongoing rewards
Balance transfer fee
Foreign transaction fee
The PNC Core® Visa® Credit Card could be the right option if you’re not sure you’ll be able to pay down your balance by the end of the introductory 0% APR period. Because it has a relatively low ongoing APR, you’ll pay less in interest on any balance you’re not able to pay off by the end of the intro period.
Dedicated U.S.-based customer service
Travel and emergency protection
Zero liability fraud protection
The information related to the PNC Core Visa has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Intro purchase APR: 0% intro on purchases for 18 months. After that, a 19.24% - 29.24% (Variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 18 months on balance transfers, then a 19.24% - 29.24% (Variable) APR applies.
Sign-up bonus: Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
Why we picked this card: The Capital One VentureOne Rewards Credit Card offers a great combination of a long 0% introductory APR and rewards that can help you finance your next vacation. It earns 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. This card also offers a $0 annual fee and no limit or expiration on how many miles you can earn.
Pros & cons:
Pros
Cons
Intro APR offer
$0 annual fee
Sign-up bonus
No limit on number of miles earned
Redeem rewards for airfare, hotel or travel purchases with no blackout dates
Modest rewards earning rate
Balance transfer fee
The Capital One VentureOne Rewards Credit Cardis a great choice if you’re looking to finance a trip and pay it off over a long period of time. The card comes with a 0% intro on purchases for 18 months, then 19.24% - 29.24% (Variable). You’ll also earn higher-than-average rewards on your purchase that can go toward a future trip: You’ll earn 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. And you earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel.
$0 annual fee and no foreign transaction fees
Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Intro purchase APR: 0% intro on purchases for 18 months. After that, a 19.24% - 29.24% (Variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 18 months on balance transfers, then a 19.24% - 29.24% (Variable) APR applies.
Sign-up bonus: Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
Why we picked this card: The Capital One VentureOne Rewards Credit Card offers a great combination of a long 0% introductory APR and rewards that can help you finance your next vacation. It earns 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. This card also offers a $0 annual fee and no limit or expiration on how many miles you can earn.
Pros & cons:
Pros
Cons
Intro APR offer
$0 annual fee
Sign-up bonus
No limit on number of miles earned
Redeem rewards for airfare, hotel or travel purchases with no blackout dates
Modest rewards earning rate
Balance transfer fee
The Capital One VentureOne Rewards Credit Cardis a great choice if you’re looking to finance a trip and pay it off over a long period of time. The card comes with a 0% intro on purchases for 18 months, then 19.24% - 29.24% (Variable). You’ll also earn higher-than-average rewards on your purchase that can go toward a future trip: You’ll earn 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. And you earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel.
$0 annual fee and no foreign transaction fees
Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Earn a $200 bonus after you spend $500 on purchases in the first three months. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
Capital One SavorOne Cash Rewards Credit Card Apply Now
on Capital One's secure site
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases
When searching for the best 0% APR credit for you, you’ll want to keep your eye on these features:
The length of the introductory period for purchases is the most important feature to look at. You’ll generally want to find the longest period possible, or at least a period that lets you pay off your purchase in time. Try dividing the cost of your intended purchase by the number of months of the intro period on the card — that’ll give you an idea of how large your monthly payment will be and whether you can pay off your balance by the end of the 0% APR period.
If you’re paying interest on an existing credit card balance, you may be more interested in the 0% introductory rate on balance transfers. This rate can allow you to transfer over your balance and pay no interest during the introductory period. Like the 0% introductory APR on purchases, you’ll want the balance transfer period to be as long as possible. But don’t overlook the balance transfer fee — and try to find a card with no balance transfer fee, if possible.
There are many different kinds of credit card APRs, but you should pay close attention to the regular APR. This is the APR you’ll pay after any introductory 0% periods are over. If you have any balance left at the end of the intro period, the regular APR will determine how much interest you have to pay each month.
Most of the credit cards on this list have no annual fee. But if you’re considering a credit card with an annual fee, make sure to account for how much that fee will cut into your overall savings with the card.
Besides an initial welcome bonus, many credit cards offer a rewards program, through which you can earn cash back or travel rewards with each purchase. This can be another way to help defray the costs of financing your purchase.
Depending on what you’re buying, you may want to make sure that the credit card you’re using offers some sort of purchase protection. Our list of the best extended warranty credit cards can be a good reference to see what protections you can take advantage of.
If you have an emergency, or another type of purchase that you need to make without waiting seven to 10 days for your card to arrive, you may want to get one that offers instant credit card numbers. Some issuers offer instant credit card numbers on all of their cards (if you’re eligible), while others only offer them on certain cards.
What is a 0% intro APR card?
A 0% intro APR credit card lets you carry a balance on the card for a period of time (usually between six and 21 months) without accumulating interest. There are two types of 0% APR cards: 0% APR on purchases and 0% on balance transfers. Some cards on this list offer one or the other, while other cards offer both.
0% intro APR for purchases
A card offering a 0% intro APR on new purchases, waives the interest for a certain period time on new charges to your account. This can be helpful when you need time to pay off a big-ticket item or project, such as remodeling a bathroom or fixing your car’s transmission.
