Best 0% Intro APR Credit Cards: 2018

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Many credit cards today offer a 0% introductory APR period for purchases you make. This period can be a different length for every card, like 6 months or 15 months. Over that time you won’t pay any interest on your credit card balance as long as you always make the minimum payments.

After the introductory period is over the interest rate will switch over to the regular purchase APR. Your balance will now be subject to that new interest rate.

You will still need to make minimum payments every month throughout the introductory period. If you don’t, you could lose your 0% rate and be switched to the regular APR. You might even get an even-higher penalty APR. For some cards, using a balance transfer offer may remove your 0% purchase rate. Be sure to check the terms and conditions to learn the details of your particular card’s introductory periods.

This review does not include the best credit cards with 0% APR balance transfer offers. Although many of the cards below offer balance transfer offers, they aren’t necessarily the best options for a transfer. If you’re looking for cards for balance transfers, see our picks for the Best Balance Transfer Credit Cards. They have very long 0% periods and some have no balance transfer fees, making them ideal to help pay off large balances.

Although we usually recommend that you pay your credit card balance in full every billing period, these cards are an exception to that rule. You can use them much like an interest-free loan, which you’ll need to pay off as you go. This can be very useful if you’re planning a large purchase or expect to spend a lot of money in the near future.

However, we do recommend that you keep the balances on your credit cards as low as possible to keep your credit in good shape. And once your 0% introductory period is over, we recommend that you begin paying off you balance in full every billing period. That will let you completely avoid interest and penalty fees, and it will be good for your credit too.

There are several different types of cards, designed for different purposes and lifestyles. We’ll take a look at the best in several categories below.

If you’re interested in getting a 0% APR credit card you should ask yourself: why do you want it, and which one would fit the best into your shopping habits?

Longest 0% Intro APR Period Cards

These cards have the longest 0% introductory periods we’ve been able to find. They offer no rewards for purchases, like points or cash back. But their best feature is the long introductory APR period they offer to help you avoid interest and more credit card debt. They have no annual fees.

Card Intro Period Annual Fee Rewards
Citi Diamond Preferred 21 months None No
Citi Simplicity 21 months None No
HSBC Gold Mastercard 18 months None No

Citi Diamond Preferred

The Citi Diamond Preferred Card (Review) offers a 0% intro purchase APR for 21 months, which is probably the longest you’ll find from a major card issuer. The only other card we’ve found with a similar offer is next on our list.

Although there are no rewards, you can access the Citi Easy Deals marketplace to find discounts at certain retailers. There’s also the Private Pass service you can take advantage of to get special ticket prices and deals. And the Price Rewind feature will help you get the best price for everything you buy with the card.

The main feature of this card is the long intro rate. But the extra benefits could come in pretty handy too, if you take the time to explore them.

Citi Simplicity

The Citi Simplicity Card (Review) is much like the Diamond Preferred above, also offering a very long 0% intro APR at 21 months.

Most of the additional benefits are the same as the Diamond Preferred, including all the perks described above. There are a few differences, however; the Diamond Preferred offers a concierge service, but the Simplicity does not.

The Simplicity card is notable for its lack of fees. There’s no annual fee, no late payment fee, and no penalty APR. Although some credit card companies will waive your first late fee, it’s rare to find a card with no late fees at all. This doesn’t mean you can just pay your bill whenever you want, however. If you don’t pay your bill on time you can lose your 0% intro rate and hurt your credit too.

HSBC Gold Mastercard

The HSBC Gold Mastercard provides a 0% intro purchase APR for 18 months.

Like the other cards in this section, it’s pretty basic. There are no rewards to earn for making purchases.

The extra benefits are pretty simple too, only consisting of shopping and travel protections. These are perks like Price Protection, Purchase Protection, and an Extended Warranty. You’ll also get MasterAssist® for help with pre-trip planning, and Master RoadAssist® if you ever get in trouble while driving.

This card has pretty generous terms, like the Simplicity above. There is no annual fee, no foreign transaction fee, and no penalty APR. You’ll also get one late fee waiver per year.

0% Intro APR Categories

Best 0% Intro APR Cards for General Shopping

These cards have generous intro APR periods, but they also provide a decent reward for every purchase you make. They have no bonus reward categories; instead, they offer the same reward no matter where you shop. That makes them good for all-around spending.

