Best 0% APR Credit Cards of 2025
Discover our best selection of 0% APR Credit Cards
Key Takeaways
- A 0% APR credit card is a credit card that offers a promotional period during which no interest is charged on purchases, balance transfers, or both.
- This means you can carry a balance without accruing interest, making it a great tool for financing big purchases or paying down debt.
- After the promotional period ends, the standard APR applies to any remaining balance.
1Financially’s Picks
Cards |
APR |
Best Feature |
1Financially’s Score |
![]() Discover it® Cash Back |
18.24% – 27.24% Variable |
Cash back on everyday purchases. |
4.5 |
![]() Wells Fargo |
17.24%, 23.74%, or 28.99% |
Lengthy low introductory APR. |
4.5 |
![]() Blue Cash Everyday® Card from American Express |
18.24% – 29.24% Variable |
Cash back on everyday purchases. |
4.6 |
![]() Bank of America® Customized Cash Rewards credit card |
18.74% – 28.74% Variable |
Grocery and gas spending. |
4.3 |
![]() Chase Freedom Unlimited® |
19.49% – 28.24% Variable |
Very flexible cash back rewards. |
4.3 |
Best 0% APR Credit Cards
Discover it® Cash Back

Intro Offer
- Unlimited Cashback Match for all new cardmembers-only from Discover.
- Earn 5% cash back on everyday purchases at different places you shop each quarter + unlimited 1% cash back on all other purchases.
- 0% intro APR for 15 months on purchases.
APR: 18.24% – 27.24% Variable
Credit Score Needed: Excellent or Good, 670-850.
Pros
- Redeem Rewards for cash at any time.
- No Foreign Transaction Fee.
- $0 Annual Fee
Cons
- Fees: 3% intro balance transfer and up to 5% fee on future balance transfers.
- 18.24% to 27.24% Standard Variable Purchase APR applies after 15 months.
Features
- Earn Cash back on everyday purchases in different categories such as grocery stores, restaurants and gas stations, up to the quarterly maximum when you activate.
Why it’s 1financially’s pick ?
Take advantage of a 0% introductory APR for 15 months on purchases and balance transfers to save on interest. After the introductory period, a variable APR of 18.24% to 27.24% applies. Additionally, Discover will match all the cash back you earn at the end of your first year.
Chase Freedom Unlimited®

Intro Offer
- 0% Intro APR for 15 months from account opening on purchases and balance transfers.
- 1.5% cash back on things you buy with up to $20,000 spent in the first year and then, 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, and unlimited 1.5% cash back on all other purchases.
- 6.5% cash back on travel purchased through Chase Travel℠.
APR: 19.49% – 28.24% Variable
Credit Score Needed: Excellent or Good, 670-850
Pros
- No minimum to redeem for cash back.
- No annual fee.
- Flexible cash back rewards.
Cons
- Fee : 3% of each transaction in U.S. dollars for Foreign Transaction.
- Up to 29.99% APR Penalty.
Features
- Flexible cash back rewards.
- All Pros Below.
Why it’s 1financially’s pick ?
This card makes earning cash back simple with multiple bonus categories and provides a 0% introductory APR on purchases and balance transfers for 15 months. After that, a variable APR of 19.49% to 28.24% applies.
Wells Fargo

Intro Offer
- 21 months 0% intro APR from account opening on purchases and qualifying balance transfers.
- 17.24%, 23.74%, or 28.99% Variable APR balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- Up to $600 of cell phone protection against damage or theft.
APR: 17.24%, 23.74%, or 28.99%
Credit Score Needed: Excellent or Good, 670-850
Pros
- Best 0% introductory APR credit cards ( 21 months)
- No annual fee.
- 5% Balance Transfer Fee with minimum of $5.
- Flexible cash back rewards.
Cons
- Fee : 3% of each transaction in U.S. dollars for Foreign Transaction.
- Up to 29.99% APR Penalty.
Features
- Flexible cash back rewards.
- All Pros Below.
Why it’s 1financially’s pick ?
The Wells Fargo Reflect card offers a 0% intro APR for 21 months from account opening, followed by a variable APR of 17.24%, 23.74%, or 28.99%. It has no annual fee, and balance transfers can be made at the promotional APR within 120 days, with a 5% fee (minimum $5).
Bank of America® Customized Cash Rewards credit card

