Best 0% APR Credit Cards

Apply online for the best 0% APR credit card offers: Updated January 2024

3 Cards in Total

A few years ago during the pandemic, attractive 0% credit card offers were few and far between due to economic uncertainty and varied risk assessment difficulties many banks were able to make about the financial health of the US consumer by just pulling their credit score. Now in 2024, we are seeing an influx of very strong 0% APR credit cards with terms of over a year with no interest payments. On top of that, many of these cards have both rewards programs and sign-up bonuses, so people can reward their good credit with many consumer-freidly options.

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Intro Purchase APR

0% for 12 months on Purchases

Intro Transfer APR

0% intro APR for 21 months on Balance Transfer

Regular APR

19.24% - 29.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

Keep things simple and efficient with this card, which has no late fees, no penalty rate and no annual fee. You will also be paying 0% Intro APR for 21 months (from date of first transfer) on balance transfers, and 0% Intro APR for 12 months (from the date you open your account) on purchases. There is a small introductory balance transfer fee of $5 or 3% of the amount of the transfer (whichever is greater), for balance transfers completed within your first 4 months.

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Intro Purchase APR

0% Intro APR on Purchases for 18 months

Intro Transfer APR

0% Intro APR on Balance Transfers for 18 months

Regular APR

20.49% - 29.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

One standout benefit of this card is the potential to raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months. You can also monitor your own credit score with Chase Credit Journey. At the same time, you can lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.

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Intro Purchase APR

0% intro APR for 15 months from account opening

Intro Transfer APR

0% intro APR for 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.