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Best 0% APR Credit Cards

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by Eric Rosenberg | Updated Jun. 6, 2017
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Overview

Whether it's saving money on interest charges by transferring balances or gearing up for a large purchase, 0% APR credit cards offer cardholders some peace of mind. By giving yourself the opportunity to separate out payments into smaller chunks while avoiding interest charges, you can really get your budget under control and continue to be able to afford certain expenses that you may not be able to otherwise. That being said, it's all too easy to fall into the trap of thinking you can suddenly afford more than you actually can, so 0% APR come with the added risk of imagined liquidity. If you're in the market to reduce your interest payments to zero, we've compiled some of the best credit card offers out there to make the process better and possibly even rewarding. Using our credit card evaluation model, we looked at a number of credit card offers that provide 0% APR for different purposes as well as occasionally throw in bonus features like cash back or rewards. See below to get started and stop spending money on interest! See More


Best 0% APR Credit Card for Balance Transfers

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  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74%-24.49% Variable

Benefits

When looking to consolidate debt with a balance transfer, it is important to find a card that offers low fees, a low interest rate and a zero interest period to give you time to pay off your debt. Chase Slate® has those features and more. Pay no fee for a balance transfer in the first 60 days you have the card. Then take advantage of 0% APR on purchases and balance transfers for 15 months from the date you opened the account. Card holders also get a free FICO® score. This card has no annual fee.

Things to Consider

After the first 60 days, balance transfers are subject to a $5 or 5% fee (whichever is greater). After the introductory period ends, balances are subject to a variable rate of 15.74%-24.49% Variable APR.

Our Verdict

If you want to consolidate your debt from expensive credit cards to one, this is the best option. Enjoy over a year interest free, and transfer your first balance with no fees. After that, keep the card as long as you’d like with no annual fee. Among all credit cards, this is our favorite balance transfer card.

Best 0% APR Credit Card for Long 0% APR Period

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  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Annual Fee

$0

Purchase Intro APR

0% APR for 21 Months

Balance Transfer Intro APR

0% APR for 21 Months

Regular APR

14.24% - 24.24% (Variable)

Benefits

Some people move balances around, taking advantage of long 0% APR periods to borrow interest free. If that sounds like you, the Citi® Simplicity Card should be on your list. This card has the longest 0% APR period we could find. Enjoy 0% APR for 21 months after opening a new account. This card has no annual fee and offers cardholders the Citi® Price Rewind service.

Things to Consider

While you can leave your balances on the card interest free for 21 months, you have to pay to move them there. Pay a 3% fee or $5 on all balance transfers, whichever is greater. After the 0% APR period ends, pay between 14.24% - 24.24% (Variable) APR. Your interest rate is based on your credit history.

Our Verdict

If 0% APR is your thing, this is a great option. No card charges less than 0% interest for that long of a period - you have nearly two years before you have to worry about an interest charge. That time is great for paying off your debt so you can move on debt free. Use this card to never pay interest again. If you are paying interest on a credit card, open the Citi® Simplicity Card and watch your savings begin next month.

Best 0% APR Credit Card for Low Interest After Intro Period

More Details

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges

Annual Fee

$0

Purchase Intro APR

0% for 15 billing cycles

Balance Transfer Intro APR

0% for 15 billing cycles

Regular APR

10.74% - 22.74% Variable

Benefits

Taking advantage of 0% APR introductory periods is a great way to save money on interest charges. But what do you do when that 0% period ends? The U.S. Bank Visa® Platinum Card offers the lowest interest after a 0% APR intro period. With interest rates as low as 10%, this card is a great choice. In addition, get standard benefits like auto rental insurance, fraud protection and more. This card has no annual fee.

Things to Consider

While some cardholders will get a 10% APR, not everyone will. This card offers APRs from 10.74% - 22.74% Variable. If you have excellent credit, you will get the best rates available. Less creditworthy applicants will see higher interest rates.

Our Verdict

Carrying a balance on a credit card is not a good financial decision as it is often very expensive. If you do find yourself carrying a balance from month to month however, you’ll want the lowest interest rates possible. The U.S. Bank Visa® Platinum Card has a great 0% APR period for 15 months. After that, this card has a low interest rate. It might even be the best card for your needs available today.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing 0% APR credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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