Card Intro Period Annual Fee Rewards
Chase Freedom Unlimited 15 months None
  • 1.5% cash back on all purchases
  • $150 cash back for spending $500 in the first 3 months
  • $25 cash back after adding an authorized user and making a purchase in the first 3 months
Discover it Miles 14 months None
  • 1.5 miles per dollar on all purchases
  • Mile Match: get double miles in your first year of card use
Wells Fargo Cash Wise Visa 12 months None
  • 1.5% cash back on all purchases
  • 1.8% cash back on Android Pay or Apple Pay mobile wallet purchases in the first year
  • $200 cash rewards bonus for spending $1,000 in the first 3 months

Chase Freedom Unlimited

The Chase Freedom Unlimited (Review) is one of the better cards for general spending. It also has quite a long 0% intro APR period of 15 months.

You’ll get:

  • 1.5% cash back for every purchase
  • Signup bonus: get $150 cash back for spending $500 in the first 3 months after account opening
  • Signup bonus: get $25 cash back after adding your first authorized user and making a purchase in the first 3 months

With no reward categories to worry about, you can just use this card to get the same rate for everything you buy. Or, combine this with another reward card with categories to earn even more cash back.

There’s no annual fee to pay for this card. There are also some basic shopping and travel protections. If you have an issue with something you bought or while traveling, look to these benefits for help.

Discover it Miles

The Discover it Miles (Review) has a 0% intro APR period of 14 months, and no annual fee. Although this is a travel credit card, it’s actually very good for general shopping. Here’s why.

You’ll get:

  • 1.5 miles per dollar for every purchase you make (equivalent to 1.5% cash back)
  • Mile Match: get double miles in your first year of card use

So you’ll be earning the equivalent of 1.5% cash back on every purchase. But that’s increased to 3% cash back for your first year, and that might be the best general shopping reward available on any credit card.

This card is pretty unique among travel cards because you can redeem your miles at their full value for statement credits. Most travel cards require you to redeem your rewards for travel-related expenses only. But with the Discover card you can get the full value of 1 cent per mile when you redeem for statement credits.

That means you can use this card for general or travel spending, and redeem the miles to simply lower your account balance. You can use it like any other reward card, without needing to focus on travel.

You’ll also get a variety of valuable benefits from Discover, including access to the Discover Deals marketplace. You’ll find many discounts at retailers, and any rewards you earn there will be doubled in your first year as well.

Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa Card has a 12-month 0% intro APR period for purchases.

It offers a cash back rate like the other cards in this section. But there’s also another bonus category you don’t normally see:

  • 1.5% cash back on every purchase
  • 1.8% cash back on Android Pay™ or Apple Pay® mobile wallet purchases during the first 12 months after account opening
  • Signup bonus: $200 cash rewards bonus for spending $1,000 in the first 3 months

You can get a bit of cash back on every purchase, and if you use Android Pay or Apple Pay you’ll get a tiny boost on top of that. Most cards don’t offer anything extra for mobile wallet purchases.

There are only a few basic extra benefits, and not much other than that. Although it’s very simple, this card still offers a way to earn some cash back on everything you buy, while not dealing with interest for a whole year. And it’s got no annual fee, too.

Best 0% Intro APR Cards for Buying Gas

There are quite a few cards that offer a nice intro APR period along with great rewards when you buy gas. Here are our top three picks.

Card Intro Period Annual Fee Rewards
Blue Cash Preferred 12 months $95
  • 6% cash back at grocery stores
  • 3% cash back at gas stations and department stores
  • $200 cash back for spending $1,000 in the first 3 months
Discover it Chrome 14 months None
  • 2% cash back on gas and groceries
  • Cashback Match: get double the cash back you earn in your first year
BankAmericard Cash Rewards 12 months None
  • 3% cash back on gas
  • 2% cash back at grocery stores and wholesale clubs
  • 20,000 points after making $1,000 in purchases in the first 3 months
Looking for other cards that are great for buying gas? Check out our picks for the Best Gas Credit Cards.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express (Review) offers a 0% intro purchase APR for 12 months. It also has some of the more rewarding cash back bonus categories on the market:

  • 6% cash back at grocery stores, on up to $6,000 in purchases per year
  • 3% cash back at gas stations and select department stores
  • 1% cash back everywhere else
  • Signup bonus: get $200 back for spending $1,000 in the first 3 months after account opening

So you’ll earn a fair amount of cash back at the pump. Plus you’ll get a great deal at grocery stores too, along with a good signup bonus.

