Best 0% APR credit cards of November 2023



Paying your credit card bill in full every month is a worthy goal, but some situations can make it more challenging. Whether you’re planning for a large expense, such as a move or a wedding, or you’ve been hit with medical bills or other emergency expenses, a 0% APR credit card can help you avoid costly credit card debt. 

The best 0% APR credit cards offer long introductory APR promotional periods, giving you more than a year to pay down your purchases. Depending on your circumstances, you could ultimately save hundreds of dollars on interest.

That said, it can be overwhelming trying to find the best credit card for you among hundreds of options. To help you narrow down the best options, the Fortune RecommendsTM team evaluated more than 30 0% APR credit cards available today and ranked them based on factors such as introductory period, annual percentage rate (APR), rewards structure, consumer benefits, and more. Read on to see our top picks.

See our full methodology here.

All interest rates, terms, and fees are subject to change.

Best 0% APR credit cards

Best overall 0% APR card (tie): Wells Fargo Reflect Card

The Wells Fargo Reflect® Card gives you nearly two years to pay off your purchases, making it a solid choice if you have significant upcoming expenses, and your monthly budget would make it difficult to pay off the balance sooner. 

Key numbers
0% APR Term 21 months
Balance transfer fee 5%
Regular APR 18.24%, 24.74% or 29.99%

Why we like this card : The Wells Fargo Reflect® Card offers an incredibly long 0% APR promotion for both purchases and balance transfers made within the first 120 days from account opening. As a new cardholder, you’ll get a 0% interest rate for 21 months, after which the variable APR is 18.24%, 24.74% or 29.99% based on your creditworthiness. You’ll be hard-pressed to find a card with a longer interest rate promotion.

The card also offers some other valuable benefits, including up to $600 in cell phone insurance, which protects you against damage and theft when you use your card to pay your phone bill. While the card doesn’t offer rewards on your everyday purchases, you can earn cash back with select merchants through the My Wells Fargo Deals program.

For more information check out our full review.

Pros

  • Exceptionally long 0% APR period
  • No annual fee
  • Cell phone insurance

Cons

  • Does not earn rewards
  • No welcome bonus
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 3%
  • Rewards: N/A
  • Additional perks and benefits: Cell phone protection, My Wells Fargo Deals, roadside dispatch, free FICO score

Best overall 0% APR card (tie): U.S. Bank Visa Platinum Card

The U.S. Bank Visa® Platinum Card is another excellent choice if you’re looking to extend your interest savings for as long as possible.

Key Numbers
0% APR Term 21 months
Balance transfer fee 3%
Regular APR 18.74%-29.74%

Why we like this card: The U.S. Bank Visa® Platinum Card provides an equally long 0% APR promotion as the Wells Fargo Reflect® Card. Once you’re approved, you can enjoy no interest on purchases and balance transfers for 21 billing cycles (which is the same as months). After that, the ongoing variable APR ranges from 18.74% to 29.74%, depending on your creditworthiness.

In exchange for a long introductory APR promotion, the card doesn’t offer rewards, but it does offer some value after the promotional period ends. Most notably, you’ll get up to a $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your card.

Pros

  • Exceptionally long 0% APR period
  • No annual fee
  • Cell phone insurance

Cons

  • Does not earn rewards
  • No welcome bonus
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 3%
  • Rewards: N/A
  • Additional perks and benefits: Cell phone protection, Pay over time with a U.S. Bank ExtendPay® Plan

For more information check out our full review.

Best for post-intro APR: BankAmericard credit card

If you have great credit and anticipate carrying a balance after the initial 0% APR period, you may be able to get both an introductory 0% APR and a relatively low ongoing interest rate after the promotional period ends with the BankAmericard® credit card.

Key numbers
Intro APR period 18 months
Balance transfer fee 3%
Regular APR 16.24%-26.24%

Why we like this card : With the BankAmericard® credit card, you’ll get a long introductory 0% APR promotion, with no interest for the first 18 billing cycles on purchases, as well as balance transfers made within 60 days of opening your account. After that, your variable APR will be between 16.24% and 26.24% based on your creditworthiness. The card also doesn’t charge a penalty APR.

There aren’t many other notable features, but the card does offer access to your FICO credit score for free. Also, if you have a Bank of America checking account, you can link your card and use it for optional overdraft protection.

Pros

  • Competitive 0% APR promotional term
  • No annual fee
  • No penalty APR

Cons

  • Does not earn rewards
  • No welcome bonus
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 3%
  • Rewards: N/A
  • Additional perks and benefits: Free FICO score, Balance Connect® for overdraft protection

For more information check out our full review.

Best for cash back: Chase Freedom Flex

The Chase Freedom Flex℠ is an excellent choice for people who want to combine the value of a 0% introductory APR promotion and a great rewards program. In particular, it’s worth considering if you like the idea of maximizing your cash back on a variety of spending categories.

