12 finest 0% APR bank cards of January 2025

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.

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).

[ Jump to more details ]

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.

[ Jump to more details ]

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.

[ Jump to more details ]

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).

[ Jump to more details ]

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).

[ Jump to more details ]

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.

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).

[ Jump to more details ]

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).

[ Jump to more details ]

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.

[ Jump to more details ]

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).

[ Jump to more details ]

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).

[ Jump to more details ]

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).

[ Jump to more details ]

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).

[ Jump to more details ]

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).

[ Return to card summary ]

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.

[ Return to card summary ]

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.

[ Return to card summary ]

• 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.

[ Return to card summary ]

$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).

[ Return to card summary ]

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.

[ Return to card summary ]

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.

[ Return to card summary ]

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.

[ Return to card summary ]

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.

[ Return to card summary ]

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.

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.

• 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.

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.

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. 

Catch up on CNBC Select’s in-depth protection of credit cards, banking and money, and comply with us on TikTok, Facebook, Instagram and Twitter to remain updated.

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.