Intro Offer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases.
- 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% – 28.74% Variable APR
- 25%-75% more cash back on every purchase if you’re a Bank of America Preferred Rewards® member.
APR: 18.74% – 28.74% Variable.
Credit Score Needed: Excellent or Good, 670-850
Pros
- 0% introductory APR credit cards for 15 billing cycles for purchases.
- No annual fee.
- 5% Balance Transfer Fee with minimum of $5.
Cons
- Fee : 3% of each transaction in U.S. dollars for Foreign Transaction.
- Up to 29.99% APR Variable Penalty.
Features
- Flexible cash back rewards.
- All Pros Below.
Why it’s 1financially’s pick ?
Earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs (on up to $2,500 in combined purchases per quarter), and 1% on all other purchases. Get a $200 online cash rewards bonus after spending $1,000 in the first 90 days. Preferred Rewards clients can enjoy 25% to 75% more cash back on every purchase.
Blue Cash Everyday® Card from American Express

Intro Offer
- $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months.
- 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets, retails, and gas stations on up to $6,000 per year in purchases and then 1%.
APR: 18.24% – 29.24% APR Variable.
Credit Score Needed: Excellent or Good, 670-850
Pros
- 0% introductory APR credit cards for 15 months.
- No annual fee.
- 1% – 3% rewards rate.
- Flexible cash back rewards.
- Cash back on everyday purchases.
Cons
- Fee : 2.7% of each transaction in U.S. dollars for Foreign Transaction.
- Up to 29.99% APR Variable Penalty.
Features
- Flexible cash back rewards.
- All Pros Below.
Why it’s 1financially’s pick ?
This card provides 3% cash back on up to $6,000 spent annually at U.S. supermarkets, then 1% thereafter. Enjoy 0% introductory APR on balance transfers and purchases for 15 months, followed by a variable APR of 18.24% to 29.24%. Plus, earn up to $200 back as a statement credit after spending $2,000 within the first six months.
How does a 0% APR promotional period work?
The promotional period begins when you open your credit card account and typically lasts from 6 to 21 months, depending on the card.
During this time, no interest is charged on qualifying balances. If you carry a balance beyond the promotional period, the standard APR will apply to the remaining amount.
What types of purchases qualify for the 0% APR offer?
The purchases that qualify for the 0% APR offer depend on the specific card.
Most cards include general purchases made within the promotional period, but some also include balance transfers.
Can I transfer a balance from another credit card?
Many 0% APR credit cards allow balance transfers, making them a great option for consolidating and paying down debt.
However, balance transfers usually come with a fee, typically ranging from 3% to 5% of the amount transferred.
Check if the 0% APR offer applies to balance transfers and calculate whether the transfer fee is worth the savings.
Are there any fees associated with 0% APR credit cards?
While you may save on interest, some 0% APR credit cards charge annual fees, balance transfer fees, or late payment fees.
What happens after the promotional period ends?
Once the promotional period ends, the card’s standard APR will apply to any remaining balance.
This rate can vary depending on the card and your creditworthiness. Pay off your balance before the promotional period expires to avoid high-interest charges.
Will applying for a 0% APR card impact my credit score?
Yes, applying for a credit card results in a hard inquiry on your credit report, which may temporarily lower your credit score by a few points.
But, responsibly using the card can help improve your score over time by building a positive payment history and reducing your credit utilization ratio.
What credit score do I need to qualify for a 0% APR credit card?
Most 0% APR credit cards require good to excellent credit, typically a FICO score of 670 or higher.
However, some issuers may offer cards with promotional APRs to individuals with fair credit.
Can I use a 0% APR credit card for cash advances?
No, the 0% APR offer generally does not apply to cash advances. Cash advances often have high fees and interest rates that start accruing immediately, making them an expensive option.
How do I maximize the benefits of a 0% APR credit card?
To make the most of a 0% APR credit card, use it strategically for large purchases or debt consolidation.
Pay off the balance before the promotional period ends to avoid interest charges.
Also, avoid making unnecessary purchases or missing payments, as this can nullify the 0% APR offer.
Are 0% APR credit cards worth it for everyday spending?
Yes, if you can pay off your balance in full before the promotional period ends.
Otherwise, the standard APR will apply, and the interest charges could outweigh the benefits of the 0% APR period.
What happens if I miss a payment during the promotional period?
Missing a payment during the promotional period can result in losing the 0% APR offer.
Additionally, you may incur late fees and damage your credit score. Pay at least the minimum amount due on time to maintain the promotional benefits.
How can I find the best 0% APR credit card for my needs?
Compare credit cards based on the length of the 0% APR period, the APR after the promotional period, fees, rewards, and additional perks on 1financially
Consider your financial goals and spending habits to choose a card that aligns with your needs.
Can I have multiple 0% APR credit cards?
If course, you can hold multiple 0% APR credit cards if you qualify. However, applying for multiple cards in a short period can lower your credit score and raise concerns with lenders.
