The Capital One Savor Cash Rewards Credit Card offers a long intro APR period for you to take advantage of — and a strong rewards rate and sign-up bonus to make the card even more valuable.
| Credit Cards | Our Ratings | Intro Purchase APR | Regular APR | Rewards Rate | |
|---|---|---|---|---|---|
Capital One Savor Cash Rewards Credit Card
|
Winner
|
0% intro on purchases for 15 months | 19.24% - 29.24% (Variable) | 1% - 8% cash back
| |
U.S. Bank Shield™ Visa® Card*
|
Longest intro APR
|
0% intro APR on purchases for the first 24 billing cycles after card opening | 17.74% - 28.74% variable APR | 4% cash back
| |
Wells Fargo Reflect® Card*
|
21-month 0% apr credit card
|
0% intro APR for 21 months from account opening | 17.24%, 23.74%, or 28.99% Variable APR | N/A | |
BankAmericard® credit card*
|
18-month 0% APR credit card
|
0% Intro APR for 18 billing cycles for purchases | 15.24% - 25.24% Variable APR | N/A | |
Chase Slate Edge℠*
|
18-month 0% APR credit card
|
0% Intro APR on Purchases for 18 months. | 19.74% – 28.49% Variable | N/A | |
Citi Double Cash® Card
 Apply Now
on Citibank's secure site Rates & Fees |
Best for balance transfers
|
N/A | 18.24% - 28.24% (Variable) | 2% - 5% cash back
|
Apply Now
on Citibank's secure site Rates & Fees |
Wells Fargo Active Cash® Card*
|
Best for simple rewards
|
0% intro APR for 12 months from account opening | 19.24%, 24.24%, or 29.24% Variable APR | 2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
| |
Discover it® Miles
Apply Now
on Discover's secure site Rates & Fees |
Best for travel
|
0% Intro APR for 15 months | 18.24% - 27.24% Variable APR | 1.5X Miles
1.5 Miles per dollar on all purchases.
|
Apply Now
on Discover's secure site Rates & Fees |
Ink Business Unlimited® Credit Card
Apply Now
on Chase's secure site Rates & Fees |
Best for business
|
0% Intro APR on Purchases for 12 months | 17.49% - 23.49% Variable | 1.5% cash back
Earn unlimited 1.5% cash back on every purchase made for your business
|
Apply Now
on Chase's secure site Rates & Fees |
|
Capital One Savor Cash Rewards Credit Card
|
Best for dining
|
0% intro on purchases for 15 months | 19.24% - 29.24% (Variable) | 1% - 8% cash back
| |
Blue Cash Preferred® Card from American Express
|
Best for groceries and gas
|
0% on purchases for 12 months | 20.24%-29.24% Variable | 1% - 6% cash back
| |
ESL Visa® Credit Card*
|
Best for low ongoing APR
|
0% Introductory APR for 12 billing cycles | 12.50% - 17.99% Variable | N/A | |
Bank of America® Travel Rewards Credit Card for Students*
|
Best for students
|
0% Intro APR for 15 billing cycles for purchases | 18.24% to 28.24% Variable APR | 1.5X points
Earn unlimited 1.5 points for every $1 you spend on all purchases. |
To bring you the list of the top 0% APR credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
Note that our ratings are a starting point for comparing and choosing the best no-interest credit cards. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to finance with a 0% intro offer and which benefits you value to choose the best card for you.
We calculate the amount saved on interest given the length of the card’s introductory period. We assume a purchase of $6,000 and a monthly payment of $300. We subtract the card’s annual fee and interest paid on any amount remaining after the introductory period expires. We also add in the amount earned on rewards for the average cardholder, including the card’s sign-up bonus, minus the card’s annual fee. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro on purchases for 15 months; then a 19.24% - 29.24% (Variable) APR applies
Estimated savings over two years: $2,384*
The Capital One Savor Cash Rewards Credit Card has a $0 annual fee and over a year long intro APR period on both purchases and balance transfers. This can help you finance a large purchase or pay off a high-interest balance from another credit card.
