12 Best 0% APR Credit Cards of January 2025

Discover APRs are accurate as of December 12, 2024. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

A credit card can be useful for financing purchases and consolidating debt if it offers a no-interest period. Some of the best credit cards can provide substantial savings with intro APRs on purchases, balance transfers or both — for up to 21 months. This makes intro 0% APR credit cards a potentially valuable tool for tackling credit card debt.

Below, CNBC Select rounds up some of the best credit cards that offer no interest. See our methodology below.

Who’s this card for? The Citi Simplicity® Card is a great option for consolidating existing credit card debt from other cards.

Intro APR offer: You’ll earn a 0% intro APR for 21 months on balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases from the date of account opening (variable APR will be 18.49% – 29.24% afterward). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

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Who’s this card for? The Wells Fargo Reflect® Card is ideal if you’re looking to pay off large purchases over time or consolidate existing debt.

Intro APR offer: The Wells Fargo Reflect Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 29.24% variable APR afterward). Balance transfers made within 120 days from account opening qualify for the intro rate, the balance transfer fee is 5% with a $5 minimum.

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Who’s this card for? The Capital One Savor Cash Rewards Credit Card is an excellent pick if you want to take advantage of generous bonus cash-back categories and an intro APR.

Intro APR offer: With a new Capital One Savor Cash Rewards Card, you’ll get a 0% intro APR on purchases and balance transfers for 15 months, then a 19.49% – 29.49% variable APR applies after that. The intro balance transfer fee is 3% of the amount of each transferred balance for the first 15 months, then 4% of the amount of each transferred balance at a promotional APR that Capital One may offer you at any other time.

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Who’s this card for? The Wells Fargo Active Cash® Card is a great choice for earning cash rewards on your everyday purchases, as well as interest-free financing.

Intro APR offer: The Wells Fargo Active Cash Card comes with 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (after that, a 19.49%, 24.49%, or 29.49% variable APR applies). Balance transfers made within the first 120 days qualify for an intro transfer fee of 3% of the amount transferred, after that, a 5% fee of the amount you transfer applies ($5 minimum).

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Who’s this card for? The Chase Freedom Unlimited® is another strong cash-back card with interest-free features.

Intro APR offer: You’ll get a 0% intro APR for 15 months from account opening on purchases and balance transfers (19.74% – 28.49% variable APR afterward). There’s an intro balance transfer fee of 3% of each transfer ($5 minimum) for the first 60 days, then the fee increases to 5% of each transfer ($5 minimum).

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Pro tip: You can pair this card with a Chase bank account

When you open a Chase Total Checking® account, you can earn a $300 bonus after you make at least $500 in direct deposits within 90 days of opening the account. You can also waive the monthly maintenance fee with qualifying activities.

Who’s this card for? Depending on your spending habits, the Blue Cash Everyday® Card from American Express can make sense because of how rewarding it can be for common purchases such as groceries, gas and online retailers.

Intro APR offer: The Blue Cash Everyday Card offers a 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR of 18.24%-29.24%, (see rates and fees). To qualify for the intro APR, balance transfers must be requested within 60 days of account opening and there’s a balance transfer fee that’s either $5 or 3% of the amount of each transfer (whichever is greater).

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Pro tip: You can pair this card with an Amex bank account

An American Express® Rewards Checking account comes with a 1.00% APY and no monthly maintenance fees. Plus, you’ll earn Membership Rewards points on eligible debit card purchases (one point for every $2 in eligible spending).

Who’s this card for? The Citi® Diamond Preferred® Card is another great option for financing large purchases or transferring existing credit card debt.

Intro APR offer: You’ll receive a 0% intro APR for 21 months on balance transfers from the date of the first transfer that’s completed within four months of account opening and 0% intro APR for 12 months on purchases (17.49% – 28.24% variable APR afterward). There is a balance transfer fee of 5% of the amount you transfer with a $5 minimum.

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Who’s this for: The Capital One VentureOne Rewards Credit Card is excellent if you don’t want to pay an annual fee because it earns transferrable travel rewards, on top of its intro-APR offer.

Intro APR offer: The Capital One VentureOne card comes with an intro 0% APR on purchases and balance transfers for 15 months, after that a variable APR of 19.49% – 29.49% applies. There is an intro balance transfer fee of 3% of each transfer you complete in the first 15 months your account is open. After that period, the transfer fee is 4% of each transfer you complete at a promotional APR Capital One may offer you at any other time.

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Intro APR offer: When you open a Discover it Cash Back card, you can take advantage of a 0% intro APR on purchases and balances transfer for 15 months, then a variable 18.49% to 27.49% APR applies. There is a 3% intro balance transfer fee and up to a 5% fee on future balance transfers (see terms).

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Who’s this for: The Citi Double Cash® Card is a generous cash-back rewards credit card to use on daily expenses that also comes with a great balance transfer offer.

Intro APR offer: Upon approval for the Citi Double Cash Card, you’ll get a 0% intro APR for 18 months on balance transfers (18.49% – 28.49% variable APR afterward; balance transfers must be completed within four months of account opening). The balance transfer fee is 3% of the amount you transfer ($5 minimum) within the first four months, then the balance transfer fee increases to 5% of any amount you transfer ($5 minimum).

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Who’s this for? The Citi Custom Cash® Card is ideal if where you spend the most changes from month to month and you want to maximize the return you get on your spending.

Intro APR offer: The Citi Custom Cash Card offers an intro 0% APR for 15 months on purchases and eligible balance transfers, after that an 18.49% – 28.49% variable APR applies, based on your creditworthiness. There is a balance transfer fee of 5% of the amount of each transfer ($5 minimum).

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Who’s this card for? The Chase Freedom Flex® is a terrific option for someone looking for a card with rotating spending categories, as well as interest-free financing.

