All credit cards charge interest if you carry a balance, but some cards offer an introductory period – often 12 to 18 months – with 0% interest on purchases and may extend that offer to balance transfers as well. You’ll pay no interest during the introductory period, after which the regular annual percentage rate applies. These cards can be useful for making large purchases and paying them down over time, consolidating high-interest debt, covering emergencies, or earning rewards on purchases without being subject to interest charges during the introductory period.

U.S. News’ Best Credit Cards With 0% Introductory APRs

    1.  Add to Compare

      On Citi’s Secure Website.

      Best feature: 21-month 0% introductory rate on balance transfers.

      Citi® Diamond Preferred® Card

      U.S. NEWS RATING
      in 0% Introductory APR Credit Cards
      ANNUAL FEE
      $0
      APR
      13.74% – 23.74% (Variable)
      CREDIT NEEDED
      Excellent

      HIGHLIGHTS

      • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.

      • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.

      • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

      • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

      • Get free access to your FICO® score online.

      • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

      • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

      • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

      RATES & FEES

      • Issuer Name

        Citi

      • Credit Needed

        Excellent

      • Annual Fee

        $0

      • APR

        13.74% – 23.74% (Variable)

      • Penalty APR

        Up to 29.99% (Variable)

      • Purchase Intro APR

        0% for 12 months on Purchases

      • Balance Transfer Intro APR

        0% for 21 months on Balance Transfers

      • Balance Transfer Fee

        Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

      • Cash Advance Fee

        5% of each cash advance; $10 minimum

      • Foreign Transaction Fee

        3%

      • SEE ALL CREDIT CARD DETAILS
    2.  Add to Compare

      On American Express’ Secure Website.

      Best feature: Cash back on everyday purchases.

      Blue Cash Everyday® Card from American Express

      U.S. NEWS RATING
      in 0% Introductory APR Credit Cards
      ANNUAL FEE
      $0
      APR
      12.99% – 23.99% Variable
      CREDIT NEEDED
      Good to Excellent

      HIGHLIGHTS

      • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

      • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

      • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

      • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.

      • Don’t wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.

      • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

      • No annual fee.

      • Terms Apply.

      RATES & FEES

      • Issuer Name

        American Express

      • Credit Needed

        Excellent, Good

      • Annual Fee

        $0

      • APR

        12.99% – 23.99% Variable

      • Penalty APR

        29.24% Variable

      • Purchase Intro APR

        0% on purchases for 15 months

      • Balance Transfer Intro APR

        0% on balance transfers for 15 months

      • Balance Transfer Fee

        Either $5 or 3% of the amount of each transfer, whichever is greater.

      • Cash Advance Fee

        Either $10 or 5% of the amount of each cash advance, whichever is greater.

      • Foreign Transaction Fee

        2.7% of each transaction after conversion to US dollars.

      • SEE ALL CREDIT CARD DETAILS
    3.  Add to Compare

      On American Express’ Secure Website.

      Best feature: Cash back rewards.

      American Express Cash Magnet® Card

      U.S. NEWS RATING
      in 0% Introductory APR Credit Cards
      ANNUAL FEE
      $0
      APR
      12.99% – 23.99% Variable
      CREDIT NEEDED
      Good to Excellent

      HIGHLIGHTS

      • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.

      • Unlimited 1.5% Cash Back on your purchases.

      • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.

      • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.

      • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.

      • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.

      • No Annual Fee.

      • Terms Apply.

      RATES & FEES

      • Issuer Name

        American Express

      • Credit Needed

        Excellent/Good

      • Annual Fee

        $0

      • APR

        12.99% – 23.99% Variable

      • Penalty APR

        29.24% Variable

      • Purchase Intro APR

        0% on purchases for 15 months

      • Balance Transfer Intro APR

        0% on balance transfers for 15 months

      • Balance Transfer Fee

        Either $5 or 3% of the amount of each transfer, whichever is greater.

      • Cash Advance Fee

        Either $10 or 5% of the amount of each cash advance, whichever is greater.

      • Foreign Transaction Fee

        2.7% of each transaction after conversion to US dollars.

      • SEE ALL CREDIT CARD DETAILS

Get Matched With a Card that Works for You

Tell us a little about yourself and we’ll match you with the credit cards that work for you.

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  1.  Add to Compare

    On American Express’ Secure Website.

    Best feature: 2% cash back on the first $50,000 spent annually.

    American Express Blue Business Cash™ Card

    U.S. NEWS RATING
    in 0% Introductory APR Credit Cards
    ANNUAL FEE
    No annual fee
    APR
    13.24% – 19.24% Variable
    CREDIT NEEDED
    Good to Excellent

    HIGHLIGHTS

    • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

    • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.

