Discover APRs are correct as of December 12, 2024. Terms apply to American Express advantages and gives. Visit americanexpress.com to study extra.
A bank card might be helpful for financing purchases and consolidating debt if it gives a no-interest interval. Some of the best credit cards can present substantial financial savings with intro APRs on purchases, balance transfers or each — for as much as 21 months. This makes intro 0% APR bank cards a probably priceless instrument for tackling bank card debt.
Below, CNBC Select rounds up a few of the finest bank cards that provide no curiosity. See our methodology under.
Best for low balance-transfer charge
The Citi Simplicity® Card could not earn rewards, however it may nonetheless prevent cash as a result of its wonderful intro-APR gives.
- One of the longest intro-APR gives for stability transfers
- No annual charge
- No rewards
- No welcome bonus
Who’s this card for? The Citi Simplicity® Card is a superb choice for consolidating existing credit card debt from different playing cards.
Intro APR supply: You’ll earn a 0% intro APR for 21 months on stability transfers from the date of the primary switch and 0% intro APR for 12 months on purchases from the date of account opening (variable APR can be 18.49% – 29.24% afterward). There is an intro stability switch charge of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, the charge can be 5% of every switch (minimal $5).
Best for purchases and stability transfers
Wells Fargo Reflect® Card
On Wells Fargo’s safe website
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Rewards
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Welcome bonus
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Annual charge
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Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying stability transfers.
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Regular APR
17.49%, 23.99%, or 29.24% variable APR
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Balance switch charge
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Foreign transaction charge
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Credit wanted
Pros
- No annual charge
- Long introductory APR interval on purchases and qualifying stability transfers
- Access to Visa Signature® Concierge
- Get as much as $600 cellular phone safety (topic to a $25 deductible)
- Access to My Wells Fargo Deals to earn money again within the type of an account credit score when procuring, eating
Cons
- No rewards
- No welcome bonus
- 3% charge charged on overseas transactions
Who’s this card for? The Wells Fargo Reflect® Card is good when you’re trying to repay massive purchases over time or consolidate present debt.
Intro APR supply: The Wells Fargo Reflect Card gives a 0% intro APR for 21 months from account opening on purchases and qualifying stability transfers (17.49%, 23.99%, or 29.24% variable APR afterward). Balance transfers made inside 120 days from account opening qualify for the intro fee, the stability switch charge is 5% with a $5 minimal.
Best for no overseas transaction charges
The Capital One Savor Cash Rewards Credit Card is without doubt one of the most rewarding choices for incomes money again in classes equivalent to leisure and eating with out paying an annual charge.
- One of probably the most rewarding cash-back playing cards for leisure and streaming providers
- No annual charge
- Easy-to-earn welcome bonus
- High APR
- Requires a superb to wonderful credit score rating
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- Earn a one-time $200 money bonus when you spend $500 on purchases inside the first 3 months from account opening
- Earn limitless 3% money again at grocery shops (excluding superstores like Walmart® and Target®), on eating, leisure and fashionable streaming providers, plus 1% on all different purchases
- Earn 8% money again on Capital One Entertainment purchases
- Earn limitless 5% money again on inns and rental vehicles booked by Capital One Travel, the place you may get Capital One’s finest costs on 1000’s of journey choices. Terms apply
- No rotating classes or sign-ups wanted to earn money rewards; plus money again will not expire for the lifetime of the account and there is no restrict to how a lot you’ll be able to earn
- 0% intro APR on purchases and stability transfers for 15 months; 19.49% – 29.49% variable APR after that; stability switch charge applies
- No overseas transaction charge
- No annual charge
Balance switch charge
3% for the primary 15 months; 4% at a promotional APR that Capital One could give you at another time
Who’s this card for? The Capital One Savor Cash Rewards Credit Card is a superb choose if you wish to make the most of beneficiant bonus cash-back classes and an intro APR.
Intro APR supply: With a brand new Capital One Savor Cash Rewards Card, you may get a 0% intro APR on purchases and stability transfers for 15 months, then a 19.49% – 29.49% variable APR applies after that. The intro stability switch charge is 3% of the quantity of every transferred stability for the primary 15 months, then 4% of the quantity of every transferred stability at a promotional APR that Capital One could give you at another time.
Best for money again
Wells Fargo Active Cash® Card
On Wells Fargo’s safe website
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Rewards
Unlimited 2% money rewards on purchases
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Welcome bonus
Earn a $200 money rewards bonus after spending $500 in purchases within the first 3 months
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Annual charge
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Intro APR
0% intro APR for 12 months from account opening on purchases and qualifying stability transfers.
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Regular APR
19.49%, 24.49%, or 29.49% Variable APR
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Balance switch charge
Intro fee and charge of three% then a BT charge of as much as 5%, min: $5.
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Foreign transaction charge
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Credit wanted
Pros
- Unlimited money rewards
- $200 money rewards welcome bonus
- No annual charge
- Access to Visa Signature® Concierge
- Get as much as $600 cellular phone safety (topic to a $25 deductible)
Cons
- 3% charge charged on overseas transactions
Who’s this card for? The Wells Fargo Active Cash® Card is a superb selection for incomes money rewards in your everyday purchases, in addition to interest-free financing.