Key numbers
0% APR term 0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)
Balance transfer fee $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Why we like this card: The Chase Freedom Flex℠ offers a solid introductory 0% APR for the first 15 months on both purchases and balance transfers. After that, a variable APR is 20.49%–29.24% Variable.

As a new cardholder, you’ll also earn a $200 cash bonus after spending $500 on purchases within your first three months

Additionally, you’ll earn cash back on every dollar you spend. Here’s what to expect:

  • 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on dining (including restaurants, takeout and eligible delivery services)
  • 3% cash back on drugstore purchases
  • 1% cash back on all other purchases
  • 5% cash back on Lyft rides (through March 2025)

Pros

  • Earns up to 5% cash back
  • Valuable welcome bonus
  • No annual fee

Cons

  • Must activate bonus categories every quarter
  • 5% categories are capped
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars
  • Rewards: 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent), as well as on travel purchased through Chase Ultimate Rewards, 5% cash back on Lyft rides (through March 2025), 3% cash back on dining (including restaurants, takeout and eligible delivery services) and drugstore purchases, 1% cash back on all other purchases.
  • Additional perks and benefits: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary three-month Doordash and Instacart+ membership.

For more information check out our full review.

Best for flat-rate cash back: Chase Freedom Unlimited

If you want to earn cash back and prefer a simple rewards structure, the Chase Freedom Unlimited® should be on your radar.

Key numbers
0% APR term 0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)
Balance transfer fee 0% intro balance transfer APR for 15 months (intro balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days)

Why we like this card: The Chase Freedom Unlimited® offers a generous introductory 0% APR on both purchases and balance transfers for the first 15 months. After that, an APR of 20.49%–29.24% Variable applies. 

The Chase Freedom Unlimited® doesn’t offer the same 5% cash back on rotating categories as the Freedom Flex®, but it does offer a higher base rewards rate, and all other rewards rates are the same: 

  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on dining (including takeout and eligible delivery service)
  • 3% cash back on drugstore purchases
  • 1.5% cash back on all eligible purchases
  • 5% cash back on Lyft purchases (through March 2025)

In addition to the 0% APR promotion, new cardholders can earn a an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). Other card perks include consumer and travel protections, such as purchase protection, trip cancellation and interruption insurance and rental car coverage. You’ll also enjoy a complimentary three-month membership to both DoorDash DashPass and Instacart+.

Pros

  • Sizable welcome bonus
  • Earns a minimum of 1.5% cash back
  • No annual fee

Cons

  • Foreign transaction fee
  • Other flat-rate rewards cards offer a higher base rate

Card details 

  • Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars
  • Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards, 5% cash back on Lyft purchases (through March 2025), 3% cash back on dining (including takeout and eligible delivery service), 1.5% cash back on all eligible purchases.
  • Additional perks and benefits: Purchase protection, extended warranty protection, trip cancellation/interruption insurance, auto rental collision damage waiver, complimentary three-month DashPass and Instacart+ membership

For more information check out our full review.

Best for first-year earnings: Discover it Cash Back

The Discover it® Cash Back offers a value proposition similar to the Chase Freedom Flex®, giving cardholders a chance to maximize rewards on several spending categories throughout the year. What’s more, the card’s welcome offer has significant upside potential.

Key numbers
0% APR term 0% introductory APR for 15 months from account opening (after that, the variable APR will be 17.24%–28.24%)
Balance transfer fee 3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer.

Why we like this card: The Discover it® Cash Back offers a competitive 0% introductory APR promotion, with no interest for 15 months on purchases and balance transfers. After the promotional period expires, your variable APR will be between 17.24%–28.24%, depending on your creditworthiness. 

The card also offers 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. All other purchases will net you 1% back.

What makes the card stand out, however, is its unique welcome offer. Instead of giving you a set cash bonus after you meet a certain spending requirement, Discover will match all the cash back you earn during the first year—and there’s no limit to how much extra cash back you can earn.

As a cardholder, you’ll also get free access to your FICO score, and Discover will help you protect your identity by removing your information from select people-search websites that could sell your data and alerting you when your Social Security number is found on any of thousands of dark web sites.

Pros

  • Competitive rewards rate
  • Unique welcome bonus
  • No annual fee

Cons

  • Bonus categories are capped
  • Must register for bonus categories every quarter
  • Discover is not as widely accepted overseas as other networks

Card details 

  • Foreign transaction fee: None
  • Rewards: 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, 1% back on all other purchases 
  • Additional perks and benefits: Free FICO score access, Social Security number alerts, online privacy protection

For more information check out our full review.

Best for flexible rewards: Bank of America Customized Cash Rewards Card

The Bank of America® Customized Cash Rewards credit card can be a great choice for people who are looking for more control over how they earn their cash-back rewards. The card allows you to pick your top bonus rewards category from a list of eligible options.

