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Bankrate has partnerships with issuers including, but not limited to,
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At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
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Travel reward credit cards and 0 percent introductory APRs on purchases and balance transfers don’t often co-exist. Having travel rewards and 0 percent APR are incredible perks on their own, but when you combine the two, you have a credit card with potential for substantial savings while traveling.
The best travel rewards credit cards make it possible to significantly save on travel-related expenses, while 0 percent introductory APR offers save you money on costly interest charges. Both of these benefits can make a huge difference with your budget, especially during times of economic uncertainty.
Top travel cards with 0% introductory APR offers
We picked the following credit cards and found our list of top contenders, each of which offer at least 12 months of a 0 percent intro APR on purchases or balance transfers, plus earn high rates of travel rewards.
*The information about the Wells Fargo Autograph® Card has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% intro APR for 12 months from account opening
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Intro offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
Rewards rate
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. , Earn 1X points on other purchases
1X - 3X
Reward Details
3XEarn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
1XEarn 1X points on other purchases
Bankrate’s view
The Wells Fargo Autograph Card not only has a lengthy intro APR offer, but it also earns 3X points on restaurant, travel, gas station, transit, phone plans and streaming purchases, and 1X points for all other purchases. Points are worth around 1.0 cents each, according to Bankrate valuations, which means 3 cents per dollar for the bonus categories. With no annual fee, it’s a low-cost card with which you can rack up serious rewards quickly.
Pros
You’ll earn points on more everyday spending categories than many competing cards.
Visa Signature® status offers additional features not commonly found on no-annual-fee cards.
The welcome bonus and intro APR on purchases offer solid value for a no-annual-fee card.
Cons
Unlike other flexible travel cards, there’s no additional incentive to redeem points for travel.
The card’s travel perks don’t match up to rival travel rewards cards.
You can find lengthier intro APR offers on both purchases and balance transfers on other no-annual-fee cards.
Best for purchases and balance transfers
Capital One VentureOne Rewards Credit Card
*The information about the Capital One VentureOne Rewards Credit Card has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
3.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
19.24% - 29.24% (Variable)
Intro offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn 20,000 miles
Rewards rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options, Earn unlimited 1.25X miles on every purchase, every day
1.25 - 5X
Reward Details
5XEarn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
1.25Earn unlimited 1.25X miles on every purchase, every day
Bankrate’s view
The Capital One VentureOne Rewards Credit Card offers an intro APR on purchases and balance transfers, giving you even more options with the card. Each balance transfer made within the first 15 months from account opening comes with a 3 percent balance transfer fee. After that, a 4 percent balance transfer fee applies at a promotional APR that Capital One may offer you at any other time.
Plus, the fact that it has no annual fee makes it a low-cost travel rewards card. You can earn a decent amount of travel rewards too, with a 5X miles on hotel and rental cars booked through Capital One Travel, and 1.25X miles for all other purchases.
Pros
You can transfer miles to travel partners to potentially increase your miles’ value.
The intro APR offer on purchases and balance transfers gives you time to save money on large purchases or existing debt.
The card includes a reasonable welcome bonus, which can go pretty far if redeemed for travel.
Cons
It has no big-ticket travel perks commonly found on some travel cards, such as trip cancellation and interruption insurance.
The flat rewards rate is lower than the typical 1.5X rewards seen on most competing flat-rate cards, and your miles are worth less when redeemed on anything other than travel.
You’ll need a good to excellent (670 to 850) credit score for approval, which limits VentureOne’s accessibility as a starter travel card.
*The information about the Discover it® Miles has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
3.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% Intro APR for 15 months
Regular APR
18.24% - 27.24% Variable APR
Intro offer
Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
Discover Match®
Rewards rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
1.5X
Reward Details
1.5XAutomatically earn unlimited 1.5x Miles on every dollar of every purchase.
Bankrate’s view
The Discover it Miles credit card offers a flat-rate, unlimited 1.5 miles for every dollar spent, without an annual fee. Plus, you can enjoy an intro APR on both purchases and balance transfers. With the flat-rate earnings, it acts more like a cash back card than a traditional travel rewards, since you don’t have to keep up with any bonus or rotating categories, which may appeal to people who want an uncomplicated rewards structure.
Plus, Discover has one of the best welcome bonuses on the market with its Discover Match, which doubles all of the miles you earn within the first year of card ownership, making it particularly strong for large purchases like vacation bookings.
Pros
Because there is no annual fee, there’s no cost to carry this card.
It offers unlimited, flat-rate miles and remarkable redemption flexibility for travel purchases.
You have the option to redeem miles for cash back at a 1:1 rate, so none of the reward’s value is lost.
