Updated on Jan 6, 2020

Best 0% Interest Credit Cards

Enjoy a credit card that offers months of 0% interest.
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The best 0% interest credit cards will save you the most money in the short term. A card with a long 0% intro APR period can help you buy that expensive item you’ve been wanting or allow you to pay down credit card debt with a balance transfer. We think you’ll love our top picks for the best 0% interest credit cards.

Summary

Best 0% Interest Credit Cards of 2019

Apply Now on Capital One's secure website.

Best for no annual fee

Capital One® Quicksilver® Cash Rewards Credit Card

Reward details Unlimited 1.5% cash back on all purchases
Redeem for... Cash back

Current Offer $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • One-time $150 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
  • 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 for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.49% - 25.49% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

If you have excellent credit, and you’re looking for a card with an introductory 0% interest on purchases or balance transfers for 14 months (after that an ongoing APR of 15.49% - 25.49% (Variable) APR), the Capital One® Quicksilver® Cash Rewards Credit Card may be an ideal 0% intro APR credit card for you.

How to use it
How to use it: There’s no cap to the amount of rewards you can earn with the Capital One® Quicksilver® Cash Rewards Credit Card, offering unlimited 1.5% cash back on all purchases. With no rotating categories or sign ups needed to earn cash rewards, you’re guaranteed a straight forward rewards structure.
Consider this

  • No balance transfers between Capital One accounts
  • Limited redemption options
  • Potentially high APR after intro period

Why you'll love it

The flat-rate rewards structure that comes with the Capital One® Quicksilver® Cash Rewards Credit Card makes it a trustworthy everyday card that will earn long after the intro APR period.

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Learn More on creditcards.com's secure website.

Best for flexible rewards

Chase Freedom Unlimited®

Reward details Unlimited 1.5% cash back on all purchases.
Redeem for... Cash back

Current Offer $150 bonus
Annual Fee $0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum needed to redeem for cash back
  • Cash Back rewards never expire as long as your account is open
  • Free credit score with Credit Journey℠
  • Issuer: Chase
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.49% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 16.49% - 25.24% Variable
  • Penalty APR: None

Our two cents

Who should get it

Chase Freedom Unlimited® is ideal for cardholders who value flexibility with 1.5% cash back on all purchases and earning points that don’t expire. You don’t have to worry about rotating bonus categories, and there’s room to be flexible with your redemption options.

How to use it
Chase Freedom Unlimited® is great for making big purchases during the first 15 months of a 0% intro APR (then an ongoing 16.49% - 25.24% Variable APR), allowing you to rack up 1.5% cash back and rewards on big-ticket items.
Consider this

  • No category bonus options
  • Foreign transaction fee
  • Assesses a balance transfer fee

Why you'll love it

Chase Freedom Unlimited® ‘s 15-month 0% intro APR offer (then ongoing 16.49% - 25.24% Variable APR) is the right choice for a consumer planning to make a large purchase, while also offering a solid sign up bonus and potential to earn consistent rewards.

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Best for sign up bonus

Discover it® Cash Back

Reward details 5% cash back on purchases in quarterly rotating categories, and 1% cash back on all other purchases.
Redeem for... Cash back

Current Offer Discover matches all the cash back you’ve earned at the end of your first year.
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Issuer: Discover
  • Rewards Details: 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. 1% unlimited cash back on all other purchases - automatically.
  • Annual Fee: $0
  • Balance Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance APR: 26.49% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 13.49% - 24.49% Variable

Our two cents

Who should get it

The Discover it® Cash Back is for anyone with good credit craving an easy-to-earn sign up bonus with no minimum spending requirement and the ability to earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases.

How to use it
With the Discover it® Cash Back, take advantage of the above average 14-month 0% intro-APR period to pay for larger purchases or balance transfers without incurring any interest (after then an ongoing 13.49% - 24.49% Variable APR).
Consider this

  • Limit on how much you can earn
  • Rotating bonus categories require activation
  • Discover isn’t as widely accepted as cards in the Visa or Mastercard network

Why you'll love it

The Discover it® Cash Back offers a high rewards rate that puts money back in your pocket and doesn’t have a spending requirement for its unique sign up bonus, which offers a dollar-for-dollar match at the end of your first year.

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Apply Now on Capital One's secure website.