Intro APR supply: The Wells Fargo Active Cash Card comes with 0% intro APR for 12 months from account opening on purchases and qualifying stability transfers (after that, a 19.49%, 24.49%, or 29.49% variable APR applies). Balance transfers made inside the first 120 days qualify for an intro switch charge of three% of the quantity transferred, after that, a 5% charge of the quantity you switch applies ($5 minimal).
Best card for eating
The Chase Freedom Unlimited® is a no-annual-fee card that earns beneficiant cash-back on on a regular basis purchases and a profitable welcome bonus.
- Valuable welcome bonus and excessive rewards charges
- Long intro APR for purchases and stability transfers
- No annual charge
- Has a overseas transaction charge
- Few rewarding ongoing advantages
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- Intro Offer: Earn an extra 1.5% money again on all the things you purchase (on as much as $20,000 spent within the first 12 months) – price as much as $300 money again!
- Enjoy 6.5% money again on journey bought by Chase Travel℠, our premier rewards program that allows you to redeem rewards for money again, journey, present playing cards and extra; 4.5% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and three% on all different purchases (on as much as $20,000 spent within the first 12 months).
- After your first 12 months or $20,000 spent, take pleasure in 5% money again on journey bought by Chase Travel℠, 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1.5% money again on all different purchases.
- No minimal to redeem for money again. You can select to obtain an announcement credit score or direct deposit into most U.S. checking and financial savings accounts. Cash Back rewards don’t expire so long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and stability transfers, then a variable APR of 19.74% – 28.49%.
- No annual charge – You will not must pay an annual charge for all the nice options that include your Freedom Unlimited® card
- Keep tabs in your credit score well being, Chase Credit Journey helps you monitor your credit score with free entry to your newest rating, alerts, and extra.
- Member FDIC
Balance switch charge
Intro charge of both $5 or 3% of the quantity of every switch, whichever is larger, on transfers made inside 60 days of account opening. After that, both $5 or 5% of the quantity of every switch, whichever is larger.
Foreign transaction charge
3% of every transaction in U.S. {dollars}
Who’s this card for? The Chase Freedom Unlimited® is one other sturdy cash-back card with interest-free options.
Intro APR supply: You’ll get a 0% intro APR for 15 months from account opening on purchases and stability transfers (19.74% – 28.49% variable APR afterward). There’s an intro stability switch charge of three% of every switch ($5 minimal) for the primary 60 days, then the charge will increase to five% of every switch ($5 minimal).
Pro tip: You can pair this card with a Chase checking account
When you open a Chase Total Checking® account, you’ll be able to earn a $300 bonus after you make a minimum of $500 in direct deposits inside 90 days of opening the account. You can even waive the month-to-month upkeep charge with qualifying activities.
Chase Total Checking®
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Annual Percentage Yield (APY)
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Minimum stability to open
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Monthly service charge
$12 or $0 with one of many following, every month-to-month assertion interval: Electronic deposits made into this account totaling $500 or extra, equivalent to funds from payroll suppliers or authorities profit suppliers, by utilizing (i) the ACH community, (ii) the Real Time Payment or FedNowSM community, (iii) third get together providers that facilitate funds to your debit card utilizing the Visa® or Mastercard® community, OR a stability initially of every day of $1,500 or extra on this account, OR a median starting day stability of $5,000 or extra in any mixture of this account and linked qualifying Chase checking, financial savings, and different balances.
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Free ATM community
With over 4,700 branches, Chase has the most important department community within the U.S. plus entry to greater than 15,000 ATMs.
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ATM charge reimbursement
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Overdraft charge
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Mobile verify deposit
JPMorgan Chase Bank, N.A. Member FDIC
Best for on-line procuring
The Blue Cash Everyday® Card from American Express has no annual charge and earns bonus rewards on a variety of frequent expenditures.
- Up to $264 in streaming service and meal package credit yearly (topic to auto renewal)
- High cash-back charges in fashionable spending classes
- No annual charge
- The finest bonus cash-back classes are capped
- Has a overseas transaction charge
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card inside the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and stability 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 on as much as $6,000 per 12 months in purchases, then 1%.
- 3% Cash Back on U.S. on-line retail purchases, on as much as $6,000 per 12 months, then 1%.
- 3% Cash Back at U.S. fuel stations, on as much as $6,000 per 12 months, then 1%.
- Cash again is acquired within the type of Reward Dollars that may be redeemed as an announcement credit score or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which might embrace Disney+, Hulu, and ESPN+? Your determination made straightforward with $7/month again within the type of an announcement credit score after you spend $9.99 or extra every month on an eligible subscription (topic to auto renewal) along with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy as much as $15 again per 30 days whenever you buy a Home Chef meal package subscription (topic to auto renewal) along with your enrolled Blue Cash Everyday® Card.
- Apply with confidence. Know when you’re authorised for a Card with no impression to your credit score rating. If you are authorised and also you select to just accept this Card, your credit score rating could also be impacted.
- Terms Apply.
Balance switch charge
Either $5 or 3% of the quantity of every switch, whichever is larger.