You’ll get a standard set of shopping and travel protections with this card. Not only that, cardholders can access the Amex Offers marketplace to find significant discounts at many different retailers.

This card comes with an annual fee of $95, which might be steep if you don’t buy a lot of gas and groceries. But there’s also a less rewarding version of this card for no annual fee: the Blue Cash Everyday® Card from American Express® (Review). This card actually has a longer 0% intro rate at 15 months. Although it only offers 2% cash back for gas.

If you spend more than $2,600 on groceries and $1,300 on gas per year, the Blue Cash Preferred will be more rewarding even after you pay the annual fee. If you spend less than that every year, you’ll get more value from the Blue Cash Everyday.

Discover it Chrome

The Discover it Chrome (Review) has a 0% intro APR period of 14 months. It also offers some decent rewards:

  • 2% cash back on gas and groceries
  • 1% cash back on everything else
  • Cashback Match: get double the cash back you earn in your first year

So you can earn rewards on gas and groceries without paying interest for a year. But since Discover will double all the cash back in your first year, that means you’ll be getting 4% back on those purchases. And that’s a great deal compared to most cards.

Cardholders can also access the Discover Deals marketplace, where discounts can be found at select merchants. With good reward cards like these, you have opportunities to earn rewards in more than just the main bonus categories.

The terms are pretty forgiving too. There’s no annual fee, no penalty APR, and your first late fee will be forgiven.

BankAmericard Cash Rewards

The BankAmericard Cash Rewards Credit Card (Review) has no annual fee. Its 0% intro APR period lasts for 12 months.

And cardholders get some pretty good bonus categories:

  • 3% cash back at gas stations
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on every other purchase
  • Signup bonus: get $150 cash back after making $500 in purchases in the first 90 days after account opening

The 3% and 2% bonus categories are only good for first $2,500 in combined spending each quarter. After you reach that, you’ll earn 1% back in those categories.

A constant 3% cash back is a great deal on a card with no annual fee. Plus you’ll get the other bonus reward categories, and the signup bonus. Cardholders can also access the BankAmeriDeals shopping portal to find discounts with a small selection of retailers.

If you’re approved for this card with a credit limit of $5,000 or above you’ll receive the Visa Signature version of this card. This comes with a useful set of shopping and travel benefits, which can help save you some time and money. If you get a credit limit of less than $5,000 you’ll get a Visa Platinum version of the card. Visa Platinum cards only come with basic protections, which might come in useful but aren’t as valuable.

A similar offer can be found in the Wells Fargo Propel American Express Card. It’s like the BankAmericard, with a 12-month 0% APR period.

It offers:

  • 3 points per dollar at gas stations
  • 2 points per dollar at restaurants
  • 1 point per dollar on every other purchase
  • Signup bonus: get 20,000 points after making $1,000 in purchases in the first 3 months after account opening

Every point can be worth the equivalent of 1 cent. That means you’ll be earning 3% back at gas stations, and the signup bonus is worth up to $200.

If you like the BankAmericard but don’t need a new card for groceries, the Wells Fargo Propel might be a better option for you. But the extra benefits won’t be as good as what a Visa Signature card can offer.

Best 0% Intro APR Cards for Buying Groceries

Pretty much every adult needs to buy groceries. If it’s not you, then it’s someone in your family. The following cards are the best on the market when it comes to earning rewards at grocery stores while providing long 0% intro rates.

Card Annual Fee Intro Period Rewards
Blue Cash Preferred $95 12 months
  • 6% cash back at grocery stores
  • 3% cash back at gas stations and department stores
  • $200 back for spending $1,000 in the first 3 months
Amex EveryDay Preferred $95 12 months
  • 50% point bonus for making 30 or more purchases per billing period
  • 3x points per dollar at U.S. supermarket
  • 2x points per dollar at U.S. gas stations
  • 15,000 bonus points for spending $1,000 in the first 3 months
BankAmericard Cash Rewards None 12 months
  • 3% cash back on gas
  • 2% cash back at grocery stores and wholesale clubs
  • get $150 cash back after making $500 in purchases in the first 90 days

Blue Cash Preferred Card from American Express

Once again, the Blue Cash Preferred Card from American Express (Review) is our top pick. It offers a 0% intro purchase APR for 12 months, along with great rewards:

  • 6% cash back at grocery stores, on up to $6,000 in purchases per year
  • 3% cash back at gas stations and select department stores.
  • 1% cash back everywhere else
  • Signup bonus: get $200 back for spending $1,000 in the first 3 months after account opening

When it comes to buying groceries, no other card gets close to providing this much cash back. Even though there’s a limit to how much you can earn, you can still get $360 in cash back on groceries alone every year. And that doesn’t even count gas stations. So you can earn plenty of cash back to offset the $95 annual fee on this card.