What makes this card so valuable is — unlike many other cards that tout a long intro APR but come with little other benefits — the Capital One Savor Cash Rewards Credit Card has a valuable rewards rate you can use long after your intro APR period ends: 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR on purchases for the first 24 billing cycles after card opening, then a 17.74% - 28.74% variable APR applies.
Estimated savings over two years: $1,453*
The U.S. Bank Shield™ Visa® Card gives you two full years to pay off your purchase or balance transfer. This is currently the longest intro period we could find, adding up to some serious savings. And unlike other cards with comparable offers, the U.S. Bank Shield™ Visa® Card also earns rewards. You’ll earn 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR for 21 months from account opening , then a 17.24%, 23.74%, or 28.99% Variable APR applies.
Estimated savings over two years: $1,360*
The Wells Fargo Reflect® Card gives you almost two years to pay off your purchase or balance transfer with no interest, potentially saving you hundreds in interest payments. And while it doesn’t come with a rewards program or sign-up bonus, you will get up to $600 of cellphone protection.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR for 18 billing cycles for purchases, then a 15.24% - 25.24% Variable APR applies.
Estimated savings over two years: $1,343*
You can save hundreds on interest payments by paying off your debt during the BankAmericard® credit card‘s long intro APR period. And though this card doesn’t offer a rewards program or a sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.74% – 28.49% Variable APR applies.
Estimated savings over two years: $1,341*
The Chase Slate Edge℠ gives you a year and a half to pay off a large purchase or balance transfer without interest. Plus, you’ll have a chance to lower your ongoing APR by 2% each year if you pay on time and spend at least $1,000 on your card by your next account anniversary. Just know that missing a payment could trigger a penalty APR and late payment fees.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro balance transfer APR: 0% intro APR for 18 months on Balance Transfers, then an 18.24% - 28.24% (Variable) APR applies.
Estimated intro offer savings: $1,162*
The Citi Double Cash® Card is a $0-annual-fee card that is a great choice if you’re looking for a no-frills card to help pay off a balance transfer. It gives you more than a year to pay off your high-interest debt and also offers an intro balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
You can also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This makes it a good choice for a catch-all card for earning rewards — which you’ll earn in the form of flexible Citi ThankYou® points that you can redeem several ways.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR for 12 months from account opening, then a 19.24%, 24.24%, or 29.24% Variable APR applies.
Estimated savings over two years: $2,107*
With the Wells Fargo Active Cash® Card, you’ll get 12 months to pay off a large purchase interest-free. That alone could save you over $1,100, but there’s even more value in the card’s unlimited cash rewards program and welcome offer. You can earn unlimited 2% cash rewards on purchases and can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. This combination of features lands the Wells Fargo Active Cash® Card on our list of the best cash back credit cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro purchase APR: 0% Intro APR for 15 months, then an 18.24% - 27.24% Variable APR applies.
Estimated savings over two years: $2,170*
The Discover it® Miles gives you 15 months to pay off a purchase, and you’ll earn rewards at a high flat rate that you can redeem for cash back or travel statement credits. It also features a fantastic welcome offer, which matches all the rewards earned at the end of the first year for new cardholders. All this can add up to some serious savings in your first two years, especially if you’re looking to finance an upcoming vacation.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro purchase APR: 0% Intro APR on Purchases for 12 months, then a 17.49% - 23.49% Variable APR applies.
Estimated savings over two years: $2,498*
Among 0% APR busines credit cards, the Ink Business Unlimited® Credit Card is our top pick. It comes with a solid intro period and huge rewards, which you can use to help pay off a large business purchase. In addition to earning unlimited cash back on every purchase, you’ll have a chance to earn a hefty sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro on purchases for 15 months, then a 19.24% - 29.24% (Variable) APR applies.
Estimated savings over two years: $2,384*
Ideal for foodies who love to save, the Capital One Savor Cash Rewards Credit Card comes with a long intro APR and one of the highest cash back rates on dining and entertainment. Plus, there’s a valuable sign-up bonus: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Combine all that with a $0 annual fee, and you’ve got one of the best dining credit cards out there.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% on purchases for 12 months, then a 20.24%-29.24% Variable APR applies.