Foreign transaction charge
2.7% of every transaction after conversion to US {dollars}
Who’s this card for? Depending in your spending habits, the Blue Cash Everyday® Card from American Express could make sense due to how rewarding it may be for frequent purchases equivalent to groceries, fuel and on-line retailers.
Intro APR supply: The Blue Cash Everyday Card gives a 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR of 18.24%-29.24%, (see rates and fees). To qualify for the intro APR, stability transfers have to be requested inside 60 days of account opening and there is a stability switch charge that is both $5 or 3% of the quantity of every switch (whichever is larger).
Pro tip: You can pair this card with an Amex checking account
An American Express® Rewards Checking account comes with a 1.00% APY and no month-to-month upkeep charges. Plus, you may earn Membership Rewards factors on eligible debit card purchases (one level for each $2 in eligible spending).
American Express® Rewards Checking Account
American Express National Bank is a Member FDIC.
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Monthly upkeep charge
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Minimum deposit to open
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Minimum stability
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Annual Percentage Yield (APY)
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Free ATM community
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ATM charge reimbursement
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Overdraft charge
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Mobile verify deposit
Click here to view phrases and situations.
Best for stability transfers
The Citi® Diamond Preferred® Card is without doubt one of the finest stability switch bank cards and likewise has a beneficiant intro APR supply.
- One of the longest intro-APR gives for stability transfers
- No annual charge
- No rewards
- No welcome bonus
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- 0% Intro APR for 21 months on stability transfers from date of first switch and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR can be 17.49% – 28.24%, primarily based in your creditworthiness. Balance transfers have to be accomplished inside 4 months of account opening.
- There is a stability switch charge of both $5 or 5% of the quantity of every switch, whichever is larger
- Get free entry to your FICO® Score on-line.
- With Citi Entertainment®, get particular entry to buy tickets to 1000’s of occasions, together with live shows, sporting occasions, eating experiences and extra.
- No Annual Fee – our low intro charges and all the advantages don’t include a yearly cost.
Balance switch charge
5% of every stability switch; $5 minimal. Balance transfers have to be accomplished inside 4 months of account opening.
Foreign transaction charge
Who’s this card for? The Citi® Diamond Preferred® Card is one other nice choice for financing massive purchases or transferring present bank card debt.
Intro APR supply: You’ll obtain a 0% intro APR for 21 months on stability transfers from the date of the primary switch that is accomplished inside 4 months of account opening and 0% intro APR for 12 months on purchases (17.49% – 28.24% variable APR afterward). There is a stability switch charge of 5% of the quantity you switch with a $5 minimal.
Best for no annual charge
The Capital One EnterpriseOne Rewards Credit Card earns transferrable miles, which is a stand-out profit for a no-annual-fee card.
- You can switch miles to over 15 Capital One companions, together with Emirates Skywards, Choice Privileges and Singapore Airlines KrisFlyer
- No annual charge
- Limited bonus spending class that solely applies to sure Capital One Travel bookings
- No journey credit and restricted journey protections
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- $0 annual charge and no overseas transaction charges
- Earn a bonus of 20,000 miles when you spend $500 on purchases inside 3 months from account opening, equal to $200 in journey
- Earn limitless 1.25X miles on each buy, day by day
- Miles will not expire for the lifetime of the account and there is no restrict to what number of you’ll be able to earn
- Earn 5X miles on inns and rental vehicles booked by Capital One Travel, the place you may get Capital One’s finest costs on 1000’s of journey choices
- Use your miles to get reimbursed for any journey buy or redeem by reserving a visit by Capital One Travel
- Transfer your miles to your selection of 15+ journey loyalty applications
- Enjoy 0% intro APR on purchases and stability transfers for 15 months; 19.49% – 29.49% variable APR after that; stability switch charge applies
Balance switch charge
3% for the primary 15 months; 4% at a promotional APR that Capital One could give you at another time
Foreign transaction charge
Who’s this for: The Capital One VentureOne Rewards Credit Card is great when you do not wish to pay an annual fee as a result of it earns transferrable journey rewards, on high of its intro-APR supply.
Intro APR supply: The Capital One VentureOne card comes with an intro 0% APR on purchases and stability transfers for 15 months, after {that a} variable APR of 19.49% – 29.49% applies. There is an intro stability switch charge of three% of every switch you full within the first 15 months your account is open. After that interval, the switch charge is 4% of every switch you full at a promotional APR Capital One could give you at another time.
Best for welcome bonus
The Discover it® Cash Back gives a superb return in a variety of helpful rotating quarterly bonus classes.
- Unique welcome bonus matches the money again new cardholders earn for the primary 12 months
- Generous intro-APR supply applies to purchases and stability transfers
- No annual charge
- Cash-back classes have to be activated every quarter
- Bonus money again is capped, then you definately’ll earn 1% again
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
Highlights
- Intro Offer: Unlimited Cashback Match for all new cardmembers–solely from Discover. Discover will mechanically match all of the money again you have earned on the finish of your first 12 months! There’s no minimal spending or most rewards. You might flip $150 money again into $300.
- Earn 5% money again on on a regular basis purchases at totally different locations you store every quarter like grocery shops, eating places, fuel stations, and extra, as much as the quarterly most whenever you activate. Plus, earn limitless 1% money again on all different purchases.
- Redeem your rewards for money at any time.