The other benefits you’ll get help justify the annual fee even more. You’ll have access to Amex Offers, a collection of discounts at a wide variety of merchants. And you can check your FICO 8 Credit Score for free whenever you’d like, based on your TransUnion credit report.

If you don’t spend very much on groceries every year you may want to consider the Blue Cash Everyday® Card from American Express® (Review). It has no annual fee, but actually offers a longer 0% APR period of 15 months.

This card provides less cash back:

  • 3% cash back at grocery stores, on up to $6,000 in purchases per year
  • 2% cash back at gas stations and select department stores
  • 1% cash back everywhere else
  • Signup bonus: get $150 back for spending $1,000 in the first 3 months after account opening

You’ll earn less cash back, but won’t have to pay the annual fee. So which card would be better for you?

We’ve calculated that if you spend $2,600 on groceries and $1,300 on gas per year, you’ll earn more with the Blue Cash Preferred even after you pay the annual fee. Otherwise, you’ll earn more cash back with the Blue Cash Everyday.

Amex Everyday Preferred Card

The Amex EveryDay Preferred Card (Review) has a 0% intro APR period of 12 months. It’s pretty unique among credit cards, offering rewards that can potentially scale up.

You’ll get:

  • A 50% point bonus for making 30 or more purchases with your card in a billing period
  • 3x Membership Rewards points per dollar at U.S. supermarkets (up to $6,000 per year in purchases)
  • 2x Membership Rewards points per dollar at U.S. gas stations
  • 1x Membership Rewards point per dollar on all other purchases
  • 15,000 Membership Rewards points for spending $1,000 in the first 3 months

So this card offers the ability to get 50% more points if you use it at least 30 times per billing period. That’s an interesting deal that will reward heavy users of credit cards.

This card provides you with Membership Rewards points instead of cash back. You can use those points in a few different ways, including transferring them to a variety of frequent traveler partners. This is a good way to redeem your rewards because you can potentially get more than 1 cent per point.

You can search through the Amex Offers to find more merchants offering deals and cash back. There are also some basic shopping and travel protections to go along with the points.

If 30 times per billing period sounds like more than you can handle, consider the Amex EveryDay Credit Card (Review). It’s similar, but without the annual fee. It also has a 12-month 0% purchase APR period.

The Amex EveryDay card offers:

  • A 20% point bonus for making 20 or more purchases with your card in a billing period
  • 2x Membership Rewards points per dollar at U.S. supermarkets
  • 1x Membership Rewards point per dollar on all other purchases
  • 10,000 Membership Rewards points for spending $1,000 in the first 3 months

You’ll only get a 20% point bonus with this card, but you only need to make 20 purchases per billing period to get it. This makes it better for people who don’t shop as much, though it still means you’ll need to use the card quite a bit. There is no bonus category for gas with the EveryDay version of the card.

If you find yourself shopping all the time, these cards might be a good way to earn more rewards when you do. And you’ll have a year of zero interest to pay off those purchases.

BankAmericard Cash Rewards Credit Card

The BankAmericard Cash Rewards Credit Card (Review) has no annual fee, and offers a 0% intro purchase APR for 12 months.

It provides:

  • 3% cash back at gas stations
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on every other purchase
  • Signup bonus: get $150 cash back after making $500 in purchases in the first 90 days after account opening

The 3% and 2% cash back rates on this card are only available for the first $2,500 in combined spending each quarter. You’ll get 1% back after that.

So this is a fairly rewarding card at grocery stores, although that isn’t this card’s most rewarding bonus category. But it does give you a year to pay off those purchases at no interest.

You’ll also find a variety of discounts in the BankAmeriDeals shopping portal, many around 10% off. But there aren’t as many merchants here as you’ll find in similar offers from other credit card companies.