Best for dining out and events

Capital One® SavorOne® Cash Rewards Credit Card

Reward details 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% on all other purchases.
Redeem for... Cash back

Current Offer $150 cash back after you spend $500 on purchases in the first three months.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • Issuer: Capital One
  • Rewards Details: 3 % Cash Back on dining. 3 % Cash Back on entertainment. 2 % Cash Back at grocery stores. 1 % Cash Back on all other purchases. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.49% - 25.49% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® SavorOne® Cash Rewards Credit Card is designed for anyone who spends a lot of dollars at restaurants and events, and wants to maximize their rewards.

How to use it
With Capital One® SavorOne® Cash Rewards Credit Card , you earn 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% on all other purchases. The long 15-month 0% intro APR period (then a ongoing 15.49% - 25.49% (Variable) APR) gives you plenty of time to take advantage of earning $150 cash back after you spend $500 on purchases in the first three months.
Consider this

  • The 2% earn rate excludes superstores like Walmart and Target
  • Certain entertainment purchases don’t qualify for 3% cash back
  • Potentially high APR after intro period

Why you'll love it

The Capital One® SavorOne® Cash Rewards Credit Card offers serious foodies and entertainers an easy to earn cash back for doing what they love most – dining out and attending entertainment events.

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Apply Now on Capital One's secure website.

Best for travel

Capital One® VentureOne® Rewards Credit Card

Reward details 1.25x miles on every purchase and 0% interest in your first year.
Redeem for... Airline miles

Current Offer A bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that
  • Issuer: Capital One
  • Rewards Details: 1.25 Miles per dollar on every purchase, every day. 20000 Miles once you spend $1,000 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 12 Months
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.49% - 23.49% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® VentureOne® Rewards Credit Card caters to frequent travelers who are planning a big trip and want to take advantage of the card’s 12-month 0% intro APR (then an ongoing 13.49% - 23.49% (Variable) APR) frequent travelers who offer to pay off travel expenses.

How to use it
You’ll be able to earn 1.25x miles on every purchase, while simultaneously avoiding interest charges during the first year of having the Capital One® VentureOne® Rewards Credit Card. Travel when you want with no blackout dates and fly with any airline partner, and vice versa with Capital One’s hotel partners.
Consider this

  • Late payment fee of up to $39
  • Lower reward value with cash back redemption
  • Potentially high APR after intro period

Why you'll love it

With the Capital One® VentureOne® Rewards Credit Card, you’ll get a solid rewards rate that allows you to rack up an unlimited amount of miles that you can eventually transfer to one of more than a dozen Capital One travel partners, and the rewards never expire.

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Partner Offer Learn More on American Express's secure website.

Best for large purchases

Blue Cash Preferred® Card from American Express

Reward details 6% cash back at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit and 1% cash back on all other purchases. Terms Apply.
Redeem for... Cash back

Current Offer $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.
Annual Fee $95 See Rates & Fees
Highlights Provided by American Express Show Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Annual Fee: $95 See Rates & Fees
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.74% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 14.49% - 25.49% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Anyone with a large family or who makes a lot of everyday purchases — such as groceries and gas — will benefit from the perks of the Blue Cash Preferred® Card from American Express, including a period of 0% intro APR for 12 months (after that an ongoing 14.49% - 25.49% Variable See Rates & Fees)

How to use it
Cardholders will also have the opportunity to earn cash back for specific purchases with the Blue Cash Preferred® Card from American Express. You’ll earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit and 1% cash back on all other purchases.
Consider this

Why you'll love it

With the Blue Cash Preferred® Card from American Express, you’ll benefit from 0% intro APR for 12 months (after that an ongoing 14.49% - 25.49% Variable See Rates & Fees APR) when doing balance transfers and making large purchases. The high rewards rate for grocery shopping and gas makes up for its annual fee.

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0% Interest Credit Cards

While a 0% intro APR credit cards does not offer a permanent solution to getting rid of credit card debt, it can help you accomplish several financial goals. With 0% interest credit cards, you can consolidate existing debt or take your time paying off a big purchase over 12 months or more.

A card with a 0% intro APR offer on purchases, balance transfers or both allows you to avoid paying interest for a certain number of months after opening an account. By halting interest charges that come with carrying a credit card balance, a 0% intro APR offer can provide you with a sense of relief while you pay down your debt.

But you’re not alone. The good news is that revolving consumer credit, which includes credit card debt, fell for the second straight month in September 2019 by more than $1 billion, according to the Federal Reserve. That’s the first time that has happened since the summer of 2012, according to Federal Reserve’s historical data.

Credit card debt is much more common than you think, and even the best of us can struggle to pay down a growing balance. The average credit card debt per cardholder — and there are now 148 million of us in the United States — was $5,645 as of August 2019, according to a report by TransUnion.

