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2020

Best 0% APR Credit Cards

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Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Time to upgrade that tiny TV? Maybe you're ready for a new couch, or planning to replace that old washer/dryer setup. No matter what you're buying, you can take some extra time to pay by using a credit card with a 0% APR period. Make the purchase(s), and you'll pay no interest charges on the balance for the entire length of the 0% period.

Best 0% APR Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

Spotting 0% APR cards is easy, and you have a wealth of options. Look for features like these to help you pay off your next big purchase.

  • A 0% interest rate on purchases for a period of months: A 0% rate allows you to carry a balance without incurring interest, though you’ll still need to make a minimum payment each month. A longer 0% intro offer will give you more time, but remember that carrying a large balance may damage your credit scores.
  • A reasonable annual fee: If you just want to pay off a purchase, there are plenty of no annual fee cards with zero percent rates. If you’re looking for other features you may want a card with an annual fee, though cards with fees tend not to have 0% APRs.
  • Useful rewards: If you’re going to make a large purchase, having a card with rewards along with a 0% APR will put a bit of a dent in the cost.
  • A signup bonus: A good signup bonus can make anything more affordable, with a return on your spending far higher than the 2% or 3% you’ll get from most basic reward programs.
  • Good customer support and payment system: You don’t want issues when making payments, especially when paying off a large credit card debt, so we recommend going with one of the major card issuers (you’ll find cards issued by them below).

Although many of the card offers below also have 0% balance transfer APR offers, we’re focusing on 0% intro purchase APRs for this post. Check out our picks for the best balance transfer cards if you want to pay off an existing balance (rather than new purchases) over time.

Is a 0% APR Card Right for You?
Best 0% APR Credit Cards
Brendan Harkness

By Brendan Harkness

Is a 0% APR Card Right for You?

You may benefit from a zero percent card if you’re planning to make a big purchase, or if you want to carry a balance for some period of time. Why pay extra charges if you don’t have to?

There are two basic types of 0% purchase interest rates (aka promotional rates), but they work the same way:

  • Introductory: 0% introductory APRs are offered to new cardholders, and last for a certain number of months after account opening (we’ll focus on these offers in this post)
  • Current cardholder incentives: 0% rates may occasionally be offered to cardholders to incentivize more spending

Many 0% APR credit cards even offer points or cash back rewards for purchases — giving you both more time to pay and rewards for your spending.

Just take note that, even for a balance at 0% APR, you’ll need to make at least a minimum payment each month. If you don’t pay by the due date, you’ll face late fees and may lose that intro APR offer, and instead be given a high penalty rate (usually 29.99%).

You’ll also want to pay your balance in full by the time the intro APR offer ends. Otherwise, you’ll start accruing interest charges at your card’s normal rate.

To make sure you pay the card off before the intro period ends, we recommend dividing your card balance by the number of months in the 0% period; that will give the monthly payment you should make. Consider dividing by one less than the number of months to pay it off a bit early.

If you can follow these guidelines, you can use a 0% card to safely and easily pay down a balance over time at no interest.

Our Selection Criteria
BEST PICK FOR

20 Months: U.S. Bank

U.S. Bank Visa® Platinum Card

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 14.99%–24.99% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
  • Balance Transfer fee: 3%, $5 minimum

The U.S. Bank Visa® Platinum Card is great for any large expenses, but would certainly be good for paying down a new cell phone over time, with cell phone insurance included as one of its handy shopping protections.

  • Free credit score: Check your VantageScore 3.0 credit score from TransUnion whenever you’d like.
  • Shopping and travel protections: Cell Phone Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Annual fee: $0
  • 0% introductory APR for 20 billing cycles on purchases and balance transfers, then 14.99%–24.99% Variable
  • Savings at various retailers through Visa Discounts
  • Travel and shopping protections
  • Cell Phone Protection
  • Free VantageScore based on your TransUnion credit report
  • No annual fee
BEST PICK FOR

18 Months: Wells Fargo

Wells Fargo Platinum card

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 15.49%-24.99% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% Intro APR for 18 months, then 15.49%-24.99% Variable
  • Balance Transfer fee: 3% for 120 days, then 5%

Like most cards in its class, the Wells Fargo Platinum card (Review) isn’t too exciting beyond the introductory period. But it does have a fairly comprehensive set of shopping and travel protections.

  • Free credit score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
  • Shopping and travel protections: Including Cell Phone Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, and more
  • Annual fee: $0
  • Pay down balances instead of interest with Wells Fargo’s longest intro APR
  • $0 Annual Fee
  • 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 Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select “Apply Now” to learn more about the product features, terms and conditions
BEST PICK FOR

18 Months: HSBC

HSBC Gold Mastercard® Credit Card

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 12.99–20.99% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 18 months, then 12.99–20.99% Variable
  • Balance Transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.