- Apply and you could possibly get a call in as little as 60 seconds. No annual charge.
- Start procuring and incomes rewards in minutes with our digital card, earlier than your bodily card arrives within the mail, if eligible.
- Discover might aid you scale back publicity of your private info on-line by serving to you take away it from choose people-search websites that might promote your knowledge. It’s free, activate with the cell app.
- Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, primarily based on credit score worthiness. Rates as of December 12, 2024.
- Terms and situations apply.
Balance switch charge
3% intro stability switch charge, as much as 5% charge on future stability transfers (see phrases)*
Who’s this for: The Discover it® Cash Back is a superb match for anybody who needs to rack up cash-back rewards and save on curiosity on the identical time.
Intro APR supply: When you open a Discover it Cash Back card, you’ll be able to make the most of a 0% intro APR on purchases and balances switch for 15 months, then a variable 18.49% to 27.49% APR applies. There is a 3% intro stability switch charge and as much as a 5% charge on future stability transfers (see phrases).
Best for common credit score
The Citi Double Cash® Card is without doubt one of the finest no-annual-fee cash-back playing cards because of its easy rewards construction.
- Long intro-APR for stability transfers
- High flat-rate cash-back rewards construction
- No annual charge
- Has a overseas transaction charge
- Intro APR does not apply to purchases
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus supply can be fulfilled as 20,000 ThankYou® Points, which might be redeemed for $200 money again.
- Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases. To earn money again, pay a minimum of the minimal due on time. Plus, a particular journey supply, earn 5% whole money again on resort, automotive leases and sights booked on the Citi Travel℠ portal by 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR can be 18.49% – 28.49%, primarily based in your creditworthiness.
- Balance Transfers don’t earn money again. Intro APR doesn’t apply to purchases.
- If you switch a stability, curiosity can be charged in your purchases except you pay your total stability (together with stability transfers) by the due date every month.
- There is an intro stability switch charge of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, your charge can be 5% of every switch (minimal $5).
Balance switch charge
For stability transfers accomplished inside 4 months of account opening, an intro stability switch charge of three% of every switch ($5 minimal) applies; after that, a stability switch charge of 5% of every switch ($5 minimal) applies
Foreign transaction charge
Who’s this for: The Citi Double Cash® Card is a beneficiant cash-back rewards credit card to make use of on day by day bills that additionally comes with a fantastic stability switch supply.
Intro APR supply: Upon approval for the Citi Double Cash Card, you may get a 0% intro APR for 18 months on stability transfers (18.49% – 28.49% variable APR afterward; stability transfers have to be accomplished inside 4 months of account opening). The stability switch charge is 3% of the amount you transfer ($5 minimal) inside the first 4 months, then the stability switch charge will increase to five% of any quantity you switch ($5 minimal).
Best for rotating classes
The Citi Custom Cash® Card is an particularly easy and rewarding cash-back card since you’ll mechanically earn bonus rewards the place you spend probably the most.
- Intro APR applies to purchases and stability transfers
- Easy-to-earn welcome bonus; No annual charge
- Bonus cash-back classes are capped
- Has a overseas transaction charge
Highlights
Highlights proven listed below are supplied by the issuer and haven’t been reviewed by CNBC Select’s editorial workers.
- Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus supply can be fulfilled as 20,000 ThankYou® Points, which might be redeemed for $200 money again.
- 0% Intro APR on stability transfers and purchases for 15 months. After that, the variable APR can be 18.49% – 28.49%, primarily based in your creditworthiness.
- Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Also, earn limitless 1% money again on all different purchases. Special Travel Offer: Earn an extra 4% money again on inns, automotive leases, and sights booked on Citi Travel℠ portal by 6/30/2026.
- No rotating bonus classes to enroll in – as your spending adjustments every billing cycle, your earn adjusts mechanically whenever you spend in any of the eligible classes.
- No Annual Fee
- Citi will solely challenge one Citi Custom Cash® Card account per individual.
Balance switch charge
5% of every stability switch ($5 minimal)
Foreign transaction charge
Who’s this for? The Citi Custom Cash® Card is good if the place you spend probably the most adjustments from month to month and also you wish to maximize the return you get in your spending.
Intro APR supply: The Citi Custom Cash Card gives an intro 0% APR for 15 months on purchases and eligible stability transfers, after that an 18.49% – 28.49% variable APR applies, primarily based in your creditworthiness. There is a stability switch charge of 5% of the quantity of every switch ($5 minimal).
Best for buy protections
The Chase Freedom Flex® is a superb cash-back card for maximizing your spending in a wide range of classes.
- Long intro APR for purchases and stability transfers
- Rewarding quarterly bonus classes
- No annual charge
- Bonus classes are capped every quarter
- Has a overseas transaction charge
Rewards
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate (then 1%)
- 5% money again on journey booked by Chase Travel℠
- 3% on drugstore purchases and on eating (together with takeout and eligible supply providers)
- 1% money again on all different purchases
Balance switch charge
Intro charge of both $5 or 3% of the quantity of every switch, whichever is larger, on transfers made inside 60 days of account opening. After that, both $5 or 5% of the quantity of every switch, whichever is larger.