This card is available at two tiers: the basic Visa Platinum and the upgraded Visa Signature. If you’re approved with a credit limit of at least $5,000, you’ll get the Visa Signature. Otherwise you’ll get the Visa Platinum. The basic version has some simple shopping and travel protections. But the upgraded Visa Signature also offers shopping discounts, savings on travel expenses, and more.

Best 0% Intro APR Cards with Rotating Categories

There are only a few cards with rotating categories. And only two of them have a 0% intro APR for purchases. These cards both have a great 0% intro APR period, along with 5% cash back categories that switch every three months.

Card Intro Period Annual Fee Rewards
Chase Freedom 15 months None
  • 5% cash back on categories that rotate throughout the year
  • $150 cash back for spending $500 on purchases in the first 3 months
  • $25 cash back for adding an authorized user and making your first purchase in 3 months
Discover it 14 months None
  • 5% cash back on categories that rotate throughout the year
  • Cashback Match: get double the cash back you earn in the first year with your new card

Chase Freedom Card

The Chase Freedom Card (Review) features a 0% intro APR period of 15 months, and has no annual fee.

You’ll get:

  • 5% cash back on different types of purchases throughout the year, up to $1,500 in spending per quarter
  • 1% cash back on all other purchases
  • Signup bonus: $150 cash back for spending $500 on purchases in the first 3 months
  • Signup bonus: $25 cash back for adding an authorized user and making your first purchase in 3 months

The 5% cash back categories are subject to change each year. The category for the first quarter of the year has been released, but Chase has not yet revealed what the remaining categories will be.

Here is the first category for 2018. The other categories are from 2017, and can serve as examples of what you might get.

Quarter 5% Cash Back Category
January – March (2018)
  • Gas Stations
  • Internet/Cable/Phone Services
  • Chase Pay, Android Pay, Apple Pay, Samsung Pay
April – June (2017)
  • Grocery Stores
  • Drug Stores
July – September (2017)
  • Restaurants
  • Movie Theaters
October – December (2017)
  • Walmart
  • Department Stores

So you’ll be able to get 5% cash back on a wide variety of purchases throughout the year. You’ll have to activate your reward category every quarter, unlike cards with set bonus categories.

If earning rewards on these types of purchases seems like an attractive proposition, you can use the 0% intro rate to pay them off over time. This card also comes with a small selection of basic shopping and travel benefits.

Discover it

Your other option is the Discover it Card (Review). You’ll get a 0% intro APR period of 14 months with this card, and no annual fee.

It offers:

  • 5% cash back on different types of purchases throughout the year, up to $1,500 in spending per quarter
  • 1% cash back on all other purchases
  • Cashback Match: get double the cash back you earn in the first year with your new card

So it’s similar to the Chase Freedom above, but it has different bonus categories. And Discover will also double all the cash back you earn in your first year, which makes this a very rewarding offer. That means you’ll be earning 10% cash back in the bonus categories in that first year, and 2% back on every other purchase.

The 2018 calendar for the Discover it is:

Quarter 5% Cash Back Category
January – March
  • Gas Stations
  • Wholesale Clubs
April – June
  • Grocery Stores
July – September
  • Restaurants
October – December
  • Amazon.com
  • Wholesale Clubs

The Discover card also comes with access to the Discover Deals marketplace, where a variety of great discounts can be found at select retailers. There are also some basic shopping and traveling protections, and cardholders have free access to their FICO 8 Credit Score from TransUnion.

Best 0% Intro APR Cards for Travel

Most travel credit cards don’t offer a 0% intro APR period for purchases, but there are a few good ones that do. These are all general-use travel cards, which means they’ll provide their rewards no matter where you shop or what you buy.

Some other cards are meant to be used with certain airlines or hotels, for example, but they don’t usually offer 0% intro APR periods.

Card Annual Fee Intro Period Rewards
Discover it Miles None 14 months
  • 1.5 miles per dollar
  • Mile Match: get double miles in your first year
BankAmericard Travel Rewards None 12 months
  • 1.5 points per dollar for every purchase you make
  • 20,000 bonus points for spending $1,000 in the first 90 days
Capital One VentureOne Rewards None 12 months
  • 1.25 miles per dollar for every purchase
  • 20,000 bonus miles for spending $1,000 in the first 3 months
There’s also a higher-end travel credit card that offers a 12-month 0% intro APR for balance transfers only: the Barclaycard Arrival Plus® World Elite® Mastercard (Review). It has an annual fee of $89, waived the first year, and offers 2 miles for every dollar you spend (equal to 2% cash back). Although meant for traveling, it can also help you pay off credit card debt at no interest.

