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The 9 Best 0% APR Credit Cards

Credit cards are valuable tools that can provide you with spending flexibility and benefits for spending. In 2021, credit cards accounted for 28% of all payments. However, credit cards are especially popular for households that makeover $150,000, with card usage jumping to 44%.
With that in mind, let’s explore the nine best 0% APR credits on the market today.

‍Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

Capital One

Capital One offers multiple 0% APR credit cards, including the Capital OneSavorOne Cash Rewards Credit Card.

SavorOne Rewards

The Capital One SavorOne Cash Rewards Credit Card offers a 0% intro APR for the first 15 months on purchases and balance transfers after opening a new card. After the intro period, this card charges a 19.99% - 29.99% variable APR.
This card also offers no annual fee as well as 8% cash back on Capital One Entertainment purchases
Read more about the Capital One SavorOne Rewards credit card.

American Express

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

American Express offers multiple credit cards that offer 0% APR intro rates, including the Blue Cash Preferred® Card from American Express, the Blue Cash Everyday® Card from American Express, and the Cash Magnet Card.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express offers a 0% intro APR on purchases and balance transfers for the first12 months after opening an account. After the intro period, this card charges a variable APR, 19.24% to 29.99%.
This card also offers no introductory annual fee for the first year (and then a fee of ninety-five dollars) as well as 6%cash back on select U.S. streaming services. See Rates and Fees.
Read more about the Blue Cash Preferred® Card from American Express.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers a 0% intro APR on purchases and balance transfers for the first 15 months after opening an account. After the intro period, this card charges a variable APR, 19.24% to 29.99%.
Other benefits of this cart include no annual fee as well as 3% cash back at U.S. gas stations and U.S. supermarkets, on up to $6,000 per category per year in purchases (then 1%). See rates and fees. Terms Apply.

Cash Magnet Card

Non-Affiliate Disclosure: All data about the American Express® Cash Magnet Card has been collected independently by Wisepal. American Express® Cash Magnet Card is no longer available through Wisepal.  

The Cash Magnet Card offers a 0% intro APR on purchases and balance transfers for the first 15 months after opening an account. After the intro period, this card charges a variable APR, 19.24% to 29.99%.
Other benefits of the Cash Magnet Card include no annual fee as well as 1.5% unlimited cash back on purchases.

JPMorgan Chase

Chase offers three different 0% APR intro credit cards: Slate Edge, Chase Freedom Unlimited®, and Chase Freedom Flex®.

Slate Edge

One reason that we love the Slate Edge credit card is that it offers a 0% intro APR for the first 18 months after opening an account for both purchases and balance transfers. This is slightly longer than most other providers, which typically offer 0% intro APRs for the first 12 months. However, after the intro period, this card charges a variable APR of 20.49%–29.24%
Other pros of this card include no annual fee and the opportunity to lower your interest rate by 2% per year.

Chase Freedom Unlimited®

We believe that the Chase Freedom Unlimited® Card is a great choice because it offers a 0% intro APR for the first 15 months after opening an account for both purchases and balance transfers. Although this is not as long as the Slate Edge card, it still offers a 0% intro APR for longer than most credit cards. After the intro period, a variable APR of 20.49%–29.24%
Other pros of this card include no annual fee as well as 1.5% cash back on all purchases and 5% cash back on travel booked through Chase Travel Portal.

Chase Freedom Flex®

We like the Chase Freedom Flex® card because it offers a 0% intro APR for the first 15 months after opening an account for both purchases and balance transfers. After the intro period, a variable APR of 20.49%–29.24%. In terms of its opening intro APR and variable APR, this card is identical to the Chase Freedom Unlimited® Card.
Other benefits of the Chase Freedom Flex® card include no annual fee and 5% cash back on up to $1,500 on combined purchases in specific categories each quarter you activate. It also offers 5% cash back on travel booked through Chase Travel Portal.

‍Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.