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RATING
2021

Best 0% APR Credit Cards of August 2021

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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.

How We Picked These Cards Is a 0% APR Card Right for You?

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 Chase Freedom Flex℠, U.S. Bank Business Platinum, American Express Cash Magnet® Card, Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card, The Blue Business® Plus Credit Card from American Express, American Express Blue Business Cash™ Card, Capital One SavorOne Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card, and Capital One Spark Miles Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

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?

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.

Best Pick For...

20 Months: Longest Intro Period

U.S. Bank Visa® Platinum Card

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  • Min. credit levelGood
  • Annual Fee$0*
  • Regular APR14.49% - 24.49%* Variable

Rates & Fees

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
  • Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
0% APR Offer
  • Purchase APR: 0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable
  • Balance Transfer APR: 0% for 20 billing cycles on balance transfers*, then 14.49% - 24.49%* Variable
  • Balance Transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater

The U.S. Bank Visa® Platinum Card (Review) is great for any large expenses. There’s not much else to say about it, aside from its balance transfer potential.

It’s best used to pay down one or more big purchases. While you’re at it, you can take advantage of a few handy shopping and traveling benefits, like extended warranty protection, but there aren’t any other major perks.

Key Features
18 Months: No Annual Fee

Citi® Diamond Preferred® Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.74% - 23.74% (Variable)
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi®Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Why We Picked It
  • Purchase APR: 0% for 18 months, then 13.74% - 23.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 13.74% - 23.74% (Variable)
  • Balance Transfer fee: 3%, $5 minimum

Once again, the main feature here is the long intro rate for purchases. But, like most cards here, it’s also great for balance transfers.

You could even use it for both, if you’d like. Since the rates are the same, it won’t be hard to keep track of each balance.

Key Features
  • Citi Concierge: Call 1-800-508-8930 anytime to speak with a personal assistant, who can help with non-emergency tasks like finding tickets or making reservations.
  • Citi Entertainment: Access tickets to a wide variety of events, like concerts and sporting events, occasionally including presales and exclusive experiences.
  • Free FICO Score: Check your FICO Bankcard Score 8, based on your Equifax credit report, for free.

Citi is a Credit Card Insider advertiser.

18 Months: No Late Fees

Citi Simplicity® Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.74% - 24.74% (Variable)
  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Why We Picked It
  • 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

Yup, the Citi Simplicity® Card (Review) is simple. If you don’t need much other than a long intro rate, the Simplicity provides, and you’ll never have to worry about late fees or a penalty APR if you slip up and miss a payment. But try not to do that, because it can hurt your credit.

Key Features
  • Citi Concierge: Call 1-800-508-8930 anytime to speak with a personal assistant, who can help with non-emergency tasks like finding tickets or making reservations.
  • Citi Entertainment: Access tickets to a wide variety of events, like concerts and sporting events, occasionally including presales and exclusive experiences.
  • Free FICO Score: Check your FICO Bankcard Score 8, based on your Equifax credit report, for free.

Citi is a Credit Card Insider advertiser.

18 Months: Cell Phone Protection

Wells Fargo Platinum card

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR16.49%-24.49% Variable
0% APR Offer
  • Purchase APR: 0% for 18 months from account opening, then 16.49%-24.49% Variable
  • Balance Transfer APR: 0% for 18 months on qualifying balance transfers, then 16.49%-24.49% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5

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

Key Features
  • 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
18 Months: No Foreign Transaction Fee

HSBC Gold Mastercard® Credit Card

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  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR12.99–20.99% Variable
  • 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
0% APR Offer
  • Purchase APR: 0% for 18 months, then 12.99–20.99% Variable
  • 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. But a nice feature of this card is the lack of foreign transaction fees, giving you a good payment option for overseas travel.

Key Features
  • 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
Earning Rewards: Chase

Chase Freedom Flex℠

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.99% - 23.74% Variable
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
0% APR Offer
  • 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 Flex℠ (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.

Rewards
Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months

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

Quarter 2020 Categories 2021 Categories
January – March
  • Gas Stations
  • Streaming Services
  • Internet, Cable, Phone Services
  • Wholesale Clubs
  • Internet
  • Cable/Phone Services
  • Select Streaming Services
April – June
  • Grocery Stores
  • Streaming Services
  • Fitness Club & Gym Memberships
  • Gas Stations
  • Home Improvement Stores
July – September
  • Amazon
  • Whole Foods Market
  • TBA
October – December
  • Walmart
  • PayPal
  • TBA
Key Features
  • 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
Runners Up3

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
  • Annual fee: $0
Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
View card details

Ink Business Unlimited® Credit Card

  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Annual fee: $0
Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
View card details

Chase Slate Edge℠

  • $100 statement credit for spending $500 in the first 6 months of account opening
  • Raise your credit limit: Spend $500 and pay on time in the first six months, and you’ll be automatically considered for a credit limit increase.
  • Lower interest rate by 2% each year: Spend $1,000 and pay on time in an account anniversary year, and you’ll be automatically considered for a 2% APR reduction (down to a certain rate).
  • Purchase APR: 0% for 12 months, then 14.99%–23.74% Variable
  • Balance Transfer APR: 0% for 12 months, then 14.99%–23.74% Variable
  • Balance Transfer fee: 3%, $5 minimum
  • Annual fee: $0
View card details

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Earning Rewards: American Express

Blue Cash Everyday® Card from American Express

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99% - 23.99% Variable

Rates & Fees

  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 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% Cash 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.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
0% APR Offer
  • 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.

