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Best 0% APR Credit Cards

Whether you're looking for a 0% APR card with a long introductory period or one that offers rewards, our picks are the best of the bunch. Check out these offers from our partners to find the best 0% card for your needs.

    Best 0% Introductory APR Cards With Flat-Rate Cash Back

    This Card Is Right for You If:

    You want to earn cash back at a flat rate, care more about having a longer 0% introductory APR period and want to earn a sign-up bonus without having to spend a lot of money.

    This card's 15-month introductory period is one of the best available, which might make it worth it to earn 1.5% cash back instead of 2% cash back. What's more, you only have to spend $500 to earn a sign-up bonus.

    Best 0% Introductory APR Card With Travel Rewards

    This Card Is Right for You If:

    You want to take advantage of an introductory APR on purchases and earn rewards that go toward travel spending.

    You can redeem your miles earned for statement credit toward travel purchases. Discover also matches all the miles you've earned at the end of your first year.

    This Card Is Right for You If:

    You'd like to earn rewards in various categories and want a low ongoing interest rate after the 0% introductory period expires.

    In addition to offering rotating rewards, Discover will match all the cash back you've earned at the end of your first year. While the introductory 0% period is 14 months, one month shy of the longest period available on a card with rotating rewards categories, you'll benefit from a relatively low ongoing APR of 11.99% - 22.99% Variable.

    Best 0% Introductory APR Card for Students

    This Card Is Right for You If:

    You're a student with limited credit history and want to finance purchases at an introductory APR of 0% for 6 months before the ongoing APR of 12.99% - 21.99% Variable applies.

    In addition to rewards, students are also eligible for a $20 statement credit each year their GPA is 3.0 or higher for up to five years.