The HSBC Gold Mastercard® Credit Card (Review) delivers a long intro rate, for purchases and balance transfers. Like most 0% cards there are no rewards, and you’ll get a few decent perks like FICO score access and protection benefits.

  • Free credit score: Check your FICO Score whenever you’d like, based on your Equifax credit report.
  • Perks: Mastercard Airport Concierge, Priceless Cities, Priceless Golf
  • Travel protections: MasterRental Coverage and Travel Accident Insurance
  • No foreign transaction fee
  • Annual fee: $0
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% – 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
BEST PICK FOR

Earning Rewards: Chase

Chase Freedom®

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 14.99% - 23.74% Variable
Apply Now

securely on the issuer's website

  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

The Chase Freedom® (Review) delivers 5% cash back in categories that rotate throughout the year, giving you some interest-free time to pay for a variety of different expenses. Consider buying gift cards at eligible retailers to help max out your quarterly spending.

Spending Rewards
  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on the first $1,500 spent per quarter (then 1%), in categories that rotate throughout the year (see calendar below)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening

Chase announces the 5% bonus categories gradually throughout the year. Here are the current and recent 5% cash back bonus categories:

Quarter 2020 Categories 2019 Categories
January – March
  • Gas Stations
  • Streaming Services
  • Internet, Cable, Phone Services
  • Gas Stations
  • Tolls
  • Drugstores
April – June
  • Grocery Stores
  • Streaming Services
  • Fitness Club & Gym Memberships
  • Grocery Stores
  • Home Improvement Stores
July – September
  • Amazon
  • Whole Foods Market
  • Gas Stations
  • Streaming Services
October – December TBA
  • Department Stores
  • PayPal
  • Chase Pay
  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • Shopping and travel protections: Purchase Protection, Extended Warranty, Trip Cancellation/Trip Interruption Insurance, and more
  • Annual fee: $0

Chase Freedom Unlimited®

  • Purchase APR: 0% for 15 months, then 14.99 - 23.74% Variable
  • Balance Transfer APR: 14.99 - 23.74% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 5% cash back on Lyft rides
  • 1.5% cash back on all other purchases
  • $150 bonus for spending $500 in the first 3 months
  • Annual fee: $0
View card details
  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 23.74% Variable
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
BEST PICK FOR

Earning Rewards: American Express

Blue Cash Everyday® Card from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $0
Regular APR 13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Purchase APR: 0% for 15 months, then 13.99–23.99% Variable

Get your weekly shopping done with the Blue Cash Everyday® Card from American Express (Review), and you’ll also get a long intro period to help you pay down any big purchases on the horizon.

Spending Rewards
  • 3% cash back at:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $150 statement credit for spending $1,000 in the first 3 months after account opening
  • Amex Offers: Discounts or extra points at a variety of merchants
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
  • Shopping and travel protections: Car Rental Insurance, Global Assist Hotline
  • Annual fee: $0

American Express Cash Magnet® Card

  • Purchase APR: 0% for 15 months, then 13.99–23.99% Variable APR (Rates & Fees)
  • 1.5% cash back for every purchase
  • $150 cash back for spending $1,000 in the first 3 months
  • Annual fee: $0
View card details

Amex EveryDay® Credit Card

  • Purchase APR: 0% for 15 months, then 13.99–23.99% Variable APR
  • 2X Membership Rewards points per dollar spent:
    • At U.S. supermarkets, on up to $6,000 per year in purchases (then 1X)
    • On eligible travel purchases from Amex Travel
  • 1X Membership Rewards point on all other purchases
  • 20% point bonus: Make 20 or more purchases in a billing period to receive a 20% point bonus on those purchases
  • 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
  • Annual fee: $0
View card details

Blue Cash Preferred® Card from American Express

  • Purchase APR: 0% for 12 months, then 13.99–23.99% Variable
  • 6% cash back:
    • U.S. supermarkets, up to $6,000 per year in purchases (then 1%)
    • Select U.S. streaming subscriptions
  • 3% cash back:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
  • $250 statement credit for spending $1,000 in the first 3 months
  • Annual fee: $95
View card details

Amex EveryDay® Preferred Credit Card

  • Purchase APR: 0% for 12 months,then 13.99%–23.99% Variable
  • 3X Membership Rewards points per dollar spent at U.S. supermarkets; up to $6,000 per year, then 1X
  • 2X Membership Rewards points per dollar spent at:
    • U.S. gas stations
    • American Express Travel
  • 1X Membership Rewards point per dollar spent on all other purchases
  • Earn 50% more points on eligible purchases for making 30 or more purchases in a billing period
  • 15,000 points if you spend $1,000 in the first 3 months
  • Annual fee: $95
View card details
1 4
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Earning Rewards: Capital One

Capital One® Quicksilver® Cash Rewards Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.49% - 25.49% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% 15 months, then 15.49% - 25.49% Variable
  • Balance Transfer fee: 3%

The Capital One® Quicksilver® Cash Rewards Credit Card (Review) is a pretty standard cash back card, although the current intro bonus has a fairly low spending requirement.