Rewards
Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $150 back; $100 back for spending $2,000 in the first 6 months (earned as a statement credit)
Key Features
  • Amex Offers: Earn extra cash back 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
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Runners Up6

American Express Cash Magnet® Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • $150 cash back for spending $1,000 in the first 3 months
View card details

Amex EveryDay® Credit Card

  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable APR
  • Annual fee: $0
Spending Rewards
  • 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 per dollar spent on all other purchases
  • Earn 20% more points: Make 20 or more purchases in a billing period to receive a 20% point bonus on those purchases
Introductory Bonus
  • 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
View card details

Blue Cash Preferred® Card from American Express

Spending Rewards
  • 6% cash back:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
    • Select U.S. streaming services
  • 3% cash back:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $200 back; $150 back for spending $3,000 in the first 6 months (earned as a statement credit)
  • Perks: Amex Offers; $120 Equinox+ credit ($10 per month); ShopRunner membership
  • Shopping and travel protections: Return Protection, Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 introductory annual fee for the first year, then $95

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Preferred® Card from American Express (Rates & Fees)

View card details

Amex EveryDay® Preferred Credit Card

  • Purchase APR: 0% for 12 months,then 13.99%–23.99% Variable
  • Annual fee: $95
Spending Rewards
  • 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
Introductory Bonus
  • 15,000 points if you spend $1,000 in the first 3 months
View card details

The Blue Business® Plus Credit Card from American Express

Spending Rewards
  • 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
Introductory Bonus
  • 15,000 bonus points for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Point transfer; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

The Blue Business® Plus Credit Card from American Express (Rates & Fees)

View card details

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
Introductory Bonus
  • $250 statement credit for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Lowest Hotel Rates Guarantee; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

American Express Blue Business Cash™ Card (Rates & Fees)

View card details

American Express is a Credit Card Insider advertiser.

Earning Rewards: Capital One

Capital One Quicksilver Cash Rewards Credit Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable
  • 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
  • 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 for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
0% APR Offer
  • Purchase APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Balance Transfer APR: 15.49% - 25.49% Variable
  • Balance Transfer fee: $0 at this Transfer APR

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

Rewards
Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Key Features
  • Mastercard Concierge (Mastercard World Elite only): Anywhere you are, 365 days a year and 24 hours a day, call for personal assistance in dining, entertainment, and travel.
  • Capital One CreditWise: CreditWise provides free access to one of your VantageScore 3.0 credit scores, based on your TransUnion credit report.
  • Shopping and travel protections: Cell Phone Protection, Price Protection, Extended Warranty, MasterRental Coverage, Master RoadAssist Service
  • Purchase APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Runners Up3

Capital One SavorOne Cash Rewards Credit Card

  • Purchase APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Balance Transfer APR: 15.49% - 25.49% Variable
  • Balance Transfer fee: $0 at this Transfer APR
  • Annual fee: $0
Spending Rewards
  • 8% cash back on tickets at Vivid Seats (through January 2023)
  • 3% cash back for:
    • Dining
    • Grocery stores
    • Streaming Services
    • Entertainment
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash bonus for spending $500 in the first 3 months
View card details

Capital One VentureOne Rewards Credit Card

  • Purchase APR: 0% for 12 months, then 15.49% - 25.49% Variable
  • Balance Transfer APR: 15.49% - 25.49% Variable
  • Balance Transfer fee: $0 at this Transfer APR
  • Annual fee: $0
Spending Rewards
  • 1.25X miles per dollar spent on all purchases
Introductory 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
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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 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
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
View card details
Earning Rewards: Citi

Citi Custom Cash℠ Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99%–23.99% Variable
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% – 23.99%, 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.
0% APR Offer
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum

An interesting card with flexible rewards, the Citi Custom Cash℠ Card (Review) offers 5% cash back on your most frequent expenses along with its lengthy 0% rate.