Foreign transaction charge
Who’s this card for? The Chase Freedom Flex® is a terrific choice for somebody searching for a card with rotating spending categories, in addition to interest-free financing.
Intro APR supply: You can make the most of a 0% intro APR for 15 months from the date you open your Freedom Flex account opening on purchases and stability transfers (19.74% – 28.49% variable APR afterward). There is an intro stability switch charge of three% of the quantity of every switch ($5 minimal) for transfers you make inside the first 60 days. After that, the usual stability switch charge is 5% of the quantity of every switch ($5 minimal).
Best 0% intro APR bank cards comparability
| Credit Card | CNBC Select’s choose for | Purchase intro APR | Balance switch intro APR | Rewards | Welcome bonus |
|---|---|---|---|---|---|
| Wells Fargo Reflect® Card | Purchases and stability transfers | Yes | Yes | None | No |
| Citi Simplicity® Card | Low balance-transfer charge | Yes | Yes | None | No |
| Wells Fargo Active® Cash | Cash Rewards | Yes | Yes | Yes, money rewards | Yes |
| Blue Cash Everyday® Card from American Express | Online procuring | Yes | Yes | Yes, assertion credit | Yes |
| Chase Freedom Unlimited® | Dining | Yes | Yes | Yes, money again | Yes |
| Capital One Savor Cash Rewards Credit Card | No overseas transaction charges | Yes | Yes | Yes, money again | Yes |
| Citi® Diamond Preferred® Card | Balance transfers | Yes | Yes | None | No |
| Citi Custom Cash® Card | Rotating classes | Yes | Yes | Yes, money again | Yes |
| Citi Double Cash® Card | Welcome bonus | No | Yes | Yes, money again | Yes |
| U.S. Bank Visa® Platinum Card | U.S. Bank clients | Yes | Yes | None | No |
| Chase Freedom Flex® | Purchase protections | Yes | Yes | Yes, money again | Yes |
| Bank of America® Unlimited Cash Rewards Card | Bank of America clients | Yes | Yes | Yes, money again | Yes |
More on our high 0% APR bank cards
Citi Simplicity® Card
Wells Fargo Reflect® Card
Rewards
None
Welcome bonus
None
Annual charge
$0
Notable perks
Anyone trying to save curiosity on purchases and stability transfers will recognize the Wells Fargo Reflect® Card’s lengthy intro-APR supply for purchases and stability transfers. This card additionally gives roadside dispatch and cell phone protection (Up to $600 of cellular phone safety in opposition to harm or theft. Subject to a $25 deductible).
Capital One Savor Cash Rewards Credit Card
Rewards
- 8% money again on Capital One Entertainment purchases
- 5% money again on inns and rental vehicles booked by Capital One Travel (phrases apply)
- 3% money again on eating and at grocery shops (excluding superstores like Walmart® and Target®)
- 3% money again on fashionable streaming providers and leisure
- 1% money again on all different purchases
Welcome bonus
Earn a one-time $200 money bonus when you spend $500 on purchases inside the first 3 months from account opening.
Annual charge
$0
Notable perks
The Capital One Savor Cash Rewards Credit Card is a no-annual-fee rewards card that earns aggressive returns on frequent spending classes and gives a useful intro APR. This card has no overseas transaction charges, extended warranty coverage and journey accident insurance coverage.
Wells Fargo Active Cash® Card
Rewards
- 2% money rewards again on purchases
Welcome bonus
Earn a $200 money rewards bonus after spending $500 on purchases within the first three months of account opening.
Annual charge
$0
Notable perks
The Wells Fargo Active Cash® Card comes with cell phone insurance that covers harm, theft and lack of a cellular phone. This insurance coverage has a $25 deductible with a max protection of $600 per declare. This card additionally has roadside dispatch, journey and emergency help providers and rental automotive collision protection.
Chase Freedom Unlimited®
Rewards
- 5% again on journey bought by Chase Travel℠
- 5% again on Lyft rides (by March 2025)
- 3% again at drugstores
- 3% again on dining at eating places (together with takeout and eligible supply providers)
- 1.5% again on all different purchases
Welcome bonus
Earn an extra 1.5% money again on as much as $20,000 spent within the first 12 months – price as much as $300 money again.
Annual charge
$0
Notable perks
The Chase Freedom Unlimited® gives greater than only a wholesome intro-APR interval, it is also an extremely rewarding cash-back bank card. You’ll additionally obtain purchase protection, prolonged guarantee safety, rental automotive protection and journey cancellation/interruption insurance coverage.
Blue Cash Everyday® Card from American Express
Rewards
- 3% money again at U.S. supermarkets on as much as $6,000 per 12 months in purchases, then 1%
- 3% money again at U.S. fuel stations, as much as $6,000 per 12 months, then 1%
- 3% money again on U.S. on-line retail purchases, on as much as $6,000 per 12 months, then 1%
- 1% money again on all different eligible purchases
Cash again is acquired within the type of Reward Dollars that may be redeemed as an announcement credit score.
Welcome bonus
Earn a $200 assertion credit score after you spend $2,000 in purchases in your new card inside the first six months.
