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15 Best 0% APR Credit Cards for Long Intro Periods in June 2023

Written by

Kristen Grau

Dan Miller

Edited by

Robin Ratcliff

June 1, 2023

*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 June 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

BankAmericard^® credit card

Apply Now

on Bank Of America's secure site

BankAmericard^® credit card

The BankAmericard^® credit card gives you one of the longest intro APRs to pay down a large purchase or a transferred balance. Even better — it has a $0 annual fee.

Apply Now

on Bank Of America's secure site

Best 0% APR Credit Cards for Long Intro Periods — June 2023

Winner (Longest 0% intro APR)

BankAmericard^® credit card
21-month 0% intro APR

Wells Fargo Reflect^® Card
18-month 0% intro APR

U.S. Bank Visa^® Platinum Card
High credit limit

Chase Freedom Flex℠
No foreign transaction fee

Capital One Quicksilver Cash Rewards Credit Card
Sign-up bonus

Wells Fargo Autograph^℠ Card
Cash back

Chase Freedom Unlimited^®
Large purchases

Wells Fargo Active Cash^® Card
Business credit card

Ink Business Cash^® Credit Card
Home improvement/furnishings

Citi Custom Cash℠ Card
Instant credit card number

American Express Cash Magnet® Card
Students

Discover it^® Student Cash Back
Wedding expenses

Capital One SavorOne Cash Rewards Credit Card
Low ongoing APR

PNC Core® Visa® Credit Card
Travel

Capital One VentureOne Rewards Credit Card

The information for 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. 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 For Winner (Longest 0% intro APR)

BankAmericard^® credit card

Apply Now

on Bank Of America's secure site

BankAmericard^® credit card

Introductory APR 0% Intro APR for 21 billing cycles for purchases

Annual Fee $0

Regular Purchase APR 15.99% - 25.99% Variable APR

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases. After the intro period, a 15.99% - 25.99% 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 15.99% - 25.99% 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 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, 15.99% - 25.99% 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 15.99% - 25.99% Variable APR applies.

Sign-up bonus: N/A

Pros & cons:

Pros	Cons
Long intro APR period $0 annual fee No penalty APR	No rewards program Excellent/Good credit required

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, 15.99% - 25.99% 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.

Check out our BankAmericard^® credit card review.

Best For 21-month 0% intro APR

Wells Fargo Reflect^® Card

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Wells Fargo Reflect^® Card

Introductory APR 0% intro APR 21 months from account opening

Annual Fee $0

Regular Purchase APR 17.99% - 29.99% variable APR

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro APR 21 months from account opening and a 17.99% - 29.99% variable APR applies after the intro period.

Intro balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers. After the intro period, a 17.99% - 29.99% variable APR applies.

Sign-up bonus: N/A

Why we picked this card: While the Wells Fargo Reflect^® Card charges a higher APR than the BankAmericard^® credit card, it features an equally fantastic introductory period for both balance transfers and purchases. As long as you’re assured you can pay down your balance before the high interest rate kicks in, this is another great way to go for financing a purchase.

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 pay down your balance before the promotional period ends — which you should do with any credit card — you can save a lot on 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 credit card, it doesn’t offer any rewards, so you’re out of luck if you want a card you can use long term.

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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 21 months from account opening and a 17.99% - 29.99% variable APR applies after the intro period.

Intro balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers. After the intro period, a 17.99% - 29.99% variable APR applies.

Sign-up bonus: N/A

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

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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

The information related to the Wells Fargo Reflect^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For 18-month 0% intro APR

U.S. Bank Visa<sup>®</sup> Platinum Card

U.S. Bank Visa^® Platinum Card

Apply Now

on U.S. Bank's secure site

Rates & Fees

U.S. Bank Visa^® Platinum Card

Introductory APR 0% intro APR for 18 billing cycles on Purchases

Annual Fee $0

Regular Purchase APR 19.49% - 29.49% (Variable)

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 19.49% - 29.49% (variable) APR applies.

Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 19.49% - 29.49% (variable) APR applies.

Sign-up bonus: No bonus

Why we picked this card: The U.S. Bank Visa^® Platinum Card has the second longest APR for new purchases on our list. It’s a great choice if you need a long intro period to pay down a purchase or balance transfer but since it lacks a rewards program, it’s not one that will become your go-to card.

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 19.49% - 29.49%.
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 19.49% - 29.49% (variable) APR applies.

Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 19.49% - 29.49% (variable) APR applies.

Sign-up bonus: No bonus

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

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.49% - 29.49%.
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.

Check out our U.S. Bank Visa^® Platinum Card review.

Best For 0% APR credit card with a high credit limit

Chase Freedom Flex℠

Learn More

Chase Freedom Flex℠

Introductory APR 0% Intro APR on Purchases for 15 months

Annual Fee $0

Regular Purchase APR 19.99% - 28.74% Variable

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.99% - 28.74% variable APR applies.

Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.99% - 28.74% variable APR applies.

Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months

Why we picked this card: You may be able to get a higher credit limit on the Chase Freedom Flex℠, depending on your credit history and background, especially if you already have a banking relationship with Chase. 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.

Earn a $200 bonus after you spend $500 on purchases in the first three months
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 19.99% - 28.74%.
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 19.99% - 28.74% variable APR applies.

Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.99% - 28.74% variable APR applies.

Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months

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

There’s also a generous sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months.

Earn a $200 bonus after you spend $500 on purchases in the first three months
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 19.99% - 28.74%.
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.

Best For 0% APR credit card with no foreign transaction fee

Capital One Quicksilver Cash Rewards Credit Card

Apply Now

on Capital One's secure site

Capital One Quicksilver Cash Rewards Credit Card

Introductory APR 0% intro on purchases for 15 months

Annual Fee $0

Regular Purchase APR 19.74% - 29.74% (Variable)

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.74% - 29.74% (variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.74% - 29.74% (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: It’s rare for a $0 annual fee card to not have a foreign transaction fee, but the Capital One Quicksilver Cash Rewards Credit Card does. With a long intro 0% APR on new purchases and a high cash back rate, it’s a card that should always be with you, at home and abroad.

Pros & cons:

Pros	Cons
Earn flat-rate cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee 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. You 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; 19.74%-29.74% 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 19.74% - 29.74% (variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.74% - 29.74% (variable) APR applies.

Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Pros & cons:

Pros	Cons
Earn flat-rate cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fees: None	There are cards with longer intro offers Charges a balance transfer fee High regular APR

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; 19.74%-29.74% 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

Check out our Capital One Quicksilver Cash Rewards Credit Card review.

Best For 0% APR credit card with a sign-up bonus

Wells Fargo Autograph^℠ Card

Learn More

Wells Fargo Autograph^℠ Card

Introductory APR 0% intro APR for 12 months from account opening on purchases

Annual Fee $0

Regular Purchase APR 19.99%, 24.99%, or 29.99% variable APR

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, a 19.99%, 24.99%, or 29.99% 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 sweetens the deal on a $0-annual-fee credit card and the Wells Fargo Autograph^℠ Card has one of the highest sign-up bonuses. 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 19.99%, 24.99%, or 29.99% 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 all purchases. It’s a card you’ll want to keep long after the intro APR is over since you earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on 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 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. 19.99%, 24.99%, or 29.99% 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 19.99%, 24.99%, or 29.99% 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

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 19.99%, 24.99%, or 29.99% variable APR after purchase introductory period ends

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. 19.99%, 24.99%, or 29.99% 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.

The information related to the Wells Fargo Autograph^℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For 0% APR credit card for cash back

Chase Freedom Unlimited^®

Learn More

Chase Freedom Unlimited^®

Introductory APR 0% Intro APR on Purchases for 15 months

Annual Fee $0

Regular Purchase APR 19.99% - 28.74% Variable

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.99% - 28.74% variable APR applies.

Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.99% - 28.74% variable APR applies.

Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Why we picked this card: The Chase Freedom Unlimited^® card is a great option if you’re looking for a combination of a solid 0% intro APR plus cash back with every purchase. It features a bonus on lucrative rotating categories like dining and drugstores and 1.5% cash back on all 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 a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

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 a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
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 19.99% - 28.74%.
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 19.99% - 28.74% variable APR applies.

Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.99% - 28.74% variable APR applies.

Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

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

You can also earn a sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

INTRO OFFER: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
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 19.99% - 28.74%.
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.

The information related to the Chase Freedom Unlimited^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For 0% APR credit card for large purchases

Wells Fargo Active Cash<sup>®</sup> Card

Wells Fargo Active Cash^® Card

Learn More

Wells Fargo Active Cash^® Card

Introductory APR 0% intro APR for 15 months from account opening

Annual Fee $0

Regular Purchase APR 19.99%, 24.99%, or 29.99% variable APR

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro APR for 15 months from account opening, after which a 19.99%, 24.99%, or 29.99% variable APR applies.

Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.99%, 24.99%, or 29.99% variable APR applies.

Sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Why we picked this card: Thanks to the combination of its rewards and long intro offer, the Wells Fargo Active Cash^® Card is a great option for financing a large purchase or consolidating debt from high-interest credit cards. In addition to the sign-up bonus, you’ll also earn 2% cash back on every purchase — it’s one of the best cash back credit cards available.

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. 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 $500 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% 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 19.99%, 24.99%, or 29.99% variable APR applies.

Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.99%, 24.99%, or 29.99% variable APR applies.

Sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

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

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% 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

The information related to the Wells Fargo Active Cash^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For 0% APR business credit card

Ink Business Cash<sup>®</sup> Credit Card

Ink Business Cash^® Credit Card

Learn More

Ink Business Cash^® Credit Card

Introductory APR 0% Intro APR on Purchases for 12 months

Annual Fee $0

Regular Purchase APR 18.24% to 24.24% variable

Credit Score Needed

720 850

Excellent

Get Your Free Credit Score

Intro purchase APR: 0% Intro APR on Purchases for 12 months, after which an APR of 18.24% to 24.24% 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 Ink Business Cash^® Credit Card from Chase offers one of the longest intro APRs on a business credit card – a full year. In addition there are great benefits for small business owners including a valuable sign-up bonus and cash back on 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 a great option for small businesses looking for a 0% intro APR to help finance a large business expense.

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 18.24% to 24.24% 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

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 a great option for small businesses looking for a 0% intro APR to help finance a large business expense.

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

The information related to the Ink Business Cash^® 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.

Best For 0% APR credit card for home improvement/furnishings

Citi Custom Cash℠ Card

Apply Now

on Citibank's secure site

Citi Custom Cash℠ Card

Introductory APR 0% intro APR for 15 months on purchases

Annual Fee $0

Regular Purchase APR 18.99% - 28.99% (Variable)

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro APR for 15 months on purchases, after which a 18.99% - 28.99% (variable) APR applies.

Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.99% - 28.99% (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: The Citi Custom Cash℠ Card gives you 5% cash back on your highest eligible spend category during each billing cycle — up to a total of $500 spend each month. Home improvement is one of the eligible categories, which makes this a perfect card to use for supplies for fixing up your house.

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 18.99% - 28.99%, 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 18.99% - 28.99% (variable) APR applies.

Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.99% - 28.99% (variable) APR applies.

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

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

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 18.99% - 28.99%, 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.

Check out our Citi Custom Cash℠ Card review.

Best For 0% APR credit card with an instant credit card number

American Express Cash Magnet® Card

Learn More

American Express Cash Magnet® Card

Introductory APR 0% introductory APR for the first 15 months from the date of account opening.

Annual Fee $0

Regular Purchase APR 18.99% to 29.99% variable

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After that, a 18.99% to 29.99% 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 18.99% to 29.99% 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: When an unexpected expense comes up, 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 make your purchase as soon as your credit card account is opened. Plus with the long intro APR you can take your time to pay it off.