Discover it Miles

The Discover it Miles Credit Card (Review) features a 0% intro purchase APR for 14 months.

It provides:

  • 1.5 miles per dollar for every purchase you make (equivalent to 1.5% cash back)
  • Mile Match: get double miles in your first year of card use

This is a pretty simple card. But since Discover will match every mile you earn in the first year, you have the potential to earn some nice rewards. That means you’ll be earning 3 miles per dollar in your first year, the equivalent of 3% cash back. That’s a pretty good deal for no annual fee.

When it comes to redeeming your miles the Discover it Miles is unlike many travel cards. Most travel cards provide the best redemption value for travel-related expenses only. Instead, the Discover it Miles provides the same value of 1 cent per mile no matter how you redeem. And you can redeem those miles as a basic statement credit, which is very convenient.

You don’t need to wait until you have some travel expenses to redeem your miles for; you can use this card just like any other reward credit card. That gives you a way to earn the equivalent of 1.5% cash back on any purchase you make, which is not too bad.

The extra benefits are pretty basic. However, you will get a $30 credit for in-flight WiFi every year. And there are no foreign transaction fees, so you can use the card outside the country without an extra charge. But Discover isn’t as widely accepted around the world as some other issuers, like Visa and Mastercard, so you may want to consider having a card from one of them.

BankAmericard Travel Rewards Credit Card

The BankAmericard Travel Rewards Card (Review) provides a 0% intro purchase APR for 12 months.

In addition, you’ll get:

  • 1.5 points per dollar for every purchase you make (equivalent to 1.5% cash back)
  • 20,000 bonus points for spending $1,000 in the first 90 days (equivalent to a $200 statement credit for travel expenses)

So you’ll be earning points at a decent rate with this card, given that there’s no annual fee. However, you’ll need to redeem those points for travel expenses if you want to get the best value of 1 cent per mile for them. If you choose a different redemption method you’ll get a lower rate. Check out the Discover it Miles above for a card with more flexible redemption options.

You’ll get a few valuable benefits with this card if you’re approved at the Visa Signature level. If your credit limit is at least $5,000 you’ll be given a Visa Signature card. If it’s less than that you’ll receive a Visa Platinum card.

Visa Signature cards have upgraded perks, like shopping discounts at select retailers. You’ll also get complimentary services and savings at participating resorts and hotels. These can be valuable for shoppers and travelers, as long as you remember to check them.

Visa Platinum cards come with some simple shopping and travel protections. They include Purchase Protection, Extended Warranties, Auto Rental Collision Damage Waivers, and some others.

The BankAmericard is a good choice for traveling outside the U.S., because it has no foreign transaction fees and it’s a Visa. So you’ll face no extra charges, which are often 3% of the transaction, and you’ll be able to use it everywhere credit cards are accepted.

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card (Review) has a 0% intro rate for purchases for 12 months.

You’ll get:

  • 1.25 miles per dollar for every purchase (equivalent to 1.25% cash back)
  • Signup bonus: earn 20,000 bonus miles for spending $1,000 in the first 3 months (equivalent to up to $200)

So you won’t be earning miles at a very high rate with this card. But if you want it primarily for the intro purchase rate, it might be right for you.

You’ll need to redeem your miles for travel expenses to get the best rate of 1 cent per mile for them. There are some other redemption options, but the value you get from them will vary. You’ll have to wait until you have some travel purchases before you can use your miles. But if you’d rather have a card that provides the full value no matter how you redeem, see the Discover it Miles above.

This card is available at the Visa Signature level, which comes with some good travel and shopping benefits. These include:

  • Travel upgrades and savings at participating hotels, resorts, and spas
  • Shopping discounts with select retailers
  • Complimentary concierge service to call any time for non-emergency assistance
  • Upgraded shopping and travel protections

You can get the Visa Signature version of this card if you’re approved with a credit limit of at least $5,000. Otherwise you’ll receive the Visa Platinum version, which only has a few simple shopping and travel protections.

There are no foreign transaction fees with this card, and it’s a Visa too. That means you can use it when traveling abroad everywhere credit cards are accepted, and without paying an extra fee.