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus Offer
  • $150 for spending $500 in the first 3 months after account opening
  • World Elite Concierge: Anywhere you are, 365 days a year and 24 hours a day for personal assistance in dining, entertainment, and travel
  • Capital One CreditWise: The CreditWise service provides free access to one of your VantageScore 3.0 credit scores, based on your TransUnion credit report.
  • Shopping and travel protections: Including Travel Accident Insurance, Extended Warranty, Travel Assistance Services, and more
  • No foreign transaction fee
  • Annual fee: $0

Capital One® SavorOne® Cash Rewards Credit Card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Balance Transfer fee: 3%
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
  • $150 cash back for spending $500 in the first 3 months
  • Annual fee: $0
View card details

Capital One® VentureOne® Rewards Credit Card

  • Purchase and Balance Transfer APR: 0% for 12 months, then 14.49% - 24.49% Variable
  • Balance Transfer fee: $0
  • 1.25X miles per dollar spent on all purchases
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
  • Annual fee: $0
View card details
1 2

The information related to Capital One® Quicksilver® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Earning Rewards: Citi

Citi Rewards+ Card

Our rating
Min. credit level Excellent
Details
Annual Fee $0
Regular APR 13.49% - 23.49% (Variable)
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 15 months, then 13.49% - 23.49% (Variable)
  • Balance Transfer fee: 3% of each balance transfer; $5 minimum

An interesting card with a unique round-up feature, the Citi Rewards+ Card (Review) offers bonus points at supermarkets and gas stations along with its lengthy 0% rate. You’ll also get 10% of your points back each year, for the first 100,000 points redeemed — a small bonus, but it could add up over time.

Spending Rewards
  • 2X ThankYou points per dollar on up to $6,000 in purchases per year at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar on all other purchases
  • Point Round Up: Each purchase rounds up to the nearest 10 points
Introductory Bonus Offer
  • Earn 15,000 bonus points for spending $1,000 in the first 3 months
  • 10% Points Back: For the first 100,000 ThankYou points redeemed per year
  • Free credit score: Check your FICO 8 Bankcard Score whenever you’d like, based on your Equifax credit report.
  • Citi Concierge: Enjoy personal, non-emergency assistance with tasks like booking travel, restaurant, and hotel reservations, securing tickets to your favorite sporting events, and seeking out gifts.
  • Citi Entertainment: Receive special access to tickets for a vast selection of events, like VIP concert packages and dining experiences.
  • Annual fee: $0

Citi® Diamond Preferred® Card

  • Purchase APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer fee: 3%, $5 minimum
  • Annual fee: $0
View card details

Citi Simplicity® Card – No Late Fees Ever

  • Purchase APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
  • Balance Transfer fee: 3%, $5 minimum
  • Annual fee: $0
View card details
1 2
  • The Citi Rewards+SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

BEST PICK FOR

Earning Rewards: Wells Fargo

Wells Fargo Cash Wise Visa® card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99%-25.99% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 15 months, then 13.99%-25.99% Variable
  • Balance Transfer fee: 3% for 120 days, then 5%

The Wells Fargo Cash Wise Visa® card (Review) is a flat-rate cash back card with an intro rate, like many others, but it also offers a little bonus for mobile wallet spending in the first year.

Spending Rewards
  • 1.8% cash back on purchases made in the first 12 months with eligible mobile wallets:
    • Apple Pay
    • Google Pay
    • Samsung Pay
  • 1.5% cash back on every other purchase
Introductory Bonus Offer
  • $150 cash back for spending $500 in the first 3 months
  • Free credit score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
  • Earn More Mall: Find offers to earn more cash back at select retailers in the Wells Fargo Earn More Mall.
  • Shopping and travel protections: Cell Phone Protection, Purchase Security, Extended Warranty, Lost Luggage Reimbursement, and more
  • Annual fee: $0

Wells Fargo Visa Signature® Card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 13.49%–26.49% Variable
  • Balance Transfer fee: 3%, $5 minimum for 120 days then up to 5%, $5 minimum
  • 5X reward points per dollar in the first 6 months, up to $12,500 spent at:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1X reward point per dollar spent on all other purchases
  • Annual fee: $0
View card details

