13 Best 0% APR Credit Cards of December 2024
Updated: Nov 18, 2024+ 2 more+ 2 more
A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? Put it on one of these credit cards and then pay it off without finance charges. Many of the best zero-percent credit cards not only come with a long 0% APR period, but also earn rewards and offer bonuses that can translate into big discounts on big purchases.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? Put it on one of these credit cards and then pay it off without finance charges. Many of the best zero-percent credit cards not only come with a long 0% APR period, but also earn rewards and offer bonuses that can translate into big discounts on big purchases.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Show More
A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? Put it on one of these credit cards and then pay it off without finance charges. Many of the best zero-percent credit cards not only come with a long 0% APR period, but also earn rewards and offer bonuses that can translate into big discounts on big purchases.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? Put it on one of these credit cards and then pay it off without finance charges. Many of the best zero-percent credit cards not only come with a long 0% APR period, but also earn rewards and offer bonuses that can translate into big discounts on big purchases.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Best 0% APR Credit Cards of December 2024
Wells Fargo Reflect® Card: Best for Longest 0% intro period
BankAmericard® credit card: Best for Long intro period + straightforward benefits
U.S. Bank Visa® Platinum Card: Best for Long intro period + low intro transfer fee
U.S. Bank Cash+® Visa Signature® Card: Best for Maximum customization
Capital One Savor Cash Rewards Credit Card: Best for Going out & staying in
Chase Freedom Unlimited®: Best for All-around cash back
Blue Cash Everyday® Card from American Express: Best for Grocery, gas & online rewards
Bank of America® Unlimited Cash Rewards credit card: Best for Simplicity + relationship rewards
Capital One Quicksilver Cash Rewards Credit Card: Best for Simple cash back
Bank of America® Customized Cash Rewards credit card: Best for Customizable cash back
Citi Custom Cash® Card: Best for Automatic 5% rewards
Chase Freedom Flex®: Best for Quarterly categories + cash bonus
Discover it® Cash Back: Best for Quarterly categories + matching bonus
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Best 0% APR Credit Cards From Our Partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Apply Now on Bank of America's website on Bank of America's website | Best for Long intro period + straightforward benefits | $0 | 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | 15.74%-25.74% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Apply Now on Chase's website on Chase's website | Best for All-around cash back | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 19.99%-28.74% Variable APR | Apply Now on Chase's website on Chase's website |
Apply Now on Wells Fargo's website on Wells Fargo's website | Best for Longest 0% intro period | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website |
Apply Now on Capital One's website on Capital One's website | Best for Going out & staying in | $0 | 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | 19.74%-29.74% Variable APR | Apply Now on Capital One's website on Capital One's website |
Apply Now on U.S. Bank's website on U.S. Bank's website | Best for Long intro period + low intro transfer fee | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 17.99%-28.99% Variable APR | Apply Now on U.S. Bank's website on U.S. Bank's website |
Apply Now on Citibank's application on Citibank's application | Best for Automatic 5% rewards | $0 | 0% intro APR on purchases and balance transfers for 15 months | 18.49%-28.49% Variable APR | Apply Now on Citibank's application on Citibank's application |
Apply Now on American Express' website on American Express' website | Best for Grocery, gas & online rewards | $0 | 0% intro APR for 15 months on purchases and balance transfers | 18.49%-29.49% Variable APR | Apply Now on American Express' website on American Express' website |
Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | Best for Quarterly categories + matching bonus | $0 | 0% intro APR for 15 months on purchases and balance transfers | 18.74%-27.74% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
Apply Now on Chase's website on Chase's website | Best for Quarterly categories + cash bonus | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 19.99%-28.74% Variable APR | Apply Now on Chase's website on Chase's website |
Apply Now on Bank of America's website on Bank of America's website | Best for Simplicity + relationship rewards | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.74%-28.74% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Apply Now on U.S. Bank's website on U.S. Bank's website | Best for Maximum customization | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 18.74%-28.99% Variable APR | Apply Now on U.S. Bank's website on U.S. Bank's website |
Apply Now on Capital One's website on Capital One's website | Best for Simple cash back | $0 | 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | 19.74%-29.74% Variable APR | Apply Now on Capital One's website on Capital One's website |
Apply Now on Bank of America's website on Bank of America's website | Best for Customizable cash back | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.74%-28.74% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Our pick for: Long intro period + straightforward benefits
Card details
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74% - 25.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
NerdWallet's take
The BankAmericard® credit card isn't fancy. But if you're just looking for a good, long introductory APR period, it might be perfect.
There's a 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74%-25.74% will apply.
