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Best 0% APR Credit Cards

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by Eric Rosenberg | Updated Apr. 19, 2017
We maintain strict editorial integrity in our writing and assessments. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone.

Best 0% APR Credit Cards Overview

Advertiser Disclosure

Whether it's saving money on interest charges by transferring balances or gearing up for a large purchase, 0% APR credit cards offer cardholders some peace of mind. By giving yourself the opportunity to separate out payments into smaller chunks while avoiding interest charges, you can really get your budget under control and continue to be able to afford certain expenses that you may not be able to otherwise. That being said, it's all too easy to fall into the trap of thinking you can suddenly afford more than you actually can, so 0% APR come with the added risk of imagined liquidity. If you're in the market to reduce your interest payments to zero, we've compiled some of the best credit card offers out there to make the process better and possibly even rewarding. Using our credit card evaluation model, we looked at a number of credit card offers that provide 0% APR for different purposes as well as occasionally throw in bonus features like cash back or rewards. See below to get started and stop spending money on interest!

Best 0% APR Credit Card for Balance Transfers

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74% - 24.49% Variable

Best 0% APR Credit Card for Long 0% APR Period

More Details

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Annual Fee

$0

Purchase Intro APR

0% APR for 21 Months

Balance Transfer Intro APR

0% APR for 21 Months

Regular APR

13.99% - 23.99% (Variable)

Best 0% APR Credit Card for Low Interest After Intro Period

More Details

  • Great Offer for U.S. Bank Customers.
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.49%-22.49%*
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account

Annual Fee

$0

Purchase Intro APR

0% APR for 15 billing cycles

Balance Transfer Intro APR

0% APR for 15 billing cycles

Regular APR

10.49% - 22.49% Variable

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing 0% APR credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

Today's Credit Card Offers From Our Partners

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Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
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Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
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