Wells Fargo Rewards Card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 17.49%–26.49% Variable
  • Balance Transfer fee: 3%, $5 minimum
  • 5X reward points per dollar in the first 6 months, up to $12,500 spent at:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1X reward point per dollar spent on all other purchases
  • Annual fee: $0
View card details

Wells Fargo Propel American Express® card

  • Purchase and Balance Transfer APR: 0% for 12 months, then 13.99%-25.99% Variable
  • Balance Transfer fee: 3% for 120 days, then 5%
  • 3X points per dollar for:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases
  • 20,000 bonus points for spending $1,000 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0
View card details
1 3
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • 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 Wells Fargo Cash Wise Visa® card
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms and conditions
BEST PICK FOR

Earning Rewards: Discover

Discover it® Cash Back

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR See Terms
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms

You’ll have a pair of great features with the Discover it® Cash Back (Review): A nice intro rate plus excellent 5% cash back categories, which rotate every three months. You’ll need to activate those categories, and you’re limited to $1,500 in spending per quarter at the 5% rate.

Spending Rewards
  • 5% cash back in categories that rotate every three months (see calendar below), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

The 5% cash back calendar for 2020 is:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Uber, Lyft, Wholesale Clubs
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
  • Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
  • Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
  • Inquiry and new account alerts: Alerts if any new credit inquiries or accounts show up on your Experian credit report
  • No foreign transaction fee
  • Annual fee: $0

Discover it® chrome

  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • 2% cash back on up to $1,000 spent per quarter, then 1%, at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Annual fee: $0
View card details

Discover it® Miles

  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • 1.5X miles per dollar spent on all purchases
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
  • Annual fee: $0
View card details
1 2

The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Business Credit Cards

U.S. Bank Business Platinum

Our rating
Min. credit level Fair
Details
Annual Fee $0*
Regular APR 9.99%-17.99%* Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 20 billing cycles on purchases, then 9.99%-17.99%* Variable
  • Balance Transfer fee: 3%

Many business cards don’t offer 0% rates, and most of those aren’t for longer than a year. But the U.S. Bank Business Platinum breaks the mold by offering an exceptionally long 0% period for purchases (and balance transfers). There’s not much else to it, but if you need some extra time to pay it could be just what you need.

  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services
  • Annual fee: $0*

Ink Business Cash℠ Credit Card

  • Purchase APR: 0% for 12 months, then 14.74% - 20.74% Variable
  • Balance Transfer APR: 14.74% - 20.74% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 5% cash back on Lyft rides (through March 2022)
  • 5% cash back on up to $25,000 in purchases per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 in purchases per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • $500 cash back for spending $3,000 in the first 3 months
  • Annual fee: $0
View card details

The Blue Business® Plus Credit Card from American Express

  • Purchase APR: 0% for 12 months, then 13.24–19.24% Variable (Rates & Fees)
  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all other purchases
  • Annual fee: No annual fee
View card details

American Express Blue Business Cash™ Card

  • Purchase APR: 0% for 12 months, then 13.24–19.24% Variable (Rates & Fees)
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
  • Annual fee: No annual fee
View card details

Ink Business Unlimited℠ Credit Card

  • Purchase APR: 0% for 12 months, then 14.74% - 20.74% Variable
  • Balance Transfer APR: 14.74% - 20.74% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back on all other purchases
  • $500 cash bonus for spending $3,000 on purchases in the first 3 months after account opening
  • Annual fee: $0
View card details

Discover it® Business Card

  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms
  • Balance Transfer fee: See Terms
  • 1.5% cash back on all purchases
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One® Spark® Miles Select for Business

  • Purchase APR: 0% for 9 months, then 14.49% - 22.49% Variable
  • Balance Transfer APR: 14.49% - 22.49% Variable
  • Balance Transfer fee: N/A
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One® Spark® Cash Select for Business

  • Purchase APR: 0% for 9 months, then 14.49% - 22.49% Variable
  • Balance Transfer APR: 14.49% - 22.49% Variable
  • Balance Transfer fee: None
  • 1.5% cash back on all purchases
  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • No foreign transaction fee
  • Annual fee: $0
View card details
1 7
  • 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% – 17.99%*
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

The information related to U.S. Bank Business Platinum has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Students

Bank of America Cash Rewards™ Credit Card for Students

Our rating
Min. credit level Limited Credit History
Details
Annual Fee $0
Regular APR 16.24%–26.24% Variable
Apply Now

securely on the issuer's website

  • Purchase and Balance Transfer APR: 0% for 12 months, then 16.24%–26.24% Variable
  • Balance Transfer fee: 3%, $10 minimum

Most student credit cards aren’t terribly generous (because they’re made for people with limited credit). But the Bank of America Cash Rewards™ Credit Card for Students (Review) has surprisingly good terms, more like your average reward card. Not only will you get a great intro rate, you’ll also get a 3% cash back category of your choice and some 2% categories as well.

