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13 Best 0% interest credit cards of November 2024

Updated November 02, 2024

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Showing 14 results

Best longest intro APR card

Wells Fargo Reflect® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

17.74%, 24.24%, or 29.49% Variable APR

Intro offer

N/A

Rewards rate

N/A

Best for flexible spending

Chase Freedom Unlimited®

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

19.99% - 28.74% Variable

Intro offer

Up to $300 cash back

Rewards rate

1.5% - 5%

Why you'll like this: It combines an intro APR with a high base rewards rate and a handful of boosted categories, making it a great standalone option.

Best for dining and entertainment

Capital One Savor Cash Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.74% - 29.74% (Variable)

Intro offer

$250 Cash Back

Rewards rate

1% - 8%

Why you'll like this: Few cards offer such high rewards rates in this many everyday bonus categories at such low cost.

Best for rotating bonus categories

Discover it® Cash Back

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Discover's secure site

See Rates & Fees

Purchase intro APR

0% for 15 months

Regular APR

18.74% - 27.74% Variable APR

Intro offer

Cashback Match

Rewards rate

1% - 5%

Why you'll like this: It blends a generous intro APR and welcome offer with long-term value from high rewards rates and category variety.

Best for business purchases

Ink Business Unlimited® Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 12 Months

Regular APR

17.99% - 23.99% Variable

Intro offer

Earn $900 bonus cash back

Rewards rate

1.5%

Why you'll like this: You’ll earn valuable Chase points at a great flat rate and can free up cash flow with its intro APR offer (not always a given on business cards).

Best for commuters

Citi Custom Cash® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Citi's secure site

See Rates & Fees

Purchase intro APR

0% for 15 months on purchases

Regular APR

18.74% - 28.74% (Variable)

Intro offer

$200

Rewards rate

1% - 5%

Why you'll like this: Its top rewards rate adapts to match your spending, giving you a shot at one of the best rates available in several popular categories.

Best for travel

Capital One VentureOne Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.74% - 29.74% (Variable)

Intro offer

20,000 miles

Rewards rate

1.25 Miles - 5 Miles

Why you'll like this: It's one of the only no-annual-fee travel cards that offers an intro APR and lets you transfer miles to airline and hotel partners.

Best for families

Blue Cash Preferred® Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 12 months

APR

18.74%-29.74% Variable

Intro offer

Earn $250

Rewards rate

1% - 6%

Why you'll like this: It combines the best rewards rate available at U.S. supermarkets with strong rates and credits for other common purchases.

Best for everyday use

Blue Cash Everyday® Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

18.74%-29.74% Variable

Intro offer

Earn $200

Rewards rate

1% - 3%

Why you'll like this: It has great short- and long-term value since it offers both an intro APR and rewards on everyday spending.

Best for Bank of America customers

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Intro offer

$200

Rewards rate

1.5%

Why you'll like this: Thanks to the Preferred Rewards Program, this can be one the most lucrative flat-rate cash back cards available.

Best for simplicity

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.74% - 29.74% (Variable)

Intro offer

$200

Rewards rate

1.5% - 5%

Why you'll like this: Its streamlined rewards and solid intro APR offer make it a good starter cash back card.

Best for flat-rate rewards

Wells Fargo Active Cash® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Purchase intro APR

0% intro APR for 12 months from account opening

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro offer

$200 cash rewards

Rewards rate

2%

Best for shopping

Bank of America® Customized Cash Rewards credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Intro offer

$200

Rewards Rate

1% - 3%

Annual fee

$0

Regular APR

18.74% - 28.74% Variable APR on purchases and balance transfers

Why you'll like this: It’s an ultra-flexible card thanks to its intro APR and mix of cash back categories, which you can swap out once per calendar month.

Best for low interest

BankAmericard® credit card

BankAmericard® credit card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)

Purchase intro APR

0% Intro APR for 18 billing cycles for purchases

Regular APR

15.74% - 25.74% Variable APR on purchases and balance transfers

Intro offer

N/A

Rewards rate

N/A

Why you'll like this: It offers a chance at one of the lowest ongoing APRs available on a balance transfer card.

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Compare

Compare Bankrate's top 0% intro APR credit cards

Card Name Our pick for
Balance Transfer Intro Offer
Purchase Intro Offer Ongoing APR
Bankrate score

Longest intro APR card

21 months 0% intro APR for 21 months from account opening on qualifying balance transfers
21 months 0% intro APR for 21 months from account opening
Regular APR: 17.74%, 24.24%, or 29.49% Variable APR

4.3 / 5

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(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Flexible spending 

15 months 0% Intro APR on Balance Transfers for 15 months
15 months 0% Intro APR on Purchases for 15 months
Regular APR: 19.99% - 28.74% Variable

4.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

Dining and entertainment

15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.74% - 29.74% (Variable)

5.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site

Rotating bonus categories

 
15 months 0% for 15 months
15 months 0% for 15 months
Regular APR: 18.74% - 27.74% Variable APR