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 which is 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 18.99% to 29.99%.
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 18.99% to 29.99% 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.

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

$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 18.99% to 29.99%.
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.

Best For 0% APR credit card for students

Discover it<sup>®</sup> Student Cash Back

Discover it^® Student Cash Back

Apply Now

on Discover's secure site

Rates & Fees

Discover it^® Student Cash Back

Introductory APR 0% Intro APR for 6 months on purchases

Annual Fee $0

Regular Purchase APR 17.99% - 26.99% Variable APR

Credit Score Needed

600 660

Fair/Limited

Get Your Free Credit Score

Intro purchase APR: 0% Intro APR for 6 months on purchases from the date of account opening. After that, a 17.99% - 26.99% Variable APR will apply.

Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.99% - 26.99% 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: It’s rare to find a credit card that offers a 0% APR rate to students with limited credit histories, but the Discover it^® Student Cash Back does. Another feature students will appreciate – a stellar cash back rewards program that matches your cash back at the end of the first year for new cardholders.

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.

The long intro APR means you can spread out payments for larger expenses you may have – school fees, dorm room furnishings and more. Plus the cash back you earn your first year is doubled at the end of the year, giving you a boost of cash to spend as you please.

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 17.99% - 26.99% 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 17.99% - 26.99% Variable APR will apply.

Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.99% - 26.99% Variable APR applies.

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

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 17.99% - 26.99% applies.
Click through to Discover’s website to see terms and conditions.

Check out our Discover it^® Student Cash Back review.

Best For 0% APR credit card for wedding expenses

Capital One SavorOne Cash Rewards Credit Card

Apply Now

on Capital One's secure site

Capital One SavorOne Cash Rewards Credit Card

Introductory APR 0% intro on purchases for 15 months

Annual Fee $0

Regular Purchase APR 19.74% - 29.74% (Variable)

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.74% - 29.74% (variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.74% - 29.74% (variable) APR applies.

Sign-up bonus: Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening

Why we picked this card: The Capital One SavorOne Cash Rewards Credit Card offers unlimited 3% cash back on dining, groceries, entertainment and popular streaming services which makes it great for financing your wedding expenses and earning rewards at the same time. You can also earn earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening and it has a $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, there is no 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 $1,000 on purchases within the first 3 months from account opening.

Earn a one-time $200 cash bonus after you spend $1,000 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; 19.74% - 29.74% 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 19.74% - 29.74% (variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.74% - 29.74% (variable) APR applies.

Sign-up bonus: Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening

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

There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening.

Earn a one-time $200 cash bonus after you spend $1,000 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; 19.74% - 29.74% 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

Check out our Capital One SavorOne Cash Rewards Credit Card review.

Best For 0% APR credit card with a low ongoing APR

PNC Core Visa

Review Coming Soon

PNC Core Visa

Introductory APR 0% introductory APR for the first 15 billing cycles following account opening

Annual Fee $0

Regular Purchase APR 15.74% to 27.74%

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% introductory APR for the first 15 billing cycles following account opening. After that, a 15.74% to 27.74% APR applies.

Intro balance transfer APR: 0% introductory APR for the first 15 billing cycles following account opening on balance transfers, then 15.74% to 27.74% APR applies.

Sign-up bonus: N/A

Why we picked this card: Sometimes you need more time to pay down your purchase or balance transfer and it remains after the intro period is over. The PNC Core® Visa® Credit Card has a low ongoing APR that kicks in after the intro period expires, meaning you’ll pay less in interest than you would on cards that have a higher APR.

Pros & cons:

Pros	Cons
Generous cash back on food and entertainment Long intro APR on balance transfers and purchases $0 annual fee Intro balance transfer 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 15.74% to 27.74% APR applies.

Intro balance transfer APR: 0% introductory APR for the first 15 billing cycles following account opening on balance transfers, then 15.74% to 27.74% APR applies.

Sign-up bonus: N/A

Pros & cons:

Pros	Cons
Generous cash back on food and entertainment Long intro APR on balance transfers and purchases $0 annual fee Intro balance transfer fee	No ongoing rewards Balance transfer fee Foreign transaction fee

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.

