15 Best 0% APR Credit Cards in May 2025

Thanks to its long intro period and high ongoing rewards rate, the Chase Freedom Unlimited^® offers more potential savings than any other 0% APR credit card. There’s also a Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. You’ll have over a year to pay off your purchase or balance transfer interest-free, and you can apply any cash back rewards you earn toward your balance.

The U.S. Bank Shield™ Visa® Card gives you two full years to pay off your purchase or balance transfer. This is currently the longest intro period we could find, adding up to some serious savings. And unlike other cards with comparable offers, the U.S. Bank Shield™ Visa® Card also earns rewards. You’ll get 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.

The Wells Fargo Reflect^® Card gives you almost two years to pay off your purchase or balance transfer with no interest, potentially saving you hundreds in interest payments. And while it doesn’t come with a rewards program or sign-up bonus, you will get up to $600 of cellphone protection.

With the U.S. Bank Visa^® Platinum Card, you’ll get 21 billing cycles to pay off your purchase or balance transfer without any interest. There’s no sign-up bonus or rewards program, but the card does come with cellphone protection and the ability to choose your own due date.

You can save hundreds on interest payments by paying off your debt during the the BankAmericard^® credit card‘s long intro APR period. And though this card doesn’t offer a rewards program or a sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.

The Chase Slate Edge^℠ gives you a year and a half to pay off a large purchase or balance transfer without interest. Plus, you’ll have a chance to lower your ongoing APR by 2% each year if you pay on time and spend at least $1,000 on your card. Just know that missing a payment could trigger a penalty APR and late payment fees.

Living up to its name, the Citi Simplicity^® Card is a no-frills credit card that gives you 21 months to pay off your balance transfer. And although the purchase intro period is shorter, our calculations show that you can still count on some serious savings there as well. On top of that, you’ll never have to worry about paying late fees or a penalty APR.

You could save over $1,000 in interest with the Chase Freedom Flex^℠‘s intro APR period — but the card’s value doesn’t end there. It’s also one of the best rewards credit cards, thanks to its valuable sign-up bonus and generous cash back program. You’ll earn 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.

With the Wells Fargo Active Cash^® Card, you’ll get 12 months to pay off a large purchase interest-free. That alone could save you over $1,100, but there’s even more value in the card’s unlimited cash back program and sign-up bonus. In addition to 2% cash back on every purchase, you’ll earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. This combination of features lands the Wells Fargo Active Cash^® Card on our list of the best cash back credit cards.

The Discover it^® Miles gives you 15 months to pay off a purchase, and you’ll earn rewards at a high flat rate that you can redeem for cash back or travel statement credits. It also features a fantastic welcome offer, which matches all the rewards earned at the end of the first year for new cardholders. All this can add up to some serious savings in your first two years, especially if you’re looking to finance an upcoming vacation.

Ideal for foodies who love to save, the Capital One Savor Cash Rewards Credit Card comes with a long intro APR and one of the highest cash back rates on dining and entertainment. Plus, there’s a valuable sign-up bonus: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Combine all that with a $0 annual fee, and you’ve got one of the best dining credit cards out there.

The Blue Cash Preferred^® Card from American Express gives you a year to pay off your purchase or balance transfer, along with rewards that can add up to huge savings over two years — even with the card’s annual fee. You’ll earn up to 6% cash back* in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, you’ll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months.

If you’re a ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The 12.50% - 17.99% Variable is the lowest we could find among cards with a 0% intro APR on purchases and balance transfers. Additionally, there’s no annual or balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.

Our pick for the best 0% APR business credit card is the Ink Business Unlimited^® Credit Card. It comes with a solid intro period and huge rewards, which you can use to help pay off a large business purchase. In addition to earning unlimited cash back on every purchase, you’ll have a chance to earn a hefty sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

The Bank of America® Travel Rewards Credit Card for Students is a great option for students looking to finance a large purchase. You’ll get 15 months interest free — one of the longest intro periods among student credit cards — as well as the opportunity to earn points on every purchase. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, it doesn’t charge foreign transaction fees, making it a solid choice for a semester abroad.