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Discover's secure site
Business purchases
N/A
12 months 0% Intro APR on Purchases for 12 Months
Regular APR: 17.99% - 23.99% Variable

4.2 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Chase's secure site

Commuters

15 months 0% for 15 months on balance transfers
15 months 0% for 15 months on purchases
Regular APR: 18.74% - 28.74% (Variable)

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Citi's secure site
Travel
15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.74% - 29.74% (Variable)

4.1 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site

Families

12 months 0% on balance transfers for 12 months
12 months 0% on purchases for 12 months
Regular APR: 18.74%-29.74% Variable

4.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

Everyday use

15 months 0% on balance transfers for 15 months
15 months 0% on purchases for 15 months
Regular APR: 18.74%-29.74% Variable

4.6 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on American Express's secure site
See Rates & Fees , Terms Apply

Bank of America customers

15 billing cycles 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.
15 billing cycles 0% Intro APR for 15 billing cycles for purchases
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Simplicity
15 months 0% intro on balance transfers for 15 months
15 months 0% intro on purchases for 15 months
Regular APR: 19.74% - 29.74% (Variable)

3.8 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Capital One's secure site
Flat-rate cash rewards
12 months 0% intro APR for 12 months from account opening on qualifying balance transfers
12 months 0% intro APR for 12 months from account opening
Regular APR: 19.74%, 24.74%, or 29.74% Variable APR

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Best for shopping
15 billing cycles 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.
15 billing cycles 0% Intro APR for 15 billing cycles for purchases
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Image of BankAmericard® credit card
BankAmericard® credit card

Low interest

18 billing cycles 0% Intro APR for 18 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.
18 billing cycles 0% Intro APR for 18 billing cycles for purchases
Regular APR: 15.74% - 25.74% Variable APR on purchases and balance transfers

How much can you save with a zero-interest card?

Credit card interest is the cost of borrowing money as a percentage of your credit card balance at the end of each billing cycle. It's one of the main ways that credit card companies make money. At the end of each billing cycle, the credit card issuer calculates your interest charges using your average daily balance, APR and the number of days in the billing cycle. How much interest you pay depends on the APR, which can be determined partly by your creditworthiness and federal interest rates.

Knowing your APR is important to understanding how much you could be paying each month and how much you’ll be saving through your intro APR offer. Rates steadily increased throughout the summer but took a sharp dip in September. Since rates are trending down, your ongoing APR — the interest rate after your intro APR offer ends — won’t be as high, ultimately saving you even more money. So now’s a good time to consider applying for cards with zero-interest intro offers.

Current credit card interest rates

High rates could easily accumulate hundreds of dollars in interest payments before you settle your balance, especially if you charge most of your purchases to a credit card. With the right intro APR offer, you can focus on paying down your debt without racking up additional interest on your balance during the intro period. These offers usually only keep interest at bay for 12 to 21 months until the typical interest rate kicks in, but this could still be more than enough time to settle your balance if you stick to your debt payoff plan

Based on a $3,000 balance, 3 percent balance transfer fee and the minimum payment required to settle the balance within 18 months, Bankrate’s credit card payoff calculator shows that an 18-month 0 percent intro APR offer could save you around $400 in interest on a $3,000 credit card balance. Just keep in mind that an intro APR on balance transfers only shields your transferred balance from interest — new purchases you make will still rack up interest unless the card also has a 0 percent intro APR offer for new purchases.

APR With 3% balance transfer fee Monthly payment Total interest Total amount paid
20% for 18 months $3,000 $194 $497 $3,497
0% intro on balance transfers for 18 months $3,090 $167 $0 $3,090

Choosing a 0% intro APR card for purchases vs. balance transfers

While many zero-interest cards have the same intro APR offers for purchases and balance transfers, some of the most popular cards may provide a shorter offer on purchases to deliver a longer balance transfer intro APR or another valuable perk. To help narrow down your shortlist of potential cards, consider whether you prioritize keeping interest at bay on upcoming purchases, your existing balance or if a well-rounded card with matching offers is best for your situation.

Zero-interest cards are great when planning a large purchase, such as furniture or new tech, while getting used to a card’s features. It’s also a great time to figure out a budget for you and your card. Just make sure you know when the offer ends so you’re not caught off guard when the ongoing APR applies.

It can be easier to plan how long it will take to pay down your debt if you have a clear timeline between 12 and 21 months. You can divide it evenly or focus on lowering your debt to a certain amount before the offer ends. 

If you can’t pay off the total amount, the offer can still help decrease the overall debt. In this case, it’s best not to use the card for purchases, too. This can be especially important for zero-interest cards that earn rewards since, although you can earn cash back, it may leave you with more debt than you started with.  

Should you get a 0% intro APR card?

While an intro APR offer can help you potentially save hundreds on potential interest costs, a zero-interest card can be a slippery slope into a debt cycle or credit damage if you’re not careful. If you don’t make sufficient payments or you’re still racking up a bigger balance than you can pay off in time, you could end up owing interest on your zero-interest card too. Your intro APR could also end early if you missed a payment due date or didn’t make the minimum payment — leaving you right back where you started and possibly with a sky-high penalty APR. 