Once the intro period expires, any balance remaining will be subject to the ongoing APR.
0% intro APR for balance transfers
A balance transfer card allows you a break from interest charges while you pay off debt transferred from another credit card. This can allow you to pay down debt faster, since the entire payment goes toward the principal of your debt, rather than the principal plus interest. You may have to pay a balance transfer fee on the amount transferred (there are cards with no balance transfer fees, but they are rare), but that fee may be worth it if you save more in interest than you pay to make the transfer.
When applying for a card, make sure that it’s a true 0% intro offer and not a deferred interest offer. A true 0% introductory offer charges no interest during the intro period, and then interest only on any outstanding balance once the intro offer is over. With a deferred interest offer, if you don’t completely pay off the balance by the end of the introductory period, you’ll be charged interest on the total amount. All of the cards in our list above are true 0% APR credit cards.
What is a long intro 0% APR?
A long 0% intro APR period can last from 12 to 21 months. If you have a good or excellent credit score, you can likely qualify for a card with a longer intro APR.
Below are the most common lengths for intro APR periods, whether you’re financing a large purchase or transferring a balance.
Can save you interest to help you pay down your debt
May improve your credit score
Earn rewards and/or welcome bonuses
Possibly a good option for large purchases
You may be charged a balance transfer fee
If you make a late payment, you may forfeit your 0% APR
It may make you complacent or less motivated to pay off your debt
Interest charged on your remaining debt could be significantly high
Should you get a 0% APR credit card?
You should only consider getting a 0% APR card if you have a payment plan in place and are disciplined enough to pay down your balance.
A 0% APR credit card can be a good option if you have a large purchase coming up, or if you’re carrying a balance on a card that is charging you interest. However, 0% APR cards have some risks, especially if you are planning to finance a new purchase with a credit card. Since 0% APR cards only require you to pay a minimum amount due each month and don’t usually enforce a payment schedule, it can be tempting not to pay off your balance. If you don’t pay off your balance before the introductory period expires, you could end up paying a high amount of interest on your remaining balance.
When you shouldn’t get a 0% APR credit card
A 0% APR card probably isn’t right for you if you want to earn rewards. Many 0% intro APR cards have limited to no rewards, since they’re often used just for the purpose of transferring a balance or financing a big purchase. If you want to earn cash back or travel points, opt for a rewards credit card instead.
You also shouldn’t get a no-interest credit card if you don’t have any trouble paying off your balances in full and on time. If you do pay off your balance every month, then you don’t need to worry about your APR — and you can find cards with more robust earning rates and features.
Alternatives to 0% interest APR credit cards
If you want more benefits than credit cards with no-interest periods offer, but you also don’t want a card with a high interest rate, then a low interest credit card might be a better fit.
According to LendingTree data, the average credit card interest rate is 23.55%. The credit cards below have APRs that are potentially lower than that.
Since interest rates are usually variable, they’re listed as a range — and factors including your credit score could impact the APR you end up with. If you have a good credit score, you’ll usually qualify for a lower APR.
The information related to the Lake Michigan Credit Union Prime Platinum, the DCU Visa® Platinum Credit Card and the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
How to choose a 0% APR credit card
Make sure you can qualify for a 0% APR credit card
You’ll typically need good or excellent credit to qualify for a 0% APR credit card. If your credit score is poor or fair, you might want to first consider our list of the best cards for fair credit and the best credit cards for bad credit. Unfortunately, if your credit score is too low, you may not qualify for a 0% APR offer.
Don’t know your credit score? Sign-up for My LendingTree to get your free credit score and recommendations to boost your score.
FICO Score
Vantage Score
300-579 is poor credit
580-669 is fair credit
670-739 is good credit
740-799 is very good credit
800-850 is exceptional credit
300-499 is very poor credit
500-600 is poor credit
601-660 is fair credit
661-780 is good credit
781-850 is excellent credit
When applying for a new credit card, make sure that you read the fine print of the terms and conditions. Some cards restrict eligibility to receive an introductory APR, for example, to those who have not had the card in the past 24 months. Other issuers may choose not to approve you at all if you’ve applied for too many credit cards recently.
Search for cards with longer introductory periods
You’ll generally want to find a card with a longer intro period, to make your payments more manageable. However, the intro period isn’t everything — there’s often a tradeoff between rewards and intro periods. If a rewards program is an important feature for you, you’ll need to settle for a somewhat shorter intro period.
The advertised introductory period doesn’t necessarily mean that you can make purchases at 0% for the entire period. If a card offers 15 months of a 0% intro APR, you may only qualify for 0% for purchases made in the first 60 or 90 days of having the card. Make sure to read the fine print of the offer to understand the terms before you apply for a card.
Factor in the value of the sign-up bonus (if you can earn it)
Many credit cards with 0% APR offers also offer sign-up bonuses of hundreds of dollars that can help pay off your purchase, so it may make sense to seek out cards that offer bonuses. While most cards with no annual fee offer either no sign-up bonus or a sign-up bonus in the range of $150 to $200, some cards do offer higher welcome bonuses.