Cons
You can’t transfer its reward miles to airline frequent-flier programs, which limits your travel redemption options.
The Discover credit card network has fewer international acceptance partners and perks compared to Visa and Mastercard.
The card lacks some travel benefits found on other no-annual-fee travel cards, like trip interruption insurance.
*The information about the Citi Custom Cash® Card has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% for 15 months on purchases
Regular APR
18.24% - 28.24% (Variable)
Intro offer
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.
$200
Rewards rate
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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. Earn unlimited 1% cash back on all other purchases.
1% - 5%
Reward Details
5%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.
4%Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
1%Earn unlimited 1% cash back on all other purchases.
Bankrate’s view
The Citi Custom Cash Card is a general cash back card, but it earns up to 5 percent cash back on select categories, which includes airlines, hotel and cruise purchases. You automatically earn 5 percent in your top spending category each billing cycle (on up to $500 in purchases a cycle, then 1 percent), so if travel happens to be your top category, then it rivals the earning potential of other travel rewards cards.
Currently, the Citi ThankYou points vary in value, depending on how you redeem them. Basic points are worth 1.0 cents each, but if you pool your points with other eligible Citi travel cards, you may be able to boost the value to around 1.6 cents each through high-value Citi transfer partners, according to Bankrate’s valuations.
Pros
It could offer the highest year-round rewards rate available from a no-annual-fee card on several of its potential categories.
There’s no need to activate bonuses or keep track of spending, since the top rate is automatically applied each billing cycle to the highest category.
It can pool rewards with other eligible Citi cards, making it an excellent partner for other Citi cards that earn ThankYou points.
Cons
The elevated bonus category has a relatively low reward spending cap for each billing cycle, which can reduce your earning potential if you spend heavily in one category or have authorized users sharing the account.
You only earn elevated cash back in one category each billing cycle, so you may not earn as many rewards as you would with rival cards.
If this is your sole rewards card, you may only earn a boosted rewards rate on higher-expense categories like groceries or dining.
Best for lengthy intro APR offer
Bank of America® Customized Cash Rewards credit card
*The information about the Bank of America® Customized Cash Rewards credit card has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Purchase intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200
Rewards rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
1% - 3%
Reward Details
3%Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%Earn unlimited 1% on all other purchases.
Bankrate’s view
With the Bank of America Customized Cash Rewards credit card, you can customize the category you earn the maximum 3 percent cash back in — and travel purchases are one of these categories. You earn 2 percent cash back at grocery stores and wholesale clubs plus 1 percent on all other purchases (up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent).
But the best part may be the intro APR for both purchases and balance transfers, and it's one of the longer options available.
Pros
You can swap your highest-earning category once per calendar month, adding to the power you have to match your rewards to your spending.
Bank of America Preferred Rewards® members can earn up to 75 percent more cash back on all purchases.
The card offers a generous intro APR period on purchases and balance transfers, so it’s a great fit if you need to finance a purchase or pay off debt.
Cons
Your earnings might be limited by the quarterly spending cap.
Rival cards have potentially higher welcome offers or lower spending requirements.
This card has few noteworthy benefits other than the rewards program.
5% cash back on purchases in your top eligible spend category each billing cycle (on up to the first $500 spent, then 1% cash back)
4% cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal (through June 30, 2026)
1% cash back on all other purchases
0% for 15 months on purchases and 0% for 15 months on balance transfers (Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum., 18.24% - 28.24% (Variable) ongoing APR)
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
The 3% and 2% categories have a combined cap of up to $2,500 in quarterly purchases
0% Intro APR for 15 billing cycles for purchases, 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. (Followed by a 18.24% - 28.24% Variable APR on purchases and balance transfers)
670 – 850
How to choose the best 0% APR travel credit card
Finding the right 0 percent APR travel credit card may be easier than finding your next travel destination. To make it as simple as possible, try comparing several different cards and consider what’s most meaningful to you as a cardholder. Here are some steps that can help you get started:
Find out how long you need a break from interest
Find the time period is for each potential card’s 0 percent intro APR offer and whether it applies to purchases, balance transfers or both. Is the time period long enough for you to accomplish your financial goal?
For example, if you have a large purchase to make, then 12 months may be ample time to make monthly payments and pay the entire balance. Or you may need a longer period to consolidate and pay down a balance transfer from a high-interest credit card.
Decide whether you’re willing to pay an annual fee
Some credit cards have no annual fee, while others may charge several hundred dollars per year simply to carry the card. However, higher annual fees typically mean a more robust rewards program and other benefits — such as an attractive welcome offer — which can offset the cost of the annual fee if used wisely.