Estimated savings over two years: $2,296*
The Blue Cash Preferred® Card from American Express gives you a year to pay off your purchase or balance transfer, along with rewards that can add up to huge savings over two years — even with the card’s annual fee. You’ll earn a high cash back rate** in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, you’ll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Introductory APR for 12 billing cycles; then a 12.50% - 17.99% Variable APR applies
Estimated savings over two years: $1,207*
If you’re an ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The ongoing 12.50% - 17.99% Variable APR is the lowest we could find among cards with a 0% intro APR on purchases and balance transfers. Additionally, there is $0 in annual and balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR for 15 billing cycles for purchases, followed by an 18.24% to 28.24% Variable APR.
Estimated savings over two years: $2,116*
The Bank of America® Travel Rewards Credit Card for Students is a great option for students looking to finance a large purchase. You’ll get 15 months interest-free — one of the longest intro periods among student credit cards — as well as the opportunity to earn points on every purchase. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, it charges $0 foreign transaction fees, making it a solid choice for a semester abroad.
When searching for the best no-interest credit card, you’ll want to keep your eye on these features:
The length of the intro period for purchases is the most important feature to consider. 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 in the intro period — 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% intro APR period.
Many 0% APR credit cards come with a sign-up bonus and/or rewards program, offering even more value. While redemption options vary by card, you can usually redeem rewards for a statement credit toward your balance. This can help you pay off your purchase or balance transfer before the intro period ends.
If you’re paying interest on an existing credit card balance, you may be more interested in cards with a 0% intro APR on balance transfers. These cards allow you to transfer over your balance and pay no interest during the introductory period. Like the intro 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.
→ Learn more about the best balance transfer credit cards.
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% period is over. If you have a 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 looking at a credit card with an annual fee, consider how much it’ll cut into your overall savings.
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 are offered.
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.
A credit card’s APR (annual percentage rate) is the annual interest rate you’ll pay if you carry a balance. When you see “0% APR”, it means the card offers an introductory APR of 0% for a set period of time — usually six to 21 months. Depending on the card, the intro rate can apply to purchases, balance transfers or both.
A 0% intro APR credit card usually refers to a credit card that offers a zero-interest period over a few months. A low-interest credit card, on the other hand, is one that may not necessarily have a 0% intro APR — but it does offer a relatively low regular APR.
According to a LendingTree analysis, the average regular APR for a new credit card as of May 2025 is 24.28%. Our top low-interest credit card pick is the BECU Visa Credit Card, which has a 0% intro APR for 12 months on purchases; after that, a 13.24% to 24.24% variable APR applies if you’re looking to maintain a low APR in the case that you can’t pay off a balance in full.
A 0% intro APR credit card works like any other card, the only difference being that you aren’t charged interest on your balance during the intro period. However, you’ll still need to pay your bill on time every month — otherwise, you might have to fork over a late payment fee or, even worse, lose your 0% intro rate. Once the intro period ends, your rate jumps to the regular ongoing APR. This rate applies to new purchases, as well as any remaining balance on the card.
In September 2024, the Federal Reserve lowered the prime rate for the first time since early 2022. While this brings some slight relief — and hope for more impactful cuts in the near future — the average credit card interest rate is still the highest it’s been in decades. LendingTree’s chief consumer finance analyst, Matt Schulz, notes that “despite [the] decrease, no one should expect card APRs to fall off a cliff overnight. In fact, it would be wise for consumers to expect credit card interest rates to remain high for the foreseeable future, even if they’re no longer at record levels.”
So if you need to use a credit card to pay for a large purchase or cover emergency expenses, a 0% APR card may be your best option. In fact, a no-frills card with a long 0% intro period — like the Wells Fargo Reflect® Card — could save you over $1,000 in interest payments alone.
If you pay off your balance within the introductory period, you could save well over $1,000 in interest payments with one of our no-interest credit card recommendations. But you could easily double those savings by choosing a 0% intro APR card with a valuable sign-up bonus and ongoing rewards program.