Annual charge
$0 (see rates and fees)
Notable perks
For a no-annual-fee card, the Blue Cash Everyday® Card from American Express has a shocking quantity of assertion credit score perks. You can obtain as much as $84 again per 12 months in Disney Bundle credit score ($7 again per 30 days whenever you spend a minimum of $9.99 per 30 days on eligible auto-renewing subscriptions; enrollment required). You can even obtain as much as $180 again per 12 months on Home Chef subscriptions (as much as $15 again per 30 days on auto-renewing subscriptions; enrollment required).
Citi® Diamond Preferred® Card
Capital One EnterpriseOne Rewards Credit Card
Discover it® Cash Back
Rewards
- Earn 5% money again on the primary $1,500 in mixed purchases whenever you activate rotating quarterly classes, then 1% money again.
- 1% money again on all different purchases.
Welcome bonus
Discover will match all of the money again earned for all new card members on the finish of your first 12 months.
Annual charge
$0
Notable perks
The money again you earn with the Discover it® Cash Back is straightforward to redeem for assertion credit, financial institution deposits, gift cards and Amazon purchases. With this card, you will not pay any overseas transaction charges.
Citi Double Cash® Card
Rewards
Earn 2% money again: 1% whenever you make a purchase order and 1% whenever you pay.
Welcome bonus
Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Annual charge
$0
Notable perks
The Citi Double Cash® Card has no annual charge, which makes its limitless 2% again on all purchases that rather more spectacular. There are a number of particular cardmember applications, together with Citi Entertainment℠, which supplies cardholders first entry to buy tickets for 1000’s of live shows and occasions. The card additionally gives entry to Citi® Identity Theft Solutions, a service that can aid you when you’re a sufferer of id theft.
Citi Custom Cash® Card
Rewards
- 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
- 1% money again on all different purchases
- Earn an extra 4% money again on inns, automotive leases, and sights booked by the Citi Travel℠ portal by June 30, 2026.
Welcome bonus
Earn $200 in money again after spending $1500 on purchases within the first six months of account opening.
Annual charge
$0
Notable perks
The Citi Custom Cash® Card is a no-annual-fee card with bonus cash-back classes that shift along with your spending habits. Beyond rewards, its standout perk is its introductory APR supply.
Chase Freedom Flex®
Rewards
- 5% again on as much as $1,500 in mixed purchases in rotating bonus classes you activate every quarter (then 1% again)
- 5% again on Lyft rides (by March 2025)
- 5% again on journey bought by Chase Ultimate Rewards®
- 3% again at drugstores
- 3% again on eating at eating places (together with takeout and eligible supply providers)
- 1% again on all different purchases.
Welcome bonus
Earn a $100 bonus after you spend $500 on purchases within the first 3 months from account opening. Plus, earn 5% money again on grocery retailer purchases (excluding Target® and Walmart®) on as much as $12,000 spent within the first 12 months.
Annual charge
$0
Notable perks
The Chase Freedom Flex® has a notable intro-APR supply. Cardholders can even enroll for 3 complimentary months of DashPass, then 9 months at 50% off. New enrollees beginning February 1, 2025 will obtain six free months of DashPass.
How to get probably the most profit from 0% APR playing cards
A 0% APR card is most useful whenever you perceive the phrases of the supply and arrange a plan to repay your debt. Here’s what to remember when you’re contemplating a 0% intro APR bank card on your pockets.
Read the positive print
Make positive you become familiar with any positive print related to the 0% APR supply, such because the expiration date, timeline for finishing a stability switch, any stability switch charges and the rate of interest as soon as the intro interval ends.
Create a compensation plan
You’ll must give you a plan to pay off credit card debt. The quantity it’s essential pay every month to have a zero stability on the finish of the intro interval will depend on the size of the intro interval.
For instance, when you’ve got a $4,500 stability on the Chase Freedom Flex, which gives an intro APR interval of no curiosity for the primary 15 months on stability transfers and purchases (after, 19.74% – 28.49% variable APR), you may must pay $300 every month to repay your outdated stability earlier than the intro interval ends. But when you’ve got the U.S. Bank Visa® Platinum Card, with 0% intro APR for 18 months on stability transfers (then 18.74% – 29.74% variable APR), the month-to-month fee decreases to $250.
Pay off your stability in full
It’s essential to repay any transferred debt or lingering new buy balances earlier than the intro 0% APR interval ends. If you do not, count on to be hit with the common buy APR. And when you’ve got a store card, you could possibly be hit with a invoice for all of the curiosity you accrued for the reason that date you made your buy or switch (often known as deferred interest). None of the playing cards on this checklist cost cardholders deferred curiosity.
Calculate how a lot you could possibly save with a 0% APR bank card
The greatest motive to get a 0%-APR bank card is to save lots of on curiosity, and the way a lot you may save will depend on your bank card stability, stability switch charges, present rate of interest and the size of the intro APR interval.
Here’s how a lot you could possibly save with a 12-month intro APR and 18-month intro APR when you’ve got a $5,000 bank card stability, a 22% APR and pay it off in 12 or 18 months. We factored within the stability switch charge (usually 3% to five% of the quantity you switch), which eats into your financial savings however might be price paying.