Key numbers
0% APR term 0% intro APR for 15 billing cycles for purchases
Balance transfer fee 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies
Regular APR 18.24%–28.24% variable

Why we like this card:  With the Bank of America Customized Cash credit card, you’ll enjoy an introductory 0% APR on purchases and balance transfers for 15 billing cycles, after which the variable APR ranges from 18.24% to 28.24%. You’ll also get an online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days.

What makes the card really shine, though, is its customizable rewards. More specifically, you can earn 3% cash back on the category of your choice from the following list of options: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You can change your category once a month or leave it as is.

Additionally, you’ll receive 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. Just keep in mind that your bonus rewards are capped at $2,500 in combined purchases each quarter in the 3% and 2% categories. After that, you’ll earn 1% on all purchases. If you’re a Preferred Rewards member, though, you can earn 25% to 75% more cash back on every purchase.

Pros

  • Competitive rewards rates
  • Welcome bonus
  • No annual fee

Cons

  • Bonus categories are capped
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 3%
  • Rewards: 3% cash back in the category of your choice from a list of options, 2% cash back at grocery stores and wholesale clubs, 1% cash back on all other purchases. (3% and 2% cash back is earned on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.) 
  • Additional perks and benefits: Free FICO score, Balance Connect® for overdraft protection

For more information check out our full review.

Best for travel rewards: Capital One VentureOne Rewards Card 

The Capital One VentureOne Rewards Credit Card may be worth considering if you want to focus your efforts on earning travel rewards and you don’t want a complicated rewards structure.

Key numbers
0% APR term 0% intro APR on purchases for 15 months (after that, the variable APR will be 19.99%–29.99%)
Balance transfer fee 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open

Why we like this card:  The Capital One VentureOne Rewards Credit Card offers an impressive 0% APR on purchases and balance transfers for 15 months. After that, the APR rises to 19.99%–29.99% variable. 

As a new cardholder, you’ll also earn 20,000 miles after spending $500 on purchases within 3 months from account opening Additionally, you’ll earn 5x miles on hotels and rental cars booked through Capital One Travel and 1.25x miles on every other purchase.

When it’s time to redeem your travel rewards, you’ll get maximum flexibility. Options include booking through Capital One Travel and paying with miles, covering travel purchases using your miles or transferring your miles to one of several airline and hotel rewards programs. 

The card also offers some other perks, including travel accident insurance, rental car coverage and exclusive access to live events and dining experiences.

Pros

  • Flexible travel rewards
  • No annual fee
  • No foreign transaction fee

Cons

  • Maximizing travel partners requires a learning curve
  • Cash redemption value is limited

Card details 

  • Foreign transaction fee: None
  • Rewards: 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on all other purchases. 
  • Additional perks and benefits: Travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

For more information check out our full review.

Best for frequent purchases: Amex EveryDay

The Amex EveryDay® Credit Card from American Express can be a great option for people who tend to use their one credit card for all of their everyday spending.

Key numbers
Intro APR Term 15 months
Balance transfer fee Either $5 or 3% of the amount of each transfer, whichever is greater
Regular purchase APR 17.99%–28.99% variable

Why we like this card: The Amex EveryDay® Credit Card offers new cardholders a 0% APR promotion on both purchases and balance transfers for 15 months, after which the APR jumps to 17.99%–28.99% variable, depending on creditworthiness. You can also earn 10,000 points if you spend $1,000 in first 3 months (Terms apply). 

On an ongoing basis, you’ll earn 2X points per dollar on U.S. supermarket purchases ($6,000 limit on purchases per year, 1% thereafter), 2 points per dollar on eligible travel purchases through AmexTravel.com and 1X points per dollar on all other purchases. What’s more, you can qualify for a 20% bonus when you make 20+ purchases in a billing cycle.

Like the Capital One VentureOne Rewards Credit Card, this one allows you to transfer the Membership Rewards points you earn to various airline and hotel rewards programs, among other redemption options. You’ll also get car rental loss and damage insurance.

Pros

  • Up to 2X on spending
  • Unique bonus for frequent usage
  • No annual fee

Cons

  • Some rewards are capped
  • Other cards may provide higher rewards
  • Foreign transaction fee

Card details 

  • Foreign transaction fee: 2.7%
  • Rewards: 2X points per dollar on U.S. supermarket purchases ($6,000 limit on purchases per year, 1% thereafter), 2 points per dollar on eligible travel purchases through AmexTravel.com and 1X points per dollar on all other purchases.
  • Additional perks and benefits: Car rental loss and damage insurance

For more information check out our full review.

What is a 0% APR promotion?

Normally, credit cards won’t charge interest on your balance as long as you pay it in full every month. If you carry a balance to the next month, you’ll not only be charged interest on the amount you still owe but you’ll also lose your grace period on new purchases until you pay it in full. 