Best For 0% APR travel credit card

Capital One VentureOne Rewards Credit Card

Apply Now

on Capital One's secure site

Capital One VentureOne Rewards Credit Card

Introductory APR 0% intro on purchases for 15 months

Annual Fee $0

Regular Purchase APR 19.74% - 29.74% (Variable)

Credit Score Needed

660 720 850

Excellent/Good

Get Your Free Credit Score

Intro purchase APR: 0% intro on purchases for 15 months. After that, a 19.74% - 29.74% (Variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months on balance transfers, then a 19.74% - 29.74% (Variable) APR applies.

Sign-up bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Why we picked this card: With a great combination of long introductory 0% APR and rewards, the Capital One VentureOne Rewards Credit Card could be the card you use to pay for your next vacation. You earn valuable miles at a high flat rate, there’s 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 Simple rewards structure 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 Card is 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 15 months, then 19.74% - 29.74% (Variable).

You’ll also earn higher-than-average rewards on your purchase that can go toward a future trip: You’ll 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. And you earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 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 15 months; 19.74% - 29.74% 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 that, a 19.74% - 29.74% (Variable) APR applies.

Intro balance transfer APR: 0% intro on balance transfers for 15 months on balance transfers, then a 19.74% - 29.74% (Variable) APR applies.

Sign-up bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Pros & cons:

Pros	Cons
Intro APR offer $0 annual fee Sign-up bonus Simple rewards structure 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

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 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 15 months; 19.74% - 29.74% 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

Check out our Capital One VentureOne Rewards Credit Card review.

Compare 0% intro APR credit cards

Credit Cards	Our Ratings	Intro Purchase APR	Regular APR	Welcome Offer
BankAmericard^® credit card Apply Now on Bank Of America's secure site	Winner	0% Intro APR for 21 billing cycles for purchases	15.99% - 25.99% Variable APR	N/A	Apply Now on Bank Of America's secure site
Wells Fargo Reflect^® Card Learn More	21-month 0% intro APR	0% intro APR 21 months from account opening	17.99% - 29.99% variable APR	N/A	Learn More
U.S. Bank Visa^® Platinum Card Apply Now on U.S. Bank's secure site Rates & Fees	18-month 0% intro APR	0% intro APR for 18 billing cycles on Purchases	19.49% - 29.49% (Variable)	No bonus	Apply Now on U.S. Bank's secure site Rates & Fees
Chase Freedom Flex℠ Learn More	High credit limit	0% Intro APR on Purchases for 15 months	19.99% - 28.74% Variable	Earn a $200 bonus after you spend $500 on purchases in the first three months	Learn More
Capital One Quicksilver Cash Rewards Credit Card Apply Now on Capital One's secure site	No foreign transaction fee	0% intro on purchases for 15 months	19.74% - 29.74% (Variable)	One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening	Apply Now on Capital One's secure site
Wells Fargo Autograph^℠ Card Learn More	Sign-up bonus	0% intro APR for 12 months from account opening on purchases	19.99%, 24.99%, or 29.99% variable APR	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value	Learn More
Chase Freedom Unlimited^® Learn More	Cash back	0% Intro APR on Purchases for 15 months	19.99% - 28.74% Variable	Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening	Learn More
Wells Fargo Active Cash^® Card Learn More	Large purchases	0% intro APR for 15 months from account opening	19.99%, 24.99%, or 29.99% variable APR	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months	Learn More
Ink Business Cash^® Credit Card Learn More	Business	0% Intro APR on Purchases for 12 months	18.24% to 24.24% variable	Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening	Learn More
Citi Custom Cash℠ Card Apply Now on Citibank's secure site Rates & Fees	Home improvement	0% intro APR for 15 months on purchases	18.99% - 28.99% (Variable)	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.	Apply Now on Citibank's secure site Rates & Fees
American Express Cash Magnet® Card Learn More	Instant credit card number	0% introductory APR for the first 15 months from the date of account opening.	18.99% to 29.99% variable	$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.	Learn More
Discover it^® Student Cash Back Apply Now on Discover's secure site Rates & Fees	Students	0% Intro APR for 6 months on purchases	17.99% - 26.99% Variable APR	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.	Apply Now on Discover's secure site Rates & Fees
Capital One SavorOne Cash Rewards Credit Card Apply Now on Capital One's secure site	Wedding expenses	0% intro on purchases for 15 months	19.74% - 29.74% (Variable)	Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening	Apply Now on Capital One's secure site
PNC Core® Visa® Credit Card Review Coming Soon	Low ongoing APR	0% introductory APR for the first 15 billing cycles following account opening	15.74% to 27.74%	N/A	Review Coming Soon
Capital One VentureOne Rewards Credit Card Apply Now on Capital One's secure site	Travel	0% intro on purchases for 15 months	19.74% - 29.74% (Variable)	Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel	Apply Now on Capital One's secure site

