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A 0% APR credit card can help you save money when you need to carry a balance on your purchases. Insider reviewed dozens of the best credit cards with introductory 0% APR offers to come up with 10 best-in-class products.
EXTRA-LONG 0% INTRO APR OFFER ON PURCHASES AND BALANCE TRANSFERS
Wells Fargo Reflect® Card
3.5/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
EXTRA-LONG 0% INTRO APR OFFER ON PURCHASES AND BALANCE TRANSFERS
Wells Fargo Reflect® Card
3.5/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
EXTRA-LONG 0% INTRO APR OFFER ON PURCHASES AND BALANCE TRANSFERS
Insider’s Take
If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.
Details
Rewards
N/A
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.24%, 24.74%, 29.99% variable
Intro Annual Percentage Rate (APR)
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days
Editor's Rating
3.5/5
3.5 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Extra-long intro APR on purchases and qualifying balance transfers
No annual fee
Cell phone protection
Cons
No rewards
Foreign transaction fees
Highlights
More Information
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
$0 Annual Fee
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select "Apply Now" to learn more about the product features, terms and conditions
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.
Details
Rewards
Earn unlimited 2% cash rewards on purchases.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24%, 25.24%, or 29.99% variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Editor's Rating
4.3/5
4.3 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Good welcome bonus for a $0 annual fee card
Straightforward 2% cash rewards on purchases with no categories to track
Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
Foreign transaction fees
Highlights
More Information
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select "Apply Now" to learn more about the product features, terms and conditions
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Details
Rewards
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Annual Fee
$0
Intro offer
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.35/5
4.35 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Solid flat cash-back rate
You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
No annual fee
Cons
Some other cards offer a higher rate of cash back on certain types of purchases
Highlights
More Information
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR and maximum cash back, if you work for it
Chase Freedom Flex℠
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Intro APR and maximum cash back, if you work for it
Chase Freedom Flex℠
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Intro APR and maximum cash back, if you work for it
Insider’s Take
The Chase Freedom Flex℠ is a great pick if you want one of the best no-annual-fee cards with big earning potential and impressive benefits. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.
Details
Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% cash back on travel purchased through Chase Ultimate Rewards®. Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
$200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
Generous bonus cash-back categories
Great welcome bonus
Cons
Booking through Chase Ultimate Rewards portal can restrict outside earning potential
Varying percentages and rotating calendar categories require extra attention
3% foreign transaction fees
Highlights
More Information
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Introductory APR and bonus cash back at U.S. supermarkets
Blue Cash Everyday® Card from American Express
3.5/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Introductory APR and bonus cash back at U.S. supermarkets
Blue Cash Everyday® Card from American Express
3.5/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Introductory APR and bonus cash back at U.S. supermarkets
Insider’s Take
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Details
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% - 29.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months from account opening
Editor's Rating
3.5/5
3.5 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Good bonus cash-back rate at US supermarkets
No annual fee
Cons
If you spend more than $6,000 at US supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap
Highlights
More Information
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Intro APR and bonus cash back on hotels and rental cars booked through Capital One Travel
Capital One Quicksilver Cash Rewards Credit Card
4.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Intro APR and bonus cash back on hotels and rental cars booked through Capital One Travel
Capital One Quicksilver Cash Rewards Credit Card
4.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Intro APR and bonus cash back on hotels and rental cars booked through Capital One Travel
Insider’s Take
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Details
Rewards
Earn unlimited 1.5% cash back on all purchases.
Annual Fee
$0
Intro offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.99% - 29.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Editor's Rating
4.1/5
4.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Earns 1.5% cash back on every purchase
Intro APR on purchases and balance transfers
No annual fee and no foreign transaction fees
Cons
Other cards earn more cash back
Highlights
More Information
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash back after you spend $500 on purchases within three months from account opening
$200 cash back after you spend $500 on purchases within three months from account opening
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
$200 cash back after you spend $500 on purchases within three months from account opening
$200 cash back after you spend $500 on purchases within three months from account opening
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.