Compare each card’s ongoing APRs
The ongoing APR is the interest applied to your credit card once the promotional zero-interest rate is over. This rate is actually set when you open the account, even if it’s not in effect for several months. Keep in mind that many credit card issuers use a variable APR instead of a fixed one, which means the rate is subject to change.
Learn what each card’s travel rewards are worth
You’ll want to know how much the travel rewards are worth when you redeem them. The value of the points or miles depends not only on the rewards program you’re enrolled in, but also how you redeem them. For example, Wells Fargo points are worth 1.0 cents each on average and are typically only redeemable for cash back. On the other hand, Capital One miles are worth an average of 1.7 cents each and can vary based on the travel partner you transfer them to.
How to calculate your points and miles value
You can calculate the points and miles value of a reward by dividing the cost of the travel in cash (such as the hotel room or flight) by the cost in points or miles. For instance, if you find a flight that costs $300, or 25,000 points, then the value of the points for this flight would be 1.2 cents per point ($300 ÷ 25,000 = 0.012, or 1.2 cents).
Once you’ve estimated the general value, you can compare it to the rewards points values listed with Bankrate, to see if the value is equal or better than the standard. Bear in mind the value of your points or miles depends not only on the program you’re enrolled in, but also what you’re booking.
How to make the most of your zero-interest period
If your travel rewards card does offer a zero-interest period, there are ways to maximize the benefit, including:
Don’t miss a payment due date: Most often the zero-interest offer is canceled if you miss a payment and the APR reverts to the ongoing APR, resulting in costly interest charges. This usually applies even if you miss the payment by a day, so set a reminder to pay before the due date.
Pay off a balance transfer before the period is over: If the zero-interest applies to a balance transfer, your best approach is to pay the entire balance before the end of the promotional period. Usually, whatever balance remains once the time period ends is subject to the ongoing APR interest. Set a reminder in your calendar and pay off the entire balance before the end date.
Make and stick to a budget: It’s important to stay on top of the monthly payments for the zero-interest card and make it a part of your ongoing budget that you plan for each month. Paying less than the minimum amount due may forfeit the zero-interest.
Know your credit card’s ongoing APR: The ongoing APR is the interest rate you can expect to pay once your card reverts from its promotional APR. If you think you may carry a balance on the card or will have a remainder after a balance transfer, then look for a card with as low of an ongoing APR as possible.
While earning travel rewards with a credit card and taking advantage of a 0 percent introductory APR may not seem likely, it’s actually quite doable with several credit card options. It’s beneficial to you to compare multiple cards, so you can see which one suits your financial needs the most. If you take advantage of the zero-interest period and maximize your potential travel rewards, you could end up with significant savings.
*Information about the Citi Custom Cash® Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.
The Bank of America content in this post was last updated on April 25, 2025.
Frequently asked questions about travel cards with 0% intro APRs
The right credit card for you will depend on your spending habits and the perks that matter most to you. Travel cards are great for people who know they want to redeem rewards for travel expenses or want perks like elite status, free checked bags, free hotel stays or airport lounge access. Cash back cards can be simpler to use and offer more flexibility than travel cards, especially If you don’t travel often enough to justify that type of card.
Many cardholders with travel cards earn boosted rewards by booking travel through issuer travel portals. Other top categories related to everyday spending include groceries, dining and gas, but it varies by card. Cardholders need to decide which cards offer the best chance to earn top rates in their favorite categories.
Cash back redemption options include direct deposit into a checking account, mailed checks, statement credits or gift cards, then put it toward travel you’ve already paid for. Travel credit card redemption options can cover purchases including airfare, hotel stays, transit and more. Rewards might be tied to specific airline or hotel chains, or they may be general rewards redeemable for a wide range of travel.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Coleman, S., & Wilson, B.J. (2025, April 25). Best travel credit cards with 0% intro APRs. Bankrate. Retrieved May 06, 2025, from https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/
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MLA:
Coleman, Sara & Benét J. Wilson. "Best travel credit cards with 0% intro APRs." Bankrate. 25 April 2025, https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/.
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Chicago:
Coleman, Sara & Benét J. Wilson. "Best travel credit cards with 0% intro APRs." Bankrate. April 25, 2025. https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/.
We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Coleman, S., & Wilson, B.J. (2025, April 25). Best travel credit cards with 0% intro APRs. Bankrate. Retrieved May 06, 2025, from https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/
Copied to clipboard!
MLA:
Coleman, Sara & Benét J. Wilson. "Best travel credit cards with 0% intro APRs." Bankrate. 25 April 2025, https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/.
Copied to clipboard!
Chicago:
Coleman, Sara & Benét J. Wilson. "Best travel credit cards with 0% intro APRs." Bankrate. April 25, 2025. https://www.bankrate.com/credit-cards/zero-interest/best-travel-cards-with-0-apr/.