0% APR bank card financial savings
| Starting stability | APR | 3% stability switch charge | 5% stability switch charge | Total curiosity or charges | Total financial savings |
|---|---|---|---|---|---|
| $5,000 | 22% for 12 months | N/A | N/A | $616 | N/A |
| $5,000 | 0% for 12 months | $150 | $250 | $150 to $250 | $366 to $466 |
| $5,000 | 22% for 18 months | N/A | N/A | $916 | N/A |
| $5,000 | 0% for 18 months | $150 | $250 | $150 to $250 | $666 to $766 |
Best methods to make use of a 0% APR bank card
Credit playing cards that provide no curiosity on purchases and/or stability transfers are a fantastic asset for shoppers trying to save on curiosity expenses once they carry a stability month-to-month. The finest means to make use of a 0% APR card will depend on your state of affairs, however there are occasions when it makes extra sense.
When you are making a big buy
If you intend on making massive purchases, equivalent to a new iPhone or exercise tools, and want extra time to pay them off, a 0% APR card might help you pay over time with no curiosity expenses.
When you may have bank card debt
If you may have debt on a high-interest card, finishing a stability switch to a card with no curiosity for as much as 20 months might help you pay it off sooner and cheaper.
If you fall into each classes, a card with no curiosity on new purchases and stability transfers might help you repay massive bills and outdated debt on the identical time. Remember that you will must make minimal funds in your stability and pay it off in full earlier than the intro interval ends to keep away from curiosity.
Learn extra: How 0% APR cards work and how to complete a balance transfer
How to match 0% APR and low-interest playing cards
If you are undecided whether or not a 0% APR card or a low-interest bank card is the proper selection, ask your self the next questions.
- Are you carrying debt from a high-interest bank card? Then you must contemplate a balance transfer credit card with as much as 21 months of no curiosity.
- Do you intend on making a big buy? A 0% APR card can present a prolonged intro interval that lets you repay debt for over a 12 months with no curiosity.
- Do you carry a stability month to month? A low-interest credit card gives a comparatively constant APR each month, in comparison with 0% APR playing cards that usually cost high-interest charges after the intro interval ends.
After you establish which bank card you wish to apply for, there are key elements you may wish to evaluate playing cards.
Length of intro APR interval
An intro APR interval usually lasts anyplace from six to 21 months. Many fashionable rewards cards supply no curiosity for as much as 15 months, and non-rewards playing cards can have 18- and 21-month intro 0% APR durations.
Regular APR
Unfortunately, an intro 0% APR will not final eternally. If you do not repay your stability earlier than the 0%-APR interval expires, you may begin accruing curiosity once more. So contemplate the common APR earlier than deciding on a card when you suppose you could carry a stability as soon as the intro 0% APR interval ends.
Balance switch charge
Most stability switch playing cards cost a charge per switch, usually 3% to five% of the switch quantity. The cash you save in curiosity can outweigh this charge, however ensure to do the maths. To keep away from charges, take a look at the best no-fee balance transfer credit cards.
Annual charge
Cards with a 0% APR interval typically even have an annual charge. Make positive to evaluation the annual charge annually and evaluate it with the worth you are getting from the cardboard’s perks to resolve whether or not it is price conserving.
Rewards and perks
The finest 0% APR playing cards additionally supply money again, factors and miles. In addition, you may additionally be capable to make the most of different perks equivalent to buy and travel protections. While these are good advantages, paying off debt ought to be your main purpose. Although a card’s advantages should not drive your determination, they’ll add to the worth you obtain and should not be fully ignored.
Find one of the best bank card for you by reviewing gives in our credit card marketplace or get personalised gives by way of CardMatch™.
Pros
- An enormous potential for curiosity financial savings, particularly when you’re carrying a big stability or have a excessive APR.
- Help repay debt extra rapidly, since each greenback goes straight towards the principal.
Cons
- Fewer rewards, so you might have considered trying a extra rewarding card as soon as your debt is paid off.
- Cardholders often must pay a stability switch charge, which might be 3% to five%.
- If you do not repay the transferred stability earlier than the intro APR expires you may begin accruing curiosity once more.
FAQs
How do 0% APR bank cards work?
A 0% APR bank card gives no curiosity for a set period of time, often 12 to 21 months. During the intro 0% APR interval, you will not be charged curiosity on new purchases or stability transfers. These playing cards might help you consolidate credit card debt with a stability switch and pay for brand spanking new purchases over time with out incurring curiosity expenses or each.
Balance switch bank cards could set a restrict on the quantity of debt you’ll be able to switch, which is usually lower than your general credit score restrict. Plus you could be charged a stability switch charge, usually 3% per switch.
What credit score rating is required for 0% APR bank cards?
Most 0% APR bank cards are reserved for shoppers with good (670-739) or wonderful (740 and higher) credit score. If your credit score is truthful (580 to 669) or poor (under 580) you will have hassle qualifying for a 0% APR card.
How does your credit score rating have an effect on your rate of interest?
In basic, the decrease your credit score rating, the higher your interest rate will be. It’s necessary to have a superb credit score rating for a wide range of causes: It impacts your potential to get sure forms of loans and/or bank cards, the dimensions of these loans and the rate of interest in your card and/or mortgage.
A 0% APR bank card might help you keep away from curiosity expenses for a sure interval. Using the additional money you save by not paying curiosity might help you pay down your debt sooner, decrease your credit utilization and increase your credit score.