Details
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 cash back after you spend $500 on purchases within three months from account opening
$200 cash back after you spend $500 on purchases within three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.99% - 29.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Editor's Rating
4.15/5
4.15 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
Bonus cash back on dining, entertainment, and grocery store purchases
Long intro APR period for purchases and balance transfers
Cons
Other cards earn more cash back in certain bonus categories
Not the highest sign-up bonus among cash-back cards
Highlights
More Information
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Details
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
17.24% - 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases and balance transfers
Editor's Rating
3.8/5
3.8 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
From July 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets on up to $1,500 in purchases after enrollment, then 1%
Discover will match your cash back earned at the end of your first account year
No annual fee
Cons
Cap on how much bonus cash back you can earn each quarter
If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
Highlights
More Information
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover's website to see terms and conditions.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.
Details
Rewards
N/A
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% - 29.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 18 months from account opening
Editor's Rating
2.75/5
2.75 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Introductory APR on purchases and balance transfers for the first 18 months
No annual fee
Potential for automatic consideration for credit limit increases and purchase APR reductions
Cons
Card doesn’t earn rewards beyond the welcome bonus
Other cards have longer intro APR offers
Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
Highlights
More Information
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends.
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Credit cards with 0% interest work by allowing you to carry a balance for a specified period of time without paying interest, as long as you make at least the minimum payment each month. These cards come with a 0% APR on purchases, balance transfers, or both. As long as you pay off the entire balance before the introductory period ends, you won't pay interest on your balance.
Should I pay off a 0% interest credit card?
Yes, you need to pay off your 0% interest credit card eventually, because the intro offer doesn't last forever. During the introductory period with zero interest, you should make at least the minimum payment on the card (if not more), otherwise, you may lose your intro 0% APR. You should have a plan to pay off your entire balance before the intro period ends to avoid interest on your remaining balance.
How do I get a card with 0% interest?
You can get a 0% interest card by applying online. You can also check with your bank in person to see if it offers any intro 0% APR cards that appeal to you. Keep in mind most cards with intro APR offers require you to have at least a good credit score, which means a FICO score of 670 or higher.
Does a 0% APR credit card hurt your credit?
Just using a 0% interest credit card won't hurt your credit. In fact, if the intro APR offer can help you pay down your debt before the intro period ends, it could actually help your credit score by reducing your amount owed. Make sure to only spend what you can afford to pay off to avoid incurring more debt and high interest fees.
0% APR Credit Card Reviews
Wells Fargo Reflect® Card
Introductory APR offer: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 18.24%, 24.74%, 29.99% variable APR
Annual fee: $0
If you're looking for an ultra-long no-interest period on purchases, the Wells Fargo Reflect® Card fits the bill. It's got an outstanding intro APR offer, good for 21 months.
The downside is that the card doesn't earn rewards for spending, so if that's important to you, you might be better off with a card that offers a slightly shorter zero-interest period that does earn rewards. Beyond the intro APR offer, the card comes with a modest array of benefits, including cell phone protection and roadside dispatch.
Introductory APR offer: 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 20.24%, 25.24%, or 29.99% variable APR
Annual fee: $0
If you're looking for a card with a solid welcome bonus offer and strong Wells Fargo Rewards earning on all purchases, the Wells Fargo Active Cash® Card is an excellent choice. New cardholders earn $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.
The card's intro APR offer is generous, and you'll have access to a number of good benefits, including cell phone protection. Just be aware this card charges foreign transaction fees, so it's not a good pick for travels overseas.
Introductory APR offer: 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 20.49% - 29.24% Variable
Annual fee: $0
The Chase Freedom Unlimited® starts new customers off with 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back).
They can also earn 5% back on travel booked through the Chase Ultimate Rewards® portal, 3% back on dining and drugstores, and 1.5% back on all other purchases.
When you consider the card's intro APR offer, it's easy to see why it's best for consumers who want to earn rewards on a big purchase and pay down their balance without any interest over time.