Rewards
Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months
Key Features
  • Free FICO credit score: Check your FICO Bankcard Score 8 online or in the app, anytime.
  • Citi Entertainment: Provides access to music, sports, and culinary events
  • Mastercard ID Theft Protection: Get ID theft monitoring and alerts if any suspicious activity is found.
  • Contactless payments: Tap to pay at eligible terminals.
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum
  • Annual fee: $0
Runner Up1

Citi Rewards+® Card

Spending Rewards
  • 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
Introductory Bonus
  • Earn 15,000 bonus points for spending $1,000 in the first 3 months
  • Perks: 10% Points Back; Free credit score; Citi Concierge; Citi Entertainment
  • Purchase APR: 0% for 15 months, then 13.49% - 23.49% (Variable)
  • Balance Transfer APR: 0% for 15 months, then 13.49% - 23.49% (Variable)
  • Balance Transfer fee: 3% of each balance transfer; $5 minimum
  • Annual fee: $0
View card details

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Earning Rewards: Wells Fargo

Wells Fargo Cash Wise Visa® card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.49%-24.99% Variable
  • Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $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 Cash Wise Visa® card
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Select “Apply Now” to learn more about the product features, terms and conditions
0% APR Offer
  • Purchase APR: 0% for 15 months from account opening, then 14.49%-24.99% Variable
  • Balance Transfer APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.49%-24.99% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5

The Wells Fargo Cash Wise Visa® card (Learn More) (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.

Rewards
Spending Rewards
  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
Introductory Bonus
  • $150 cash back for spending $500 in the first 3 months
Key Features
  • 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
Runners Up3

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
  • Annual fee: $0
Spending Rewards
  • Earn 5X points for every $1 spent on gas, grocery, and drugstore purchases for the first 6 months
  • Earn 1X point for every $1 spent on all other purchases
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
  • Annual fee: $0
Spending Rewards
  • 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
View card details

Wells Fargo Propel American Express® card

  • Purchase and Balance Transfer APR: 0% for 12 months from account opening, then 14.49%-24.99% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 3 months
View card details
Earning Rewards: Discover

Discover it® Cash Back

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APRSee Terms
Intro APR Offer
  • 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

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.

Rewards
Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

Discover’s 5% cash back calendar for 2021 is:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Wholesale Clubs, Select Streaming Services
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
Key Features
  • 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
Runners Up3

Discover it® chrome

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

Discover it® Miles

  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • Annual fee: $0
Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
View card details
Business Credit Cards: Long Intro Period

U.S. Bank Business Platinum

Our rating:
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  • Min. credit levelFair
  • Annual Fee$0*
  • Regular APR9.99%-17.99%* Variable
  • 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
0% APR Offer
  • Purchase APR: 0% for 15 billing cycles on purchases, then 9.99%-17.99%* Variable
  • Balance Transfer APR: 0% for 15 billing cycles on balance transfers*, 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.

Key Features
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services

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.

Business Credit Cards: Earning Rewards

Ink Business Cash® Credit Card

Our rating:
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  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.24% - 19.24% Variable
  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • 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
0% APR Offer
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater

If you’re paying for internet and phone services each month, the Ink Business Cash® Credit Card (Review) can provide a significant 5% cash back on all that spending. Couple that with the same great rate for office supplies, along with the intro APR, and you’ve got a seriously useful card.

Rewards
Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
Key Features
  • Shop through Chase/Chase Offers: Earn more cash back by shopping at participating retailers with the Shop through Chase and Chase Offers marketplaces.
  • Luxury Hotel and Resort Collection: Daily breakfast for two, free WiFi, room upgrades, early check-in, late checkout, and more at eligible hotels
  • Visa Signature Business benefits: Purchase Protection, Cell Phone Protection, Primary Auto Rental Coverage, Roadside Dispatch, and more
Runners Up5

Ink Business Unlimited® Credit Card

  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Annual fee: $0
Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
View card details

The Blue Business® Plus Credit Card from American Express

Spending Rewards
  • 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
Introductory Bonus
  • 15,000 bonus points for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Point transfer; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

The Blue Business® Plus Credit Card from American Express (Rates & Fees)

View card details

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
Introductory Bonus
  • $250 statement credit for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Lowest Hotel Rates Guarantee; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

American Express Blue Business Cash™ Card (Rates & Fees)

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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 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
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
View card details
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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR13.99%–23.99% Variable
  • $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 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99%–23.99% 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
0% APR Offer
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% 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 Customized 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.

Rewards
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 purchases
  • 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
  • Eligible Bank of America members can get a 25%–75% bonus on rewards
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
Key Features
  • 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
Runners Up4

Bank of America Travel Rewards® Credit Card for Students

  • Purchase APR: 0% for 12 months, then 14.99%–22.99% Variable
  • Balance Transfer APR: 14.99%–22.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0
Spending Rewards
  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 25,000 bonus points when you spend $1,000 in the first 3 months
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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back rewards earned in the first year
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
  • No foreign transaction fee
  • Annual fee: $0
Spending Rewards
  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back rewards earned in the first year
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
  • Annual fee: $0
Spending Rewards
  • 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
  • Bonus cash back at participating merchants in the Earn More Mall
View card details

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.

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