13 Best 0% interest credit cards of November 2024
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- Wells Fargo Reflect® Card: Best for long intro APR
- Chase Freedom Unlimited®: Best for flexible spending
- Capital One Savor Cash Rewards Credit Card: Best for dining and entertainment
- Discover it® Cash Back: Best for rotating bonus categories
- Ink Business Unlimited® Credit Card: Best for business purchases
- Citi Custom Cash® Card: Best for commuters
- Capital One VentureOne Rewards Credit Card: Best for travel
- Blue Cash Preferred® Card from American Express: Best for families
- Blue Cash Everyday® Card from American Express Card: Best for everyday use
- Bank of America® Unlimited Cash Rewards credit card: Best for Bank of America customers
- Capital One Quicksilver Cash Rewards Credit Card: Best for simplicity
- Wells Fargo Active Cash® Card: Best for flat-rate rewards
- The Bank of America® Customized Cash Rewards credit card: Best for shopping
- BankAmericard® credit card: Best for low interest
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Showing 14 results
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
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
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.
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.
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).
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.
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.
on American Express's secure site
See Rates & Fees, Terms ApplyPurchase 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.
on American Express's secure site
See Rates & Fees, Terms ApplyPurchase 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
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.
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.
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
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.
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 Bankrate's top 0% intro APR credit cards
Card Name | Our pick for |
Balance Transfer Intro Offer
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Purchase Intro Offer | Ongoing APR |
Bankrate score
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Longest intro APR card |
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Regular APR: 17.74%, 24.24%, or 29.49% Variable APR
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4.3 / 5 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.
Apply now
on Wells Fargo's secure site
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Flexible spending |
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Regular APR: 19.99% - 28.74% Variable
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4.8 / 5 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.
Apply now
on Chase's secure site
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Dining and entertainment |
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Regular APR: 19.74% - 29.74% (Variable)
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5.0 / 5 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.
Apply now
on Capital One's secure site
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Rotating bonus categories |
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Regular APR: 18.74% - 27.74% Variable APR
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4.4 / 5 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.
Apply now
on Discover's secure site
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Business purchases |
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Regular APR: 17.99% - 23.99% Variable
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4.2 / 5 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.
Apply now
on Chase's secure site
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Commuters |
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Regular APR: 18.74% - 28.74% (Variable)
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4.4 / 5 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.
Apply now
on Citi's secure site
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Travel |
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Regular APR: 19.74% - 29.74% (Variable)
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4.1 / 5 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.
Apply now
on Capital One's secure site
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Families |
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Regular APR: 18.74%-29.74% Variable
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4.4 / 5 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.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Everyday use |
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Regular APR: 18.74%-29.74% Variable
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4.6 / 5 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.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Bank of America customers |
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Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
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3.8 / 5 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.
Apply now
on Bank of America's secure site
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Simplicity |
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Regular APR: 19.74% - 29.74% (Variable)
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3.8 / 5 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.
Apply now
on Capital One's secure site
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Flat-rate cash rewards |
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Regular APR: 19.74%, 24.74%, or 29.74% Variable APR
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4.3 / 5 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.
Apply now
on Wells Fargo's secure site
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Best for shopping |
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Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
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4.3 / 5 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.
Apply now
on Bank of America's secure site
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Low interest |
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Regular APR: 15.74% - 25.74% Variable APR on purchases and balance transfers
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