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 does 0% APR mean?

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: those that offer 0% APR on new purchases and those that offer 0% APR on balance transfers. Some of the cards on our list offer one or the other and some 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.

Credit cards with 0% APR

A 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.

PNC Core® Visa® Credit Card

Up to 12 months

Wells Fargo Autograph^℠ Card

Ink Business Cash^® Credit Card

Up to 6 months

Discover it^® Student Cash Back

The information related to the Chase Slate Edge^℠, Chase Freedom Flex℠, Chase Freedom Unlimited^®, American Express Cash Magnet® Card, PNC Core® Visa® Credit Card and Ink Business Cash^® 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.

Pros and cons of 0% APR credit cards

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
Possibly a way to consolidate credit card debt

You may be charged a balance transfer fee
You may forfeit your 0% APR if you make a late payment
Interest charged on your remaining debt could be significantly high
You may become less motivated to pay off your debt due to the long repayment period

Who should get a 0% APR credit card?

You should only get a 0% APR credit card if you have a payment plan in place and are disciplined enough to follow it. You won’t come out ahead if you get a 0% APR card and then don’t pay it down before the intro rate ends.

A 0% APR card can help you pay down a large purchase or and consolidate debt from a high interest card. It can give you extra breathing room to pay off the purchases at a slower pace without incurring interest.

However, there are risks to cards with a 0% APR, since your issuer will only require you to pay the minimum payment. For instance, if you bought a television for $2,000 on a card with an 18 month intro offer and your minimum payment is only $50, you would still have a considerable amount left to pay after 18 months. In fact, a recent LendingTree study on minimum payments found that it would take 11 years to pay down a $2,000 balance by only making the minimum payment.

Even a low interest rate will add to the cost of your purchase, so to save the most money, do the math yourself and make payments higher than the minimum.

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. 0% intro APR cards tend to have limited rewards, if any, since the main benefit of the card is that you can charge hundreds or thousands of dollars without paying interest for many months.

If you don’t have a large purchase on the horizon or need to do a balance transfer, then you’ll be better off with a rewards credit card that lets you earn cash back or travel points. And if you never carry a balance, a 0% APR is essentially useless since you won’t pay interest on your purchases if you pay them off before the due date.

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 is a tradeoff when it comes to other card benefits. If the rewards program is important to you, then it may be better to choose a card with a shorter APR term than a longer one with no rewards.

Just because a card offers 15 months to pay 0% interest doesn’t mean you have 15 months to make the purchases. There may be a window of time, often 60 to 90 days, in which purchases must be made in order to qualify. Read the fine print of the offer carefully to understand how it works.
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 worth 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.

Popular bonus categories include: Groceries, restaurants, gas

How to use a 0% APR credit card

Have a plan to pay off your balance.

Your intro APR period has an expiration date, so make sure you can budget for the payments before you apply. This can help avoid having a balance at the end of your 0% APR term and then needing to pay 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 can use the entirety of the card’s intro APR period to pay it off. If you open the card too far in advance, you’ll lose one or more of the 0% APR billing cycles.