    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

    • No Annual Fee

    • Terms Apply

    RATES & FEES

    • Issuer Name

      American Express

    • Credit Needed

      Excellent/Good

    • Annual Fee

      No annual fee

    • APR

      13.24% – 19.24% Variable

    • Penalty APR

      29.24% Variable

    • Purchase Intro APR

      0% on purchases for 12 months

    • Balance Transfer Fee

      See Terms

    • Foreign Transaction Fee

      2.7% of each transaction after conversion to US dollars.

    • SEE ALL CREDIT CARD DETAILS
  2.  Add to Compare

    The information for the Wells Fargo Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it may be out of date.

    Best feature: Bonus cash back in the first six months.

    Wells Fargo Visa Signature® Card

    U.S. NEWS RATING
    in 0% Introductory APR Credit Cards
    ANNUAL FEE
    $0
    APR
    12.49% to 25.49%, based on your creditworthiness
    CREDIT NEEDED
    Good to Excellent

    HIGHLIGHTS

    • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases – enjoy 5 years to use the points you earn

    • 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)

    • No annual fee

    • Exceptional Visa Signature privileges including insider access to popular events

    • Free access to your FICO Credit Score with Wells Fargo Online

    • Travel Protections

    • Purchase security

    RATES & FEES

    • Issuer Name

      Wells Fargo

    • Credit Needed

      Good/Excellent

    • Annual Fee

      $0

    • APR

      12.49% to 25.49%, based on your creditworthiness

    • Penalty APR

      None

    • Purchase Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Fee

      Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5

    • Cash Advance Fee

      Either $10 or 5% of the amount of each advance, whichever is greater

    • Foreign Transaction Fee

      3% of each transaction converted to U.S. dollars

    • SEE ALL CREDIT CARD DETAILS
  3.  Add to Compare

    The information for the Wells Fargo Rewards® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it may be out of date.

    Best feature: Five points per dollar on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months.

    Wells Fargo Rewards® Card

    U.S. NEWS RATING
    in 0% Introductory APR Credit Cards
    ANNUAL FEE
    $0
    APR
    16.49% to 25.49%, based on your creditworthiness

    HIGHLIGHTS

    • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases – enjoy 5 years to use the points you earn

    • No annual fee

    • Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more

    • Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts , cell phone protection

    • Auto rental collision damage waiver

    • Travel accident insurance

    RATES & FEES

    • Issuer Name

      Wells Fargo

    • Annual Fee

      $0

    • APR

      16.49% to 25.49%, based on your creditworthiness

    • Penalty APR

      None

    • Purchase Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Intro APR

      0% introductory APR for 15 months

    • Balance Transfer Fee

      Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5

    • Cash Advance Fee

      Either $10 or 5% of the amount of each advance, whichever is greater

    • Foreign Transaction Fee

      3% of each transaction converted to U.S. dollars

    • SEE ALL CREDIT CARD DETAILS
Show More Cards

See all of our credit cards here.

Summary of the Best 0% Introductory APR Credit Cards of May 2020

CREDIT CARD

REWARDS RATE

INTRO BONUS

ANNUAL FEE

APR

Citi® Diamond Preferred® Card

N/A

N/A

$0

13.74% – 23.74% (Variable)

Blue Cash Everyday® Card from American Express

3% Cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%)

$150

$0

12.99% – 23.99% Variable

American Express Cash Magnet® Card

1.5% Cash back on every eligible purchase

$150

$0

12.99% – 23.99% Variable

American Express Blue Business Cash™ Card

2% Cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

N/A

No annual fee

13.24% – 19.24% Variable

Wells Fargo Visa Signature® Card

5X Rewards points earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months

N/A

$0

12.49% to 25.49%, based on your creditworthiness

Wells Fargo Rewards® Card

5X Rewards points earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months

N/A

$0

16.49% to 25.49%, based on your creditworthiness

What Can You Expect From 0% APR Credit Cards?

Here’s what you should know about 0% APR credit cards:

Introductory APR: About 13% of cards in this category have a 0% APR offer of 18 months on purchases. A 15-month 0% APR offer is more common.

Balance transfer offers: Nearly three-quarters of the cards surveyed have a balance transfer offer of 15 months or longer.

Annual fee: None of the 0% APR cards surveyed charge an annual fee.

Credit needed: More than half of 0% credit cards require good or excellent credit, but options are available for average, fair, limited or new credit.

Learn about the U.S. News methodology for ranking the best credit cards.

How Can 0% APR Credit Cards Help You Save?

On a 0% APR credit card, your balance doesn’t accrue any interest during the introductory period as long as you make at least the minimum payment. This can offer significant savings if you’re paying off a balance over time.