Best 0% Intro APR Cards for Students

Student credit cards are designed for younger people with little to no credit. They are usually very simple, without any special features, but you can still find some good deals like these. These cards have intro APR periods that are shorter than the other cards on this page, but this is typical for student credit cards.

Card Annual Fee Intro Period Rewards
BankAmericard Cash Rewards for Students None 12 months
  • 3% cash back on gas
  • 2% cash back at grocery stores and wholesale clubs
  • $150 cash rewards bonus for spending $500 in the first 90 days
Discover it for Students None 6 months
  • 5% cash back on different types of purchases throughout the year
  • Cashback Match: get double the cash back you earn in the first year
Discover it Chrome for Students None 6 months
  • 1.25 miles per dollar for every purchase
  • 20,000 bonus miles for spending $1,000 in the first 3 months

BankAmericard Cash Rewards Credit Card for Students

The BankAmericard Cash Rewards Credit Card for Students (Review) is more rewarding than most student cards. It also provides a 0% intro APR for 12 months, twice as long as the other student cards on our list.

You’ll earn some nice rewards with this card too:

  • 3% cash back on gas
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • Signup bonus: earn a $150 cash rewards bonus for spending $500 in the first 90 days

The cash back you earn in the bonus categories (gas, grocery stores, wholesale clubs) is limited to the first $2,500 in combined spending each quarter. After you spend that much in those categories, you’ll earn 1% back on those purchases.

So this is a pretty good offer overall. The extra benefits are just shopping and travel protections, but they could be valuable if you get into a jam. You can check your FICO 8 Credit Score for free whenever you’d like, based on your TransUnion credit report. This is a basic feature on many cards today, but it’s good to have for students who are working to build up their credit.

Bank of America customers have an extra incentive to get this card. If you redeem your cash back into a Bank of America checking or savings account, you’ll get a bonus of 10% added to your redemption. That bonus will be increased if you have a larger bank account balance, up to a potential 75%.

Discover it for Students

Cardholders of the Discover it for Students (Review) get a 0% intro APR period of 6 months.

This card is pretty rewarding, offering:

  • 5% cash back on different types of purchases throughout the year, up to $1,500 in spending per quarter
  • 1% cash back on all other purchases
  • Cashback Match: get double the cash back you earn in the first year with your new card
  • Good grades reward: get $20 in cash back every year that your GPA is 3.0 or higher, for 5 years

Like the regular Discover it (Review), this card provides 5% cash back in categories that rotate throughout the year. And new cardholders will have all the rewards they earn in the first year doubled, so this offer gets even better. This means you’ll be earning 10% cash back in those categories, making this an incredible deal for young people who are new to credit cards.

The 5% cash back categories for 2018 are:

Quarter 5% Cash Back Category
January – March
  • Gas Stations
  • Wholesale Clubs
April – June
  • Grocery Stores
July – September
  • Restaurants
October – December
  • Amazon.com
  • Wholesale Clubs

If you make purchases like these fairly often, you’ll be able to get a nice bit of cash back on them with the Discover card. And you can access the Discover Deals marketplace to find more savings at individual merchants, so you won’t be limited to the categories above.

The good grades reward is a nice feature too, an incentive to do better in school. And you can check your FICO 8 Credit Score any time you’d like, for free. It will be based on your TransUnion credit report.

If you don’t like the 5% bonus categories of this card, keep reading to learn about a very similar card with different bonus categories.

Discover it Chrome for Students

Like the card above, the Discover it Chrome for Students (Review) offers a 0% intro APR period of 6 months.

Instead of rotating categories, this card is a bit different:

  • 2% cash back at gas stations and grocery stores, up to $1,000 in combined purchases per quarter
  • 1% cash back on all other purchases
  • Cashback Match: get double the cash back you earn in the first year with your new card
  • Good grades reward: get $20 in cash back every year that your GPA is 3.0 or higher, for 5 years

So this card is focused on gas and grocery spending. Other than that, all the features and terms are identical with the Discover it for Students above.

Your cash back will be doubled in the first year, meaning you’ll earn 4% in that bonus category. This is quite a rewarding offer compared to other cards, especially for students with limited credit. And for no annual fee, your rewards can be all profit as long as you avoid interest and fees by always paying your balance in full.

You’ll get the same extra benefits that come with every Discover card, which are not too bad. But they are fairly basic. You’ll have access to some shopping and travel protections, plus the ability to easily monitor your credit with Discover’s FICO Credit Scorecard.

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