Introductory APR offer: 0% intro APR on balance transfers and purchases for 15 months, followed by a 19.24% - 29.24% Variable APR
Annual fee: $0
The Citi Custom Cash℠ Card is a great choice if your spending habits tend to change from month to month. It offers a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. In addition, cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Introductory APR offer: 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 20.49% - 29.24% Variable APR.
Annual fee: $0
The Chase Freedom Flex℠ offers a bonus of $200 cash bonus (received as 20,000 bonus points) after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
It also earns 5% back on up to $1,500 spent in rotating bonus categories like Amazon and streaming services when you activate each quarter (then 1%) and on travel purchased through the Chase travel portal. It also offers 3% back on dining and drugstore purchases, and 1% back on all other purchases. From July 1 to September 30, 2023, the Chase Freedom 5x categories are gas stations, EV charging, and select live entertainment.
This card is a great option for anyone who wants to avoid interest payments for a limited time while earning rewards on their purchases. Keep in mind that with the Chase Freedom Flex℠ and Chase Freedom Unlimited, if you pair your card with an annual-fee Chase card that earns Chase Ultimate Rewards points — like the Chase Sapphire Preferred Card — your rewards become more flexible, as you have the option to transfer points to Chase's airline and hotel partners in addition to redeeming for cash back.
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 19.24% - 29.99% Variable APR
Annual fee: $0
The Amex Blue Cash Everyday Card offers a welcome bonus of a $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.
You can also earn 3% back on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), 3% back at U.S. gas stations on up to $6,000 spent in purchases and at U.S. supermarkets each calendar year (then 1%), 3% back on online retail purchases on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), and 1% back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), followed by a 19.99% - 29.99% Variable APR
Annual fee: $0
The Capital One Quicksilver Cash Rewards Credit Card earns an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% back on all other eligible purchases, and that's on top of the welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.
Since this card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) (then a 19.99% - 29.99% Variable APR), it's an excellent option for debt consolidation or avoiding interest on large purchases.
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), followed by a 19.99% - 29.99% Variable APR
Annual fee: $0
If your goal is earning cash back while saving on interest on purchases, check out the Capital One SavorOne Cash Rewards Credit Card. This card has a good welcome offer: $200 cash back after you spend $500 on purchases within three months from account opening.
You can earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through November 14, 2024, and 8% cash back on Capital One Entertainment purchases. You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel; 3% back on dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and streaming services, and 1% back on everything else you buy. There's no annual fee, and you'll qualify for a 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), then a 19.99% - 29.99% Variable APR.
Introductory APR offer: 0% intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR
Annual fee: $0
Also, consider the Discover it® Cash Back if you want to earn rewards and save money on interest without an annual fee. Once you enroll, this card lets you earn 5% back on up to $1,500 spent in quarterly bonus categories that change every three months (then 1%) plus 1% back on all other purchases (from July 1 to September 30, 2023, you can earn 5% cash back at Gas Stations and Digital Wallets on up to $1,500 in purchases after enrollment, then 1%).
Discover Cashback Match will have your earned cashback matched after your first year of card membership, which works as a delayed welcome bonus of sorts. And that's not to mention the lucrative intro APR offer this card extends.
Introductory APR offer: 0% intro APR on purchases and balance transfers for 18 months from account opening, then a 20.49% - 29.24% Variable APR
Annual fee: $0
The Chase Slate Edge℠ comes with no welcome bonus offer, and it doesn't earn rewards. It's geared toward those who are taking steps to improve their financial situation, and offers features that can help you increase your credit score and reduce the amount of interest you pay.
One benefit designed to help you build your credit is an automatic, one-time review for a higher credit limit if you've paid on time and spent at least $500 in your first six months of opening the Chase Slate Edge℠. A higher limit could have a positive effect on your credit utilization ratio and potentially improve your credit score.