“You’re essentially getting an interest-free loan to make payments on,” says Richard Kerr, founder of Award Travel 101, a Facebook community where members discuss how to maximize their travel rewards.

For example, Kerr says planned expenses such as medical bills may be a good use for 0% APR cards. Health care providers may offer financing, or you could apply for a personal loan to cover your medical expenses.

But if you have a $2,000 medical loan at 6% interest and take 12 months to pay it off, you’ll pay about $66 in interest. On the other hand, with a card that offers a 0% APR for 12 months, you won’t be charged any interest if you pay it off in the same amount of time.

Zero percent APR cards can help you save on debt consolidation, too. With a balance transfer offer, you can move balances from cards that charge interest onto a new card that temporarily charges a 0% APR.

“A 0% APR card in this scenario can essentially buy you time to get that balance paid off without incurring any additional interest rate charges,” says Alex Miller, founder of UpgradedPoints.com, which helps consumers learn how to make the most of their travel rewards.

If you have $5,000 in debt on a credit card with a 17% APR and pay it off in 12 months, you’ll pay about $456 monthly and about $472 in interest. But if you take advantage of a 12-month 0% APR balance transfer offer and make the same monthly payment, you can pay it off in 11 months with no interest charges.

Should You Use a 0% APR Credit Card for Rewards?

Some 0% APR credit cards earn rewards, which you can use for cash back, points or miles on interest-free purchases. But 0% APR cards may not earn the highest rates on rewards, so it’s a good idea to think of rewards as an added perk and instead focus on the interest savings.

“If you know you can avoid interest rate charges by using a 0% introductory APR card to fund an emergency purchase, then you’re also winning by earning rewards at the same time,” Miller says.

But he warns that you’ll need to pay off your balance within the promotional rate period. Otherwise you could pay more in interest than you get back in rewards.

A card with a 0% introductory APR and a sign-up bonus could help you save on interest while reducing the cost of an expense. To pay for it, you’ll earn the card’s $150 welcome bonus, which applies after you spend $1,000 within the first three months. The purchase will also earn 1% cash back for an additional $10 off, reducing a $1,000 expense to $840. And you’ll have more than a year to pay it off interest free.

How Can You Make the Most of 0% APR Card Offers?

An interest-free credit card, even if the perk is temporary, can be an exciting tool to have at your disposal. But it’s important to use 0% APR cards strategically and responsibly, remembering that the free ride doesn’t last forever and you still have to make payments.

“I’d really only recommend a 0% introductory APR for emergency situations,” Miller says. “This isn’t an excuse to buy that 52-inch flat-screen TV you’ve been eyeing.” He says it’s important to be responsible with 0% APR offers because you run the risk of not being able to pay the balance off within the promotional window.

Make at least minimum payments. It’s essential that you make at least the minimum payment on time during each statement period. If your payment is late, or you make less than the minimum payment, you’ll typically lose your promotional rate, and the credit card issuer will charge interest at the regular APR.

You may have to pay a late fee, and if you’re late by 60 days or more, a penalty APR may apply. It’s a good idea to set up reminders or automatic payments for at least the minimum so your payment will be covered even if you forget.

Understand how payments apply. When you pay more than the minimum required, that money goes toward whatever balance has the highest interest rate first. For example, if you take out a cash advance on your 0% APR card, any amount you pay over the minimum due will typically apply to your cash advance balance first.

While this can be helpful, as it allows you to reduce the interest-bearing balance, it can slow your progress if you’re trying to pay off your full balance before the introductory rate expires. It’s best to avoid making interest-bearing charges when you’re taking advantage of a 0% APR offer so you can pay down the balance as efficiently as possible.

Factor in other costs. Watch out for fees, including annual fees and balance transfer fees. Some 0% APR cards have an annual fee. If you’re taking advantage of a 0% balance transfer APR offer, you still may have to pay a 3% to 5% fee on the amount you’re transferring. While fees are sometimes worth paying if they allow you to save money overall, you should factor in their costs before deciding to take advantage of a 0% APR offer.

Plan ahead. If you know you have a large purchase coming up that you’d like to pay off over time, shop around for 0% APR cards. Kerr says the offers change all the time, so keep looking at what’s available until you find the offer you want or it’s time to make your purchase.

You don’t want to apply too early because the introductory APR usually starts from the day you open your account. Apply too late, and you may not have your card available when you need it. Ideally, you should apply about two to three weeks before you need to make the purchase, as it can take a few business days to be approved and typically about a week and a half to receive your card in the mail, depending on the issuer.

Know when your offer expires. The goal of using a 0% APR card is to pay off your balance before your introductory period expires, so make sure you know exactly when that is. Verify the date with your credit card company so you know when you need to have your balance paid in full and can get the most value out of your interest-free offer.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies.

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