Find rewards that match your spending patterns
While some cards offer a flat rewards rate on all purchases, other credit cards offer bonus rewards in certain spending categories. Match up the type of purchase(s) you’ll be financing with cards that offer bonus rewards on those purchases to help you earn extra rewards. You should also consider bonus categories that match your regular spending categories if you intend to keep the card after the intro offer expires.
Your intro APR period has an expiration date — so make sure you can budget for payments before you apply for a 0% intro APR card. This can help you avoid spilling payments past your intro APR period, which may cause you to pay more in interest.
Time your application accordingly.
If you’re using your no interest card to finance a big purchase, the timing of your application is important. It’s best to apply for a card close to or right before you make your big purchase. That way, you’ll be able to use the entirety of the card’s intro APR period to pay it off. If you get your credit card too far in advance of your big purchase, you may waste some of the months of the intro 0% APR period.
Utilize the card’s features.
Depending on the card and your financial situation, you may maximize the card’s value by taking advantage of its rewards rate and sign-up bonus. Some cards, like the Wells Fargo Autograph Card, have a long intro APR period in addition to a valuable sign-up bonus and rewards rate.
The Wells Fargo Autograph℠ Card has 0% intro APR for 12 months from account opening on purchases. After, a 19.74%, 24.74%, or 29.74% variable APR applies. But it also has a valuable sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Other cards, like the Wells Fargo Reflect® Card, have solid intro APR periods but no rewards or sign-up bonuses.
Consider the card’s regular APR.
In the case you have to carry a balance past your intro APR period, take a look at the regular APR range for your card. If it has a high maximum APR and your credit isn’t good or excellent, then you may want to apply for a card with a lower cap.
How to get a 0% APR credit card
Once you’ve decided to apply for a 0% APR credit card, you can follow these simple steps:
Decide on the best card for your situation: Strike a balance between a long intro 0% APR, rewards and other card benefits.
Gather the required information to apply: Have your name, address, income and employment information on hand.
Prepare for a credit impact: Each time you apply for a credit card, a hard inquiry will typically appear on your credit report and lower your credit score by a few points.
For most credit cards, you’re unlikely to be able to extend the 0% introductory period. Once the intro period is over, you’ll start paying the regular APR on any outstanding balance. One card where you can get a small extension is the Wells Fargo Reflect card — with that card, you can get three extra months if you make consistent on-time payments during your introductory period.
No. The longest intro APR period among cards currently available on LendingTree and major issuers is 21 months.
A purchase APR is the APR that applies to any balance you carry from the things you buy using the card, as opposed to transferring a balance onto your card. It’s common for cards to have the same APRs for both purchases and balance transfers, though sometimes they differ.
If a card says it has a 0% APR, that means any balance you carry on the card won’t be charged interest. Cards may offer 0% interest on purchases, balance transfers or both. This benefits you by giving you more time to pay off your balance without having to worry about accruing interest. Just be aware that you may lose the card’s intro 0% APR period if you make late payments.
A variable APR means that a card offers a range for your possible APR. There are several factors that can affect which APR you’ll receive — but you’ll usually end up with a higher APR if you have a lower credit score. If, however, you pay off your balance in full every month, then you don’t have to worry about what your APR is.
Yes, intro APR and deferred interest are two different types of promotional periods. With deferred interest, if you don’t pay off the balance in full by a certain date, you’ll owe back interest from the date of purchase. Deferred interest deals are often promoted on store cards.
With an intro APR offer, you’ll only be charged interest on any remaining unpaid balance after the intro APR period ends.
Methodology
The most important criterion in compiling this list of 0% intro APR credit cards was that each card should offer a 0% intro APR period. Some cards offer intro periods on both purchases and balance transfers, while others only offer an intro period for one or the other.
In addition, whether or not the card charges a balance transfer fee — and if so, how much — was also considered. Whether or not the card has a sign-up bonus or welcome offer also weighed in the evaluation process.
Other helpful features were also considered, such as ongoing rewards programs and benefits like cellphone protection.
Finally, none of the credit cards on this list charge an annual fee.
Kristen Grau is a staff writer at LendingTree, where she focuses on credit cards.
Before joining LendingTree in 2022, she wrote about small business taxes for an accounting firm in Orlando. She’s also covered personal finance and credit topics for the personal finance site Debt.com, as well as student finance topics for the education site BestColleges.com. Kristen loves to help people make financial decisions through content that’s empowering and easy to understand.
Kristen studied journalism at Florida Atlantic University.
When applying for a card, make sure that it’s a true 0% intro offer and not a deferred interest offer. A true 0% introductory offer charges no interest during the intro period, and then interest only on any outstanding balance once the intro offer is over. With a 
When applying for a new credit card, make sure that you read the fine print of the terms and conditions. Some cards restrict eligibility to receive an introductory APR, for example, to those who have not had the card in the past 24 months. Other issuers may choose not to approve you at all if you’ve applied for too many credit cards recently.