When ought to I keep away from a 0% APR bank card?
A no-interest bank card is a superb instrument for financing new purchases, however it’s essential watch out how you utilize one. If you may have a historical past of overspending, you could be tempted to spend extra on a 0% APR card since you may have upwards of a 12 months to repay your total stability with out curiosity, in comparison with an everyday card that requires you to pay your stability in full every billing cycle to keep away from curiosity expenses.
How do I keep away from curiosity on a bank card?
The easiest technique to keep away from curiosity expenses on a bank card is to pay your stability in full by the due date. However, there’s an exception with 0% APR playing cards. During the size of the intro interval, you might be solely required to make the minimum payments in your stability, and you will not be charged curiosity on new purchases and/or stability transfers. Once the intro interval ends, any lingering balances or new purchases and transfers will incur the common APR.
Do 0% APR bank cards damage your credit score?
When you apply for a bank card (together with a 0% APR card), you may have a tough credit score pull in your credit score report, which generally comes with a dip of some factors in your credit score rating. However, this dip is non permanent and also you’re credit score rating ought to rise in just a few months.
However, when you use a considerable amount of your credit score line in your card for both purchases or a stability switch, your credit utilization ratio might rise and trigger a extra vital drop in your credit score rating. Experts usually advocate conserving your credit score utilization ratio under 30% of your whole credit score line. For instance, when you had a $10,000 credit score restrict you’d wish to maintain your month-to-month spending underneath $3,000 to maintain your credit score utilization low.
Can you get 0% curiosity on bank cards?
Some bank cards supply new card members 0% curiosity for a set period of time, which is often anyplace from six months to 21 months. These gives can apply to purchases, stability transfers or each.
Do stability transfers damage your credit score?
A bank card stability switch usually will not damage your credit score rating. However, when you do not make on-time funds or max out your credit score restrict, that may damage your credit score rating. You’ll additionally obtain a short lived hit to your credit score whenever you apply for the brand new card.
What is one of the best bank card with 0% curiosity?
The finest bank card with a no-interest supply is the one which most closely fits your wants. Pay consideration to a card’s annual charge and stability switch charges as a result of they’ll lower into your financial savings.
Are there any 0% APR bank cards for 21 months?
There are just a few bank cards that provide 0% APR on new purchases and stability transfers for as much as 21 months.
Why belief CNBC Select?
At CNBC Select, our mission is to offer our readers with high-quality service journalism and complete client recommendation to allow them to make knowledgeable selections with their cash. Every bank card evaluation relies on rigorous reporting by our staff of skilled writers and editors with intensive information of bank card merchandise. While CNBC Select earns a fee from affiliate companions on many gives and hyperlinks, we create all our content material with out enter from our business staff or any exterior third events, and we satisfaction ourselves on our journalistic requirements and ethics. See our methodology for extra info on how we select one of the best 0% APR bank cards.
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Our methodology
To decide which playing cards supply one of the best worth for intro-APR gives, CNBC Select analyzed over 250 main bank cards issued by FDIC-insured banks and NCUA-insured credit score unions which can be extensively accessible within the U.S.
We in contrast every card on a variety of options, together with rewards (e.g., money again, factors and miles), annual charges, welcome bonuses, introductory and commonplace APR and stability switch charges and overseas transaction charges. We additionally thought-about extra perks (e.g., ongoing journey or service provider assertion credit), cardholder protections (e.g., buy safety, $0 legal responsibility safety and journey insurance coverage), the applying course of when accessible (e.g., is there a credit score pull or required credit score rating) and the way straightforward it’s to redeem factors (e.g., are rewards are tied to a particular model; if transferable, to what number of/which companions, are you able to redeem for straight money again).
We additionally thought-about CNBC Select viewers knowledge when accessible, equivalent to basic demographics and engagement with our content material and instruments.
For the playing cards that supplied a rewards program, we thought-about client spending knowledge forecasts from location intelligence agency Esri to find out the place U.S. shoppers are spending probably the most cash, like on eating and journey. We used this to assist decide what bonus classes are most helpful for shoppers. Since the worth of some extent or mile varies primarily based on what they are often redeemed for, we additionally thought-about issues like transferability and the flexibility to redeem for cash-back.
When selecting one of the best 0% curiosity bank cards, we targeted on the size of the intro APR supply and whether or not the 0% curiosity applies to purchases, stability transfers or each. We additionally thought-about stability switch charges and the size of time new cardholders must make a switch and nonetheless qualify for the intro APR. Some 0%-interest bank cards do not supply rewards, intro bonuses or different ongoing advantages. However, many bank cards present intro-APR gives and extra perks, when these can be found they factored into our selections.
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For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply
Information in regards to the Bank of America® Unlimited Cash Rewards Card has been collected independently by Select and has not been reviewed or supplied by the issuer of the cardboard previous to publication.
For charges and charges of the Blue Cash Everyday® Card from American Express, click on here.
For charges and charges of the Discover it® Cash Back, click on here.
Editorial Note: Opinions, analyses, opinions or suggestions expressed on this article are these of the Select editorial workers’s alone, and haven’t been reviewed, authorised or in any other case endorsed by any third get together.