The card doesn't earn ongoing rewards, so its utility beyond the 0% period is limited. Consider upgrading your account to a Bank of America® rewards card when the time comes.
Our pick for: All-around cash back
Rewards breakdown
Card details
- 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 Travel℠, 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 travel purchased through Chase Travel℠, 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 19.99% - 28.74%.
- 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, alerts, and more.
- Member FDIC
NerdWallet's take
The Chase Freedom Unlimited® starts you out with an excellent 0% intro APR period (and a nice bonus offer) and delivers ongoing value with its 5-star cash back rewards.
You get an introductory 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74% Variable APR. This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. New cardholders also get a solid bonus offer.
Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories. Still, this card's combination of rewards and 0% period makes it a formidable choice.
Our pick for: Longest 0% intro period
Card details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. 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.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Reflect® Card offers maximum breathing room for paying off a big purchase, with an intro APR period approaching two years.
Few cards offer a promotional window like this one: You'll get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.49%, 23.99%, or 29.24% Variable APR. The card also offers cell phone protection if you use it to pay your monthly bill.
You won't earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals. So the card's usefulness after the 0% promotion runs out is limited.
Our pick for: Going out & staying in
Rewards breakdown
Card details
- For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
- View Rates & Fees
NerdWallet's take
The Capital One Savor Cash Rewards Credit Card is the rare card with bonus rewards for both homebodies and on-the-town types, giving it lasting value well beyond its 0% intro APR period.
This card has a 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; balance transfer fee applies. You'll earn unlimited 3% cash back on dining, on entertainment, at grocery stores and on eligible streaming services; and 8% on Capital One Entertainment purchases. Other purchases earn 1% back. And don't forget the sign-up bonus.
If your spending is more concentrated in one food category over the other — dining out or cooking at home — you might do better with a card that specializes in one of those areas.
Our pick for: Long intro period + low intro transfer fee
Card details
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Visa® Platinum Card offers a nice, long break from interest charges, plus a low introductory fee for balance tansfers.
You get a 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.99%-28.99% Variable APR. The card also offers cell phone protection if you use it to pay your wireless bill.
This card offers no rewards; when the 0% period runs out, consider switching your account to one of U.S. Bank's rewards credit cards.
Our pick for: Automatic 5% rewards
Rewards breakdown
Card details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- View Rates & Fees
NerdWallet's take
The Citi Custom Cash® Card is a no-hassle bonus rewards card: You automatically earn 5% cash back in the eligible category where you spend the most money.
This card offers 0% intro APR on purchases and balance transfers for 15 months, and then the ongoing APR of 18.49%-28.49% Variable APR. Plus, it earns 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back on other purchases). There's a good bonus offer, too. (See our review for full list of eligible categories.)
The amount of spending eligible for 5% cash back is fairly low. You can find cards with higher spending caps — or no caps at all — on bonus rewards.
Our pick for: Grocery, gas & online rewards
Rewards breakdown
Card details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% 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, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express combines a great 0% intro APR period with elevated rewards in common household spending categories.
Start with a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.49%-29.49% Variable APR. You earn 3% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per year in spending in each category). Other purchases earn 1% back. (Terms apply.) There's a nice welcome offer, too.
This card doesn't offer the transit or streaming benefits of its annual-fee cousin, the Blue Cash Preferred® Card from American Express. And if you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on that card because you'll come out ahead with the higher rewards rate. But that other card has a shorter 0% intro APR period.
Our pick for: Quarterly categories + matching bonus
Rewards breakdown
Card details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- 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.
- Get a 0% intro APR for 15 months on purchases. Then 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The Discover it® Cash Back earns solid cash-back rewards while giving you breathing room to pay down a balance without interest.
You get a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.74%-27.74% Variable APR. You'll earn 5% cash back on rotating bonus categories that you activate (on up to $1,500 in spending per quarter) and 1% back on all other spending. All the while during your first year, you're earning Discover's signature new-cardholder bonus.
Rewards-wise, it can be a hassle to track bonus categories and opt in to them every quarter. And you have to wait a full year to collect your bonus.
Our pick for: Quarterly categories + cash bonus
Rewards breakdown
Card details
- 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 Travel℠, 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 19.99%-28.74%.
- 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.
- Member FDIC
NerdWallet's take
If you're willing to put in a little work, the Chase Freedom Flex® offers terrific rewards potential that will endure long after its (excellent) 0% APR period runs out.
You get an introductory 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74%, Variable APR. This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%; activation required); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can also earn a cash bonus.
With its combination of fixed and rotating bonus categories, this card isn't known for simplicity. And having to opt in to the bonus categories every quarter can be a hassle.