The cards with the best sign-up bonuses and rewards, like the Chase Freedom Unlimited® (see rates & fees), might have shorter no-interest periods, but the cash back rewards can make them much more valuable. If you compare the Chase Freedom Unlimited® to the Wells Fargo Reflect® Card, you can save more with the former even though the latter has a longer intro APR.
| Chase Freedom Unlimited® (see rates & fees) | Wells Fargo Reflect® Card | |||||
|---|---|---|---|---|---|---|
| Sign-up bonus | Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening | N/A | ||||
| Rewards value (first-year) | $597 | $0 | ||||
| Annual fee | $0 | $0 | ||||
| Intro APR | 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months | 0% intro APR for 21 months from account opening and 0% intro APR for 21 months from account opening on qualifying balance transfers | ||||
| Regular APR | 18.99% - 28.49% Variable | 17.24%, 23.74%, or 28.99% Variable APR | ||||
| Total savings over two years* | $2,258 | $1,360 |
If you have a large balance that requires a longer APR period to pay off, then go with the Wells Fargo Reflect® Card. However, if you won’t need the full length of the intro APR period, then going with the Chase Freedom Unlimited® could help you save more in the long run.
You’ll typically need good-to-excellent credit to qualify for a 0% APR credit card. So if your credit score is on the lower end, consider applying for one of the best cards for fair credit or the best credit cards for bad credit. Unfortunately, if your credit score is too low, you may not qualify for a 0% intro APR offer.
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. A card’s rewards, including the sign-up bonus, can add substantially to your overall savings. You may get a better overall value by choosing a rewards card with a shorter APR term than a longer one with no rewards.
Many credit cards with 0% intro APRs also offer sign-up bonuses worth hundreds of dollars, which you can use to help pay off your purchase. For example, the Chase Freedom Unlimited® comes with an Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
While some cards offer a flat rewards rate on all purchases, others offer bonus rewards in certain spending categories, like restaurants, gas and groceries. 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 plan to keep the card after the intro offer expires.
A 0% intro APR offer can be a financial lifeline during emergencies and save you hundreds in interest payments on a large purchase or balance transfer. But if you aren’t careful, you could still end up with credit card debt. The bottom line? You should only get a 0% APR card if you have a payment plan in place and are disciplined enough to follow it. You’ll also want to weigh the following pros and cons before making your decision:
| Alternative | What it is | Consider it if... |
|---|---|---|
| Personal loans | A lump sum of money that you repay in monthly installments over a set period of time | Your credit score is too low to qualify for a 0% APR card, or if you can’t afford to pay off your balance in full before the introductory period ends |
| Balance transfer credit card | A credit card that doesn't charge interest for a specified period of time on debt transferred from another card | You have high-interest debt on another card that you can pay off in full during the introductory period |
| Low-interest credit card | A credit card that has a relatively low APR | You need to carry a balance month to month and won’t be able to pay off a 0% APR card before the introductory period ends |
Most credit cards offer a grace period, a time between when they send you a credit card statement with your balance and when your payment is actually due. If you regularly pay off your balance in full and before the due date, you’ll avoid paying interest altogether.
Even if you’re unable to pay off your balance every month, it’s important to make your payments on time. You’ll avoid paying a higher interest rate (called a penalty APR) that some cards charge when you miss a payment.
The U.S. Bank Shield™ Visa® Card currently offers the longest intro APR among major banks: 0% intro APR on purchases for the first 24 billing cycles after card opening, then a 17.74% - 28.74% variable APR applies.
You generally need a good credit score to excellent credit score to qualify for a 0% APR card. That’s either a minimum 670 FICO Score or 661 VantageScore.
It’s not likely that your current issuer will give you 0% APR, but you may be able to get a lower APR. A LendingTree survey found that 76% of people who ask their issuer to lower their APR get their request granted.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Shield™ Visa® Card, Wells Fargo Reflect® Card, BankAmericard® credit card, Chase Slate Edge℠, Wells Fargo Active Cash® Card, ESL Visa® Credit Card, Bank of America® Travel Rewards Credit Card for Students and BECU Visa Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