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 period in addition to a valuable sign-up bonus and rewards rate. Other cards, like the Wells Fargo Reflect^® Card, have a solid intro APR period but no rewards or sign-up bonus.

Consider the card’s regular APR.

Take a look at the card’s regular APR range so you know how much you’ll need to pay if you carry your balance past the intro period. If it’s high and your credit isn’t in the good to excellent range, you might choose a card with a lower ongoing rate.

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.
Check for preapprovals: A preapproved credit card can boost your chances of being approved.
Choose how you’re going to apply: Your options include online, in person at the bank, over the phone or by mail.

You can review our list of seven steps to apply for a credit card for additional information.

Alternatives to 0% interest APR credit cards

Low interest 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, a low interest credit card might be a better fit.

According to LendingTree data, the average credit card interest rate is 23.84%. The credit cards below have APRs that may be 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. Those with good credit usually qualify for a lower APR.

Lake Michigan Credit Union Prime Platinum: 10.00% – 18.00% (variable)
DCU Visa® Platinum Credit Card: 13.25% to 18.00%
PNC Visa® Business Credit Card: 13.74% to 23.74% variable

Personal loans

If you’re making a large purchase or need to pay off high-interest debt, an alternative to credit cards altogether is a personal loan. When you take out a personal loan you receive a lump sum of money and repay it in monthly installments. They come with fixed APRs, which you will know before you agree to the terms and the money is released to you.

Once you make your purchase or pay off your debt, you’ll make your payments to the lender for a predetermined amount of time.

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.

Frequently asked questions

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.

The following criteria were also weighed in the evaluation process:

Whether or not the card charges a balance transfer fee — and if so, how much
Whether or not the card has a sign-up bonus or welcome offer
Other helpful features, such as ongoing rewards programs and benefits like cellphone protection
No annual fee charged

The information related to Chase Freedom Flex℠, Chase Slate Edge^℠, Chase Freedom Unlimited^® and Ink Business Cash^® 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.

For Capital One products listed on this page, some of the above 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.

Kristen Grau

Expertise: Credit cards, credit health, credit scoring
Education: Florida Atlantic University

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.

The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.

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15 Best 0% APR Credit Cards for Long Intro Periods in June 2023

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Best 0% APR Credit Cards for Long Intro Periods — June 2023

Best For Winner (Longest 0% intro APR)

BankAmericard® credit card

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Best For 21-month 0% intro APR

Wells Fargo Reflect® Card

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Best For 18-month 0% intro APR

U.S. Bank Visa® Platinum Card

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Best For 0% APR credit card with a high credit limit

Chase Freedom Flex℠

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Best For 0% APR credit card with no foreign transaction fee

Capital One Quicksilver Cash Rewards Credit Card

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Best For 0% APR credit card with a sign-up bonus

Wells Fargo Autograph℠ Card

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Best For 0% APR credit card for cash back

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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Best For 0% APR credit card for large purchases

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

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Best For 0% APR business credit card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

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Best For 0% APR credit card for home improvement/furnishings

Citi Custom Cash℠ Card

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Best For 0% APR credit card with an instant credit card number

American Express Cash Magnet® Card

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Best For 0% APR credit card for students

Discover it® Student Cash Back

Discover it® Student Cash Back

About the card

BankAmericard^® credit card

BankAmericard^® credit card

BankAmericard^® credit card

BankAmericard^® credit card

Wells Fargo Reflect^® Card

Wells Fargo Reflect^® Card

U.S. Bank Visa^® Platinum Card

U.S. Bank Visa^® Platinum Card

Wells Fargo Autograph^℠ Card

Wells Fargo Autograph^℠ Card

Chase Freedom Unlimited^®

Chase Freedom Unlimited^®

Wells Fargo Active Cash^® Card

Wells Fargo Active Cash^® Card

Ink Business Cash^® Credit Card

Ink Business Cash^® Credit Card

Discover it^® Student Cash Back

Discover it^® Student Cash Back