0% APR
Best 0% APR Credit Cards of October 2024
Finding the best 0% APR credit cards can be a game-changer for managing your finances effectively. Whether you’re looking to make a significant purchase, consolidate existing debt, or save on interest payments, a 0% APR card offers a valuable opportunity to do so without incurring additional costs during the introductory period. In 2024, several credit cards stand out for their generous promotional periods, low fees, and added benefits.
Our comprehensive review highlights the top choices, providing detailed insights to help you make an informed decision. We’ve meticulously evaluated a wide range of 0% APR credit cards available this month. We focus on key factors such as the length of the introductory period, regular APR after the promotional phase, fees, and overall benefits to ensure you get the best value. Transparency and objectivity are at the core of our review process, as we prioritize your financial security above all.
Dive into our top picks for 2024 to discover which 0% APR credit card aligns best with your financial goals and needs.
Our Top Recommendations Based on Your Preferences
BEST FOR LONG INTRO APR
Wells Fargo Reflect® Card
Our Rating:
4.2
Intro bonus
No current offer
0% intro APR purchase period
0% intro APR for 21 months from account opening
0% Intro APR Balance Transfer Period
$0
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- 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.
BEST FOR CELLPHONE PROTECTION
Wells Fargo Active Cash® Card
Our Rating:
4.1
Intro bonus
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
0% intro APR purchase period
0% intro APR for 15 months from account opening
0% Intro APR Balance Transfer Period
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
BEST FOR EVERYDAY SPENDING
Blue Cash Everyday® Card from American Express
Our Rating:
4.8
Intro bonus
Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, 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.
BEST FOR ROTATING CATEGORY REWARDS
Discover it® Cash Back
Our Rating:
4.6
Intro bonus
Cashback Match
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.
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
17.24% - 28.24% variable
at Discover's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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—automatically.
- Redeem your rewards for cash at any time.
- 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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
BEST FOR DINING PURCHASES
Capital One SavorOne Cash Rewards Credit Card
Our Rating:
4.9
Intro bonus
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
BEST FOR INTRO APR ON PURCHASES + CASH BACK
Citi Custom Cash® Card
Our Rating:
4.5
Intro bonus
$200
Earn $200 in cash back after you spend $1500 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 purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
19.24% - 29.24% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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 19.24% - 29.24%, 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 6/30/2025.
- 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.
BEST FOR EVERYDAY HOUSEHOLD SPENDING
Blue Cash Preferred® Card from American Express
Our Rating:
4.6
Intro bonus
Earn $250
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
0% intro APR purchase period
12 months
0% Intro APR Balance Transfer Period
12 months
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- 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 Preferred® Card. Enrollment required.
- Terms Apply.
BEST FOR TIERED CASH BACK
Chase Freedom Unlimited®
Our Rating:
5.0
Intro bonus
Up to $300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
20.49% - 29.24% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
BEST UNLIMITED CASH BACK FOR PREFERRED REWARDS MEMBERS
Bank of America® Unlimited Cash Rewards credit card
Our Rating:
3.8
Intro bonus
$200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
0% intro APR purchase period
0% Intro APR for 15 billing cycles for purchases
0% Intro APR Balance Transfer Period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 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 19.24% - 29.24% 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%.
- 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.
BEST FOR NO ANNUAL FEE
Capital One Quicksilver Cash Rewards Credit Card
Our Rating:
3.7
Intro bonus
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
0% intro APR purchase period
15 months
0% Intro APR Balance Transfer Period
15 months
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
BEST FOR BUSINESS OWNERS
Ink Business Unlimited® Credit Card
Our Rating:
4.0
Intro bonus
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
0% intro APR purchase period
12 months
0% Intro APR Balance Transfer Period
Intro offer only applies to purchases
Regular APR
18.49% - 24.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
BEST FOR FLEXIBLE CASH BACK CATEGORIES
Bank of America® Customized Cash Rewards credit card
Our Rating:
4.4
Intro bonus
$200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
0% intro APR purchase period
0% Intro APR for 15 billing cycles for purchases
0% Intro APR Balance Transfer Period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 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 19.24% - 29.24% 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%.
- 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.
Best 0% Apr Credit Cards - FAQ's
A 0% APR credit card offers no interest on purchases, balance transfers, or both for a specified introductory period. This period can range from a few months to over a year, allowing cardholders to pay off their balances without incurring interest charges.
Once the 0% APR period ends, the interest rate will revert to the card’s standard APR, which can vary widely. To avoid paying high-interest charges, paying off as much of your balance as possible before this period ends is important.
While 0% APR cards often do not charge interest during the introductory period, they may still have other fees, such as balance transfers, late payments, or foreign transaction fees. Review the card’s fee schedule to understand all potential costs.
Our Methodology And Research
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Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.