In addition, on each account anniversary, you'll be considered for a 2% APR reduction, as long as you've paid your card on time and spent at least $1,000 on purchases in the previous anniversary year. The reduction is capped, though — it will only be reduced until your APR reaches the Prime Rate plus 9.74% (Prime Rate is 7.00% as of November 3, 2022).
Should you use an introductory 0% APR credit card offer?
Before you take advantage of an introductory 0% APR credit card offer, it's important to consider the following:
Know your offer. Make sure to read the fine print and understand exactly how long your offer lasts. Also, make sure you understand your new interest rate once the 0% intro APR comes to a screeching halt.
Take debt repayment seriously.Pay off all your debt (or as much debt as possible) before your 0% intro offer runs out. Once it ends, your card's APR will revert to the standard variable rate, which is much higher.
Stop using credit cards. While it can make sense to use a 0% intro APR credit for a large expense if you get zero interest on purchases for a limited time, it's best to avoid using cards for regular purchases unless you have the cash to pay your credit card balance off in full each month. If you let 0% intro APR go to your head, you could wind up with a ton of new debt you didn't plan for.
Why are credit card interest rates so high?
Just a few short years ago, having excellent credit meant your credit card interest rate was low. Some people even selected cards based not only on miles, rewards, and cash back, but also on the very interest rate a card charged annually.
My, how things have changed. Good credit still rocks, of course, but today, interest rates on credit cards are some of the highest they've been in the past quarter-century. The interest rate on your credit card varies by the card issuer, and the better your credit score, the lower the interest rate you're likely to receive. Well, within those historically high rates, of course.
Now that it's harder for card issuers to raise rates in response to economic downturns, they've raised the rates on new accounts across the board.
What are credit card APRs right now?
In this time of historically high credit card rates, the very best credit card interest rates are still offered to those with top credit scores, usually considered 700 or above. What's more, rewards credit cards may have some of the higher APRs available, since card issuers are aware that consumers with good credit are typically using these cards for rewards and paying them off monthly.
The problem is that when you apply for a card, you can only see the card's range of interest. You won't know the exact interest rate you're likely to receive until you're approved and actually receive your card.
You can take an educated guess that if your credit score is 700 and above, you'll probably get the lowest of the range for that card. If your scores fall in the mid to high 600s, you'll likely hit the card's mid-range interest rate, and if your scores are lower than the mid-600s, you can count on being offered the highest end of that card's interest rate range.
What is a good interest rate on a credit card?
The average credit card interest rate is about 20%, so anything below that number would be considered a relatively good APR. Of course, no APR is better than a low APR, so if you're able to take advantage of an intro APR offer that waives interest on balance transfers and/or purchases, you'll come out even further ahead.
Why is my APR so high?
If you feel your credit card's APR rate is high, you're not alone. Because credit card debt isn't secured in any way (unlike mortgages, which are secured by property), credit card issuers impose high-interest rates if you default on your payments.
While credit card APRs are high in general, the specific APR you're assigned on your credit card falls within a range. The higher your credit score, the lower your APR will generally be. That's because a high credit score generally indicates that you've successfully paid off your credit card debts promptly.
How can I lower my APR?
Beyond applying for a credit card with an introductory APR offer, you can contact your credit card issuer and request a decrease in your APR. There's no guarantee the issuer will decide to lower your APR, but if you have a good payment history and you indicate that you may move your business elsewhere if you can't get a lower APR, you could have a solid case for getting the rate reduced.
Why You Should Trust Us: How We Chose the Best Zero-Interest Credit Cards
Insider chose the best zero-interest credit cards by looking at all the credit cards currently available with 0% intro APRs on purchases.
We then narrowed down the list by looking at the terms and length of each introductory offer, with longer introductory periods ranking highly. We also considered rewards, like cash back or travel points, card benefits, and factors like annual fees and foreign transaction fees.
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts. She originally joined the PFI team as a Personal Finance Reviews Fellow in 2022.Her love of books, research, crochet, and coffee enriches her day-to-day life.
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
For rates and fees of Discover it® Cash Back, please click here.
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Watch: Sneaky ways credit card companies get you to spend more money