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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 Card With the Longest Introductory 0% APR Period

    This Card Is Right for You If:

    You have good credit, don't care about earning rewards and are looking for one of the longest 0% introductory period possible, especially if you need to finance a big purchase, such as a large appliance.

    The 18-month introductory period for 0% financing is one of the best available right now, for both purchases and balance transfers. Balance transfers must be made within 120 days of qualifying for the introductory rate and are subject to a 5% balance transfer fee.

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

    This Card Is Right for You If:

    You want to take advantage of a 0% introductory offer and only have good (but not great) credit, and you want to earn cash back rewards at the highest flat rate available.

    If you'd like to earn cash back on your spending but don't want to keep track of spending categories, this card is a good option because the 2% cash back rate is one of the highest around. The 9-month introductory period isn't the longest available, but your credit doesn't need to be in the top tiers for you to qualify for this card. Balance transfers are subject to a 3% fee. There is also a 3% foreign-transaction fee on all charges processed outside of the U.S.

    This Card Is Right for You If:

    You want to earn cash back at a flat rate but care more about having a longer 0% introductory APR period.

    A 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. The sign-up bonus is an attractive perk as well.

    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 a 0% introductory APR 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.

    Best 0% Introductory APR Card With Lowest Ongoing Rate

    This Card Is Right for You If:

    You want the lowest ongoing APR after the 0% introductory period ends, and you want to earn travel rewards.

    You can use the travel rewards on any airline or hotel purchase, as well as on a number of other travel-related purchases. You also pay no foreign-transaction fees.

    Best 0% Introductory APR Cards With Rewards in Rotating Categories

    This Card Is Right for You If:

    You want a long introductory period for 0% APR, the opportunity to earn rewards in various categories and want a sign-up bonus.

    The 15-month introductory 0% period is one of the longest available, and you have a chance to earn rewards at a high 5% rate in rotating categories throughout the 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.

    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 0%.

    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.

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