Skip to content
2019

Best 0% APR Credit Cards

Advertiser Disclosure

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

18 Months: U.S. Bank

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Our rating
Credit range Fair
Details
Annual Fee $0
Regular APR 14.24%–25.24% Variable
Apply Now

securely on the issuer's website

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.

  • Purchase and Balance Transfer APR: 0% for 20 billing cycles, then 14.24%–25.24% Variable
  • Perks: Free VantageScore 3.0 credit score from TransUnion, cell phone protection, extended warranty protection, auto rental collision damage waiver, and more
BEST PICK FOR

18 Months: Citi

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 15.24%–25.24% Variable
Apply Now

securely on the issuer's website

If you’re a fan of Citi, the Citi® Diamond Preferred® Card (Review) could be what you’re looking for. There aren’t much in the way of extra benefits from Mastercard, but you will get access to the Citi Concierge (which can help with travel planning and reservations but may sound cooler than it really is).

  • Purchase and Balance Transfer APR: 0% for 18 months, then 15.24%–25.24% Variable
  • Perks: Free FICO Bankcard Score 8 from TransUnion, Citi Easy Deals, purchase protection, extended warranty, and more
BEST PICK FOR

18 Months: Wells Fargo

Wells Fargo Platinum Visa card

Wells Fargo Platinum Visa card

Our rating
Credit range Fair
Details
Annual Fee $0
Regular APR 13.74%-27.24% Variable
Apply Now

securely on the issuer's website

Like the options above, the Wells Fargo Platinum Visa card isn’t too exciting beyond the introductory period. But it does have a fairly comprehensive set of shopping and travel protections.

  • Purchase and Balance Transfer APR: 0% for 18 months, then 13.74%-27.24% Variable
  • Perks: Free FICO Score 9 from Experian, cell phone protection, auto rental collision damage waiver, roadside dispatch, and more
BEST PICK FOR

15 Months, Flat-Rate Rewards: Chase

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 16.74% - 25.49% Variable

The Chase Freedom Unlimited® (Review) offers 1.5% cash back on every purchase. Paired with its lengthy introductory period, that’s a pretty good offer.

The reward rate may not seem mind-blowing, but it’s certainly not bad, at least when it comes to cards without annual fees or airline/hotel co-branding.

  • 1.5% cash back on every purchase
  • $150 cash back for spending $500 in the first 3 months after account opening
    • Return on spend: 30%
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.74% - 25.49% Variable
  • Perks: Shop through Chase, Chase Offers, purchase protection, extended warranty protection, auto rental collision damage waiver, and more
BEST PICK FOR

15 Months, Flat-Rate Rewards: Capital One

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 15.74% - 25.74% (Variable)

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.

  • 1.5% cash back for every purchase
  • $150 bonus for spending $500 in the first 3 months after account opening
    • Return on spend: 30%
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.74% - 25.74% (Variable)
  • Perks: Concierge service, exclusive access to select sporting, culinary, and music events, extended warranty protection, travel accident insurance, and more
  • No foreign transaction fees
BEST PICK FOR

15 Months, Flat-Rate Rewards: Amex

American Express Cash Magnet® Card

American Express Cash Magnet® Card

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 14.49–25.49% Variable
Apply Now

securely on the issuer's website

The American Express Cash Magnet® Card (Review) is like most other flat-rate cards, but it comes with access to valuable Amex Offers (opportunities to earn more cash back or discounts at select retailers) along with a complimentary ShopRunner membership.

  • 1.5% cash back for every purchase
  • $150 bonus cash back for spending $1,000 in the first 3 months
    • Return on spend: 15%
  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.49–25.49% Variable APR
  • Perks: Amex Offers, ShopRunner membership, return protection, roadside assistance, car rental insurance, and more

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

15 Months, Bonus Categories: Chase

Chase Freedom®

Chase Freedom®

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 16.74 - 25.49% Variable

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.

  • 5% cash back on the first $1,500 spent per quarter (then 1%), in rotating categories (see 5% calendar)
  • 1% cash back on all other purchases
  • $150 cash bonus for spending $500 in the first 3 months after account opening
    • Return on spend: 30%
  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.49–25.49% Variable APR
  • Perks: Shop through Chase, Chase Offers, purchase protection, extended warranty protection, trip cancellation/interruption insurance, and more

Interested in the Freedom’s 5% rate, but not crazy about the bonus categories? Check out the Discover it® Cash Back Credit Card (Review), a similar 5% card with different categories and a 0% intro rate for 14 months (then 13.74%–24.74% Variable).

BEST PICK FOR

15 Months, Bonus Categories: Amex

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Our rating
Credit range Good
Details
Annual Fee $0
Regular APR 14.49–25.49% Variable
Apply Now

securely on the issuer's website

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.

  • 3% cash back at U.S. supermarkets (up to $6,000 spent per year, then 1% cash back)
  • 2% cash back at:
    • U.S. gas stations
    • select U.S. department stores
  • 1% cash back for all other purchases
  • $150 cash bonus for spending $1,000 in the first 3 months after account opening
    • Return on spend: 15%
  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.49–25.49% Variable
  • Perks: Amex Offers, ShopRunner membership, purchase protection, extended warranty protection, car rental insurance, and more

American Express is a Credit Card Insider advertiser.

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.

Person holding a card while smiling
INSTANT, ONLINE, IN MINUTES

Find your next credit cards with the benefits you're looking for

Get Started
Pleased person with hands below head