Bankrate's image file

Using a 0% APR credit card as an interest-free loan

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What people say about 0% intro APR credit cards

Advice from other people who’ve used the cards you’re interested in is a great way to shop around for your next credit card. We explored what people had to say about the best zero-interest cards to give you more perspectives on your options. 

How a Bankrate writer used his 0% intro APR card offer

Using an intro APR card can make it easier to cover large purchases, but you should do your best not to charge more than you’re sure you can pay off.

The Citi Custom Cash card and its intro APR on purchases helped Bankrate writer Brendan Dyer get used to adding a new car loan payment into his monthly budget.

“Shortly after I bought a car, I applied for the Citi Custom Cash card because it had an introductory APR offer I wanted to take advantage of alongside my new car loan. I used the card to buy groceries and, occasionally, gas. I never had a loan before, so making car payments was new to me. I wanted to get it over with as quickly as possible, or at least get far enough ahead on the loan that I could trim the overall interest I would pay on it.

The Citi Custom Cash card and its introductory APR offer let me carry a balance for all my regular purchases for a little more than one year while I focused on paying off my car. I knew I would eventually pay off my card balance before the offer period ended, but the intro APR gave me a safety net while I managed a new monthly car payment. It also helped me avoid a lot of interest on my car loan because I didn’t need to pay my card off right away and could keep paying down the principal on my loan.”

— Brendan Dyer, Writer, Bankrate

 

In the news: The Fed’s September rate cuts may be a sign of more notable APR cuts into 2025

With the job market and inflation slowing down, the Federal Reserve finally cut interest rates for the first time since the consistent rate hikes and plateaus began early in the pandemic. Fed officials anticipate this unexpectedly significant half-point cut may be the prologue to more cuts this year and potentially another full percentage point of cuts in 2025.

Although it may be a while before the sting of high inflation subsides, this is great news for cardholders and borrowers since it may indicate slightly lower APRs and hope for more meaningful drops in the future. However, this small drop from record-high rates means it’s still far from a good time to put large purchases on a card that could accrue interest. Cardholders with credit-building cards are still especially affected since it will still be hard to avoid remarkably high APRs on these cards.

In the meantime, you can double-check your credit score to ensure you have the best approval odds for whichever 0 percent APR card you apply for. You generally want to aim for good to excellent credit. You can also use tools such as CardMatch to check your odds for a 0 percent APR card.

Ask the experts: What are the best ways to avoid paying interest on a credit card?


Financial Educator, Debt and Credit

Whenever possible, pay off your credit cards every month. If you have a balance with a high interest rate, look for balance transfer opportunities and try to pay off the balance within the promotional rate time frame. If you have bad credit and are struggling to pay down your balance, look into a debt management plan through a nonprofit credit counseling agency. Some creditors offer as low as 0 percent through a debt management plan, and multiple monthly payments can be consolidated into one. On average, a debt management plan lasts four years, but there is no prepayment penalty if you are able to pay it off sooner. Keep in mind that a debt management plan will close the accounts you’re consolidating, so this isn’t something you want to do as a first option.

Contributor, Personal Finance

Hands down, the best way to avoid paying any interest is to set every one of your card accounts to auto-pay the full balance each month on or before the due date. This method to set it and forget it always works — as long as you’re never spending more than what is in your bank account.

Contributor, Credit Cards

I’m a big fan of the “pay as you charge” method. Make sure you have your bank’s app on your phone — it should be connected to your checking account. Then use your credit card for the things you want and can afford, and immediately pay off the balance at the end of the day. You’ll never pay another penny in interest, you’ll rack up the rewards (if your card has a rewards program) and you won’t face a big balance at the end of the month that you may be tempted to partially pay off.

Frequently asked questions about 0% intro APR credit cards

How we assess the best zero-interest credit cards

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100+
card ratings
Credit Card Apr Icon
400+
APRs tracked
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3000
data points analyzed
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40+
perks evaluated

When evaluating the best zero-interest cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders. 

A “zero-interest” designation can apply to several different types of card, each best suited to a different type of cardholder. Some users may need to finance purchases or carry a balance long term, others may need as much time as possible to chip away at debt and still others would love an intro APR but mostly want to maximize a card’s long-term value via rewards.

Here’s a quick look at our card rating methodologies vary based on card type, with most “zero-interest” cards landing in a primary scoring category of Balance Transfer, Low-Interest or Rewards.

For balance transfer and low-interest cards, our scoring breaks down as follows:

5
Rating: 5 stars out of 5
Overall Score
  • Rates and fees 80%
  • Perks 10%
  • Customer experience 10%

For rewards cards, the breakdown looks quite different:

5
Rating: 5 stars out of 5
Overall Score
  • Value 65%
  • Flexibility 15%
  • Perks 15%
  • Customer experience 5%

We analyzed over 100 of the most popular zero-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered:

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information about the Chase Freedom Flex has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.