What is the difference between 0% APR on purchases and balance transfers?
0% APR on purchases applies to new purchases made with the card during the promotional period. 0% APR on balance transfers applies to debt you move from another credit card.
Some cards offer both, while others may specialize in one or the other.
Is a 0% APR credit card a good option for emergencies?
A 0% APR credit card can be a good option for emergencies if you don’t have other savings or low-interest options.
It allows you to cover unexpected expenses without incurring interest, provided you repay the balance within the promotional period.
Can I still earn rewards with a 0% APR credit card?
Many 0% APR credit cards also offer rewards such as cash back, points, or miles on your spending.
You should focus on repaying your balance during the promotional period rather than overspending to earn rewards.
Are 0% APR credit cards better than personal loans?
It depends on your needs. 0% APR credit cards are great for short-term financing or consolidating smaller debts, while personal loans may be better for larger amounts or longer repayment periods. Consider factors like interest rates, fees, and repayment terms.
What should I watch out for with 0% APR credit cards?
Watch out for high fees, such as balance transfer fees or annual fees, and the standard APR after the promotional period.
Also, be aware that missed payments can nullify the promotional offer. Always read the terms and conditions carefully.
Do all purchases qualify for the 0% APR offer?
Not always. Some cards may exclude certain types of transactions, like cash advances, from the 0% APR offer.
Can I extend the 0% APR promotional period?
No, the promotional period cannot be extended. Once it ends, the standard APR will apply to any remaining balance.
Plan your repayment strategy accordingly to take full advantage of the offer.
Are there any downsides to 0% APR credit cards?
The primary downside is the risk of accruing high-interest charges if you don’t pay off your balance before the promotional period ends.
Additionally, fees, missed payments, or overspending can diminish the benefits.
How do balance transfer fees affect the cost of using a 0% APR credit card?
Balance transfer fees typically range from 3% to 5% of the transferred amount.
While this adds to the overall cost, it can still save money compared to paying high-interest rates on another card.
Can I use a 0% APR credit card to build my credit?
Yes, responsibly using a 0% APR credit card can help you build or improve your credit.
Make payments on time and keep your balance low relative to your credit limit to demonstrate good credit behavior.
What is deferred interest, and is it the same as 0% APR?
No, deferred interest and 0% APR are not the same. Deferred interest means interest is calculated from the purchase date but only charged if you don’t pay the balance in full by the promotional period’s end.
With 0% APR, no interest accrues during the promotional period.
What’s the difference between a 0% APR credit card and a low-interest credit card?
A 0% APR credit card offers no interest during a promotional period, while a low-interest credit card offers a consistently low APR.
Choose a 0% APR card for short-term needs and a low-interest card for longer-term financing.
How can I avoid paying interest after the promotional period?
Pay off your entire balance before the promotional period ends.
Set up a repayment plan and stick to it to avoid accruing interest charges.
What should I do if I can’t pay off my balance before the promotional period ends?
If you can’t pay off your balance before the promotional period ends, consider transferring it to another 0% APR card if possible.
Be aware of transfer fees and ensure the new card’s terms align with your repayment goals.
Can I use a 0% APR credit card internationally?
Yes, but check whether the card charges foreign transaction fees, as these can add up quickly.
Look for a card with no foreign transaction fees if you plan to use it abroad.
How can I ensure I don’t overspend with a 0% APR credit card?
Create a budget and stick to it. Treat the 0% APR offer as an opportunity to save on interest, not as a license to spend freely.
Are 0% APR credit cards available for business use?
Yes, many issuers offer 0% APR business credit cards.
These can be useful for managing cash flow, financing expenses, or consolidating business debt.
What’s the best way to apply for a 0% APR credit card?
Start by researching and comparing offers online. Choose a card that aligns with your needs and financial situation.
Is there a limit to how much I can spend during the 0% APR period?
Your spending limit is determined by your credit limit, which is set by the card issuer.
Exceeding this limit can result in penalties and damage your credit score.
Can I close a 0% APR credit card after the promotional period ends?
Of course, but closing a credit card can impact your credit score by reducing your available credit and potentially shortening your credit history.
Keep the card open if it has no annual fee and can benefit your credit profile.
Do I need to pay the minimum balance during the promotional period?
Yes, you must pay at least the minimum amount due each month during the promotional period.
When you miss a payment, it will result in losing the 0% APR offer and incurring fees.
How do I know if a 0% APR credit card is right for me?
A 0% APR credit card is a good option if you plan to finance a large purchase, consolidate debt, or need short-term financing without interest.
You should evaluate your financial goals, repayment ability, and the card’s terms to decide if it’s a good fit.