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1%
Introductory Bonus Offer
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Bank of America Preferred Rewards: Eligible bank account holders get a 25%–75% bonus on rewards earned, depending on how much money is held in BofA and Merrill Lynch bank accounts.
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Visa Platinum or Signature benefits: Depending on creditworthiness
  • Annual fee: $0

Bank of America Travel Rewards® Credit Card for Students

  • Purchase APR: 0% for 12 months, then 17.24%–25.24% Variable
  • Balance Transfer APR: 17.24%–25.24% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
  • 25,000 bonus points when you spend $1,000 in the first 3 months
  • Annual fee: $0
View card details

Citi Rewards+ Student Card

  • Purchase APR: 0% for 7 months, then 14.49% - 24.49% (Variable)
  • Balance Transfer APR: 14.49% - 24.49% (Variable)
  • Balance Transfer fee: 3% of each balance transfer; $5 minimum
  • 2X ThankYou points per dollar on up to $6,000 in purchases per year (then 1X), at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar on all other purchases
  • Point Round Up: Each purchase rounds up to the nearest 10 points
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • Annual fee: $0
View card details

Discover it® Student Cash Back

  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance transfer APR: See Terms for See Terms, then See Terms
  • Balance transfer fee: See Terms
  • 5% cash back in rotating categories, up to $1,500 spent per quarter, then 1% (activation required)
  • 1% cash back for every other purchase
  • Cashback Match: Double all cash back rewards earned in the first year
  • No foreign transaction fee
  • Annual fee: $0
View card details

Discover it® Student chrome

  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance transfer APR: See Terms for See Terms, then See Terms
  • Balance transfer fee: See Terms
  • 2% cash back, up to $1,000 spent per quarter, at:
    • Gas stations
    • Restaurants
  • 1% cash back for every other purchase
  • Cashback Match: Double all cash back rewards earned in the first year
  • No foreign transaction fee
  • Annual fee: $0
View card details

Wells Fargo Cash Back College Card

  • Purchase and balance transfer APR: 0% for 6 months, then 12.15%–22.15% Variable
  • Balance transfer fee: 3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Annual fee: $0
View card details
1 5
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 16.24%–26.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • No annual fee

What’s the Best Credit Card With 0% APR?

When you’re talking about 0% APR credit cards, you typically want the longest interest-free period you can get. Here are the cards with the longest intro periods:

How Do 0% APR Credit Cards Work?

If you carry a credit card balance from month to month, you’ll usually accrue interest (based on your credit card’s APR).

But if you have a 0% APR on that balance, no interest will accrue.

That means you can pay down the balance over time, month by month, without seeing it grow from interest charges. This is a great way to pay off large purchases because you get some extra breathing room, but without being charged extra.

Just be sure to make at least the minimum payment due each month — otherwise you could lose your 0% rate, and will likely get hit with late fees.

What Happens When the 0% APR Period Ends?

It’s simple. When your credit card’s 0% purchase APR period is over, any purchases you make will begin accruing interest at the regular APR, which is usually pretty high — but only if you carry the balance from month to month.

Even if you don’t have a 0% APR, you still don’t need to pay interest for your purchases. That’s because most credit cards have what’s called a grace period. This means if you always pay your statement balance in full by the due date, interest won’t accrue on purchases.

So, when the 0% rate runs out, pay your statement balance in full and on time each month. This will prevent your purchases from accruing interest, and it can also help boost your credit scores if you’re keeping your credit utilization low.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the American Express Cash Magnet® Card, please click here.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Capital One® Quicksilver® Cash Rewards Credit Card, Discover it® Cash Back, U.S. Bank Business Platinum, Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card, Capital One® SavorOne® Cash Rewards Credit Card, Capital One® VentureOne® Rewards Credit Card, Citi Simplicity® Card - No Late Fees Ever, Discover it® chrome, Discover it® Miles, The Blue Business® Plus Credit Card from American Express, American Express Blue Business Cash™ Card, Discover it® Business Card, Capital One® Spark® Miles Select for Business, Capital One® Spark® Cash Select for Business, Citi Rewards+ Student Card, Discover it® Student Cash Back, and Discover it® Student chrome have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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