A temporary solution to credit card debt could be finding the best 0% APR introductory offer for you. This will give you the ability to make payments during a period of time with 0% interest and pay down debt much faster, so it’s important to pick the best 0% interest credit card for you.

Compare 0% interest credit card offers

Credit Card 0% Intro APR-Purchases Annual Fee Regular APR
Best for no annual fee: Capital One® Quicksilver® Cash Rewards Credit Card 15 months $0 15.49% - 25.49% (Variable)
Best for flexible rewards: Chase Freedom Unlimited® 15 months $0 16.49% - 25.24% Variable
Best for sign up bonus: Discover it® Cash Back 14 months $0 13.49% - 24.49% Variable
Best for travel: Capital One® SavorOne® Cash Rewards Credit Card 15 months $0 15.49% - 25.49% (Variable)
Best for no balance transfer fee: Capital One® VentureOne® Rewards Credit Card 12 months $0 13.49% - 23.49% (Variable)
Best for large purchases: Blue Cash Preferred® Card from American Express 12 months $95 See Rates & Fees 14.49% - 25.49% Variable See Rates & Fees

*If balance transfers are requested within 60 days of account opening

What does 0% introductory APR mean?

An APR or annual percentage rate is the percentage of interest you pay over a year when you borrow from a card issuer. A 0% introductory APR offer is a temporary special offer on purchases, balance transfer or both that typically 12-15 months after opening a new credit card account.

The biggest perk of a 0% intro APR offer is avoiding interest charges during the first few months of having a credit card. The 0% intro APR offer typically starts once you’re approved for the credit card and can remain active anywhere between six to 18 months, depending on the duration of the offer and whether you follow the terms of conditions. Once the 0% intro APR offer is over, the credit card’s variable APR rate will kick in.

What is a good APR for a credit card?

Good APRS for credit cards exist and can be easy to come by, but whether you get a “good” APR with your new credit card depends entirely on your own credit score and several other factors out of your control, such as Federal Reserve’s rates.

The national average APR across all credit card accounts reached 15.09% as of the first quarter of 2019 — the highest rate recorded since 1994, according to the Federal Reserve data.

However, you’ll never be charged interest (based on APR variable) if you pay your balance in full from month to month. But if you do carry a balance, the APR will determine how much interest you pay over time. The higher the balance and the longer it’s not paid in full, the more interest you’ll be charged by the card issuer.

Best ways to use a 0% interest credit card

There are several ways to take advantage of a 0% interest credit card, especially during the first several months while your 0% intro APR offer is active. By using a 0% interest credit card, you’ll avoid paying fees over an extended period of time. Here are a few ways to take advantage of your 0% interest credit card:

  • Making a large purchase — Pay for furniture or that shiny new iPhone if the credit card offers a 0% intro APR for purchases.
  • Consolidating debt and balance transfer — It’s common to use a 0% APR card to consolidate debt and transfer a balance from a high-interest card to a card with a 0% intro APR.
  • During emergencies — This can be a short-term way to cover a costly bill that comes unexpectedly. Being able to avoid interest charges during that time could make all the difference.
  • Earning rewards — Take advantage of the fact that you won’t have to pay interest for a certain amount of time, and there’s a lot of rewards potential with credit cards.

What determines the APR on a credit card?

What qualifies as a “good” APR varies and is typically based on several factors, including a benchmark figure called the prime rate, the Federal Reserve’s interest rates, as well as your own credit habits.

Once your account is approved, credit card issuers assign an APR to your account. That rate is influenced by the card issuer’s variable interest for that card. There’s typically a range and you’re assigned a rate within that range, which is influenced by your own payment habits and credit score.

Card issuers also use a term known as “prime rate” to determine what the APR for a customer will be. The prime rate is a lending rate that card issuers offer to customers who have the best credit. The better your credit score and the more consistent you are with paying our credit card balance off and on time, the lower your interest rate will be. It shouldn’t be surprising if the lowest advertised APR for a credit card you apply for isn’t what you get.

Should I close a credit card after the 0% intro APR period end?

There are several things you can do after the 0% period ends that will benefit you further down the road. To start, don’t transfer the remaining balance to a new card. Avoid transferring a balance again if you have debt left over after the period ends because you could be deemed “risky to borrow” by lenders.

Secondly, it’s important to keep the card account open, regardless of whether the debt is paid off. The best thing to do is to pay in full to keep the account active, which in turn helps you build your credit. Remember to never pay late, or you’ll be penalized by the bank either through a late fee or a penalty APR. Lastly, try to create a realistic budget that gets you where you want to go financially.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here

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