For situations where you anticipate carrying a balance on a single large purchase or several smaller ones, a credit card with an introductory 0% APR promotion can help. These promotions typically give a new cardholder between 12 and 21 months after account opening to avoid interest charges on their purchases.

Once the promotional period ends, the card’s regular APR will kick in. If you still have a balance at that point, the standard APR will only apply to the remainder of that unpaid balance. You can contrast this feature to deferred interest offers—common with retail promotional financing offers—which may charge you interest retroactively if you don’t pay off your original purchase in full by the end of the promotional period. 

Additionally, many 0% APR credit cards offer no-interest promotions on balance transfers. 

How do I qualify for a 0% APR credit card?

For the most part, 0% APR credit cards require good or excellent credit to get approved. According to FICO, that means having a credit score of 670 or above, but each card issuer has its own criteria for determining what qualifies, so meeting that threshold doesn’t guarantee approval.

If you’re thinking about applying for a 0% APR credit card, check your credit score first to get an idea of where you stand and whether you need to make some improvements before you proceed. 

Is it possible to lose a 0% APR promotion?

Yes. Zero percent APR offers are typically contingent on your responsible card use. If you miss a payment, for instance, the card issuer may decide to revoke your promotional offer. If this happens, the card’s regular or even penalty APR may apply to your balance until you pay it in full.

When should I use a 0% APR credit card? 

A 0% APR credit card can be a great choice if you have an upcoming expense that you can’t avoid and you’re unable to cover the expense with cash or pay off the balance quickly. Some of the most common uses for a 0% APR credit card include:

  • Emergency expenses
  • Medical bills
  • Wedding expenses
  • Funeral expenses
  • Home renovations
  • Holiday purchases

If your card also offers a 0% APR balance transfer promotion, you can use it to consolidate high-interest credit card debt. 

That said, it’s important to be mindful of your situation and goals when considering a 0% APR credit card. While it’s not necessary to pay your balance in full by the end of the promotional period—you’ll still get the savings from the interest-free period—it’s best to try to pay off the debt before the regular APR kicks in.

So, try to estimate what your expenses will be, then divide that figure by the number of months in your 0% APR promotion to determine how much to pay each month. For example, if you’re planning on spending $3,000 and you have an 18-month 0% APR promotion, you’d have to pay roughly $167 per month to avoid interest charges. 

Frequently Asked Questions 

Does a 0% APR promotion hurt your credit?

On its own, using a 0% APR promotion won’t impact your credit score. However, if you rack up a large balance relative to your account’s credit limit, the resulting high credit utilization rate could negatively affect your credit score until you pay it down.

Additionally, applying for and opening a new credit card will also impact the average length of credit history and new credit aspects of your credit score, which can have a temporary negative impact on your score.

What credit card has the longest 0% interest rate?

The Wells Fargo Reflect® Card and the U.S. Bank Visa® Platinum Card both offer no interest for 21 months, giving you plenty of time to pay off even larger balances.

How many 0% interest cards can I get at once?

You can have as many 0% APR credit cards at the same time as you’d like, as long as you can get approved for them. That said, it’s generally not a good idea to open multiple credit cards within a short period of time.

Applying for and opening multiple credit accounts in quick succession can negatively impact your credit score, and it can also be a red flag for lenders who may wonder if you’re having trouble managing your finances without debt. 

Additionally, using multiple 0% APR credit cards at once can make it more difficult to keep track of your balances and monthly payments, and possibly also make it more challenging to pay off all of your debt before your promotional periods expire. To make things simpler, consider using just one at a time. 

Our methodology 

To bring you our top picks for the 0% APR credit cards, the Fortune Recommends team compared more than 30 balance transfer cards available from major issuers. 

We ranked each account in these six core categories: 

  • Introductory 0% APR for purchases term (45%): The most heavily weighted factor in our rankings was the length of time that the introductory 0% APR on purchases lasts.
  • Introductory 0% APR balance transfer term (15%): Since a 0% APR rate on both purchases and balance transfers could help with debt consolidation we also ranked any balance transfer promotional rates. 
  • Post-promotional APR on purchases and balance transfers (10%): To ensure cardholders with an existing balance once the intro period is over aren’t burdened by excessive interest rates, we considered the APR each card charges for balance transfers and purchases after the promo rates end.
  • Rewards (20%): Cards that also provide rewards (such as cash back or points) on spending were given a boost in our rankings.
  • Consumer benefits (10%): Cards were awarded 0–5 points based on which consumer benefits/protections were included: purchase protection, extended warranty, cell phone insurance, car rental coverage, and trip cancellation/interruption insurance.

Keep in mind that the interest rates, balance transfer terms, and fee structures for the cards mentioned are available for limited periods and subject to change. 


Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.



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