Intro APR offer: You can take advantage of a 0% intro APR for 15 months from the date you open your Freedom Flex account opening on purchases and balance transfers (19.74% – 28.49% variable APR afterward). There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for transfers you make within the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer ($5 minimum).

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Anyone looking to save interest on purchases and balance transfers will appreciate the Wells Fargo Reflect® Card’s long intro-APR offer for purchases and balance transfers. This card also offers roadside dispatch and cell phone protection (Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible).

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The Capital One Savor Cash Rewards Credit Card is a no-annual-fee rewards card that earns competitive returns on common spending categories and offers a helpful intro APR. This card has no foreign transaction fees, extended warranty coverage and travel accident insurance.

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The Wells Fargo Active Cash® Card comes with cell phone insurance that covers damage, theft and loss of a cell phone. This insurance has a $25 deductible with a max coverage of $600 per claim. This card also has roadside dispatch, travel and emergency assistance services and rental car collision coverage.

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• 5% back on travel purchased through Chase Travel℠
• 5% back on Lyft rides (through March 2025)
• 3% back at drugstores
• 3% back on dining at restaurants (including takeout and eligible delivery services)
• 1.5% back on all other purchases

Welcome bonus

Earn an additional 1.5% cash back on up to $20,000 spent in the first year – worth up to $300 cash back.

Annual fee

$0

Notable perks

The Chase Freedom Unlimited® offers more than just a healthy intro-APR period, it’s also an incredibly rewarding cash-back credit card. You’ll also receive purchase protection, extended warranty protection, rental car coverage and trip cancellation/interruption insurance.

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$0 (see rates and fees)

Notable perks

For a no-annual-fee card, the Blue Cash Everyday® Card from American Express has a surprising amount of statement credit perks. You can receive up to $84 back per year in Disney Bundle credit ($7 back per month when you spend at least $9.99 per month on eligible auto-renewing subscriptions; enrollment required). You can also receive up to $180 back per year on Home Chef subscriptions (up to $15 back per month on auto-renewing subscriptions; enrollment required).

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The cash back you earn with the Discover it® Cash Back is easy to redeem for statement credits, bank deposits, gift cards and Amazon purchases. With this card, you won’t pay any foreign transaction fees.

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The Citi Double Cash® Card has no annual fee, which makes its unlimited 2% back on all purchases that much more impressive. There are several special cardmember programs, including Citi Entertainment℠, which gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you’re a victim of identity theft.

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The Citi Custom Cash® Card is a no-annual-fee card with bonus cash-back categories that shift with your spending habits. Beyond rewards, its standout perk is its introductory APR offer.

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The Chase Freedom Flex® has a notable intro-APR offer. Cardholders can also enroll for three complimentary months of DashPass (activate by Dec. 31, 2027).

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You’ll need to come up with a plan to pay off credit card debt. The amount you need to pay each month to have a zero balance at the end of the intro period depends on the length of the intro period.

For example, if you have a $4,500 balance on the Chase Freedom Flex, which offers an intro APR period of no interest for the first 15 months on balance transfers and purchases (after, 19.74% – 28.49% variable APR), you’ll need to pay $300 each month to pay off your old balance before the intro period ends. But if you have the U.S. Bank Visa® Platinum Card, with 0% intro APR for 18 months on balance transfers (then 18.74% – 29.74% variable APR), the monthly payment decreases to $250.

Pay off your balance in full

It’s very important to pay off any transferred debt or lingering new purchase balances before the intro 0% APR period ends. If you don’t, expect to be hit with the regular purchase APR. And if you have a store card, you could be hit with a bill for all the interest you accrued since the date you made your purchase or transfer (known as deferred interest). None of the cards on this list charge cardholders deferred interest.

Calculate how much you could save with a 0% APR credit card

The biggest reason to get a 0%-APR credit card is to save on interest, and how much you’ll save depends on your credit card balance, balance transfer fees, current interest rate and the length of the intro APR period.

Here’s how much you could save with a 12-month intro APR and 18-month intro APR if you have a $5,000 credit card balance, a 22% APR and pay it off in 12 or 18 months. We factored in the balance transfer fee (typically 3% to 5% of the amount you transfer), which eats into your savings but can be worth paying.

If you plan on making large purchases, such as a new iPhone or workout equipment, and need more time to pay them off, a 0% APR card can help you pay over time with no interest charges.

When you have credit card debt

If you have debt on a high-interest card, completing a balance transfer to a card with no interest for up to 20 months can help you pay it off faster and cheaper.

If you fall into both categories, a card with no interest on new purchases and balance transfers can help you pay off large expenses and old debt at the same time. Remember that you’ll need to make minimum payments on your balance and pay it off in full before the intro period ends to avoid interest.

• Are you carrying debt from a high-interest credit card? Then you should consider a balance transfer credit card with up to 21 months of no interest.
• Do you plan on making a large purchase? A 0% APR card can provide a lengthy intro period that allows you to pay off debt for over a year with no interest.
• Do you carry a balance month to month? A low-interest credit card offers a relatively consistent APR every month, compared to 0% APR cards that typically charge high-interest rates after the intro period ends.

After you determine which credit card you want to apply for, there are key factors you’ll want to compare cards.

Length of intro APR period

An intro APR period typically lasts anywhere from six to 21 months. Many popular rewards cards offer no interest for up to 15 months, and non-rewards cards can have 18- and 21-month intro 0% APR periods.

Regular APR

Unfortunately, an intro 0% APR won’t last forever. If you don’t pay off your balance before the 0%-APR period expires, you’ll start accruing interest again. So consider the regular APR before settling on a card if you think you may carry a balance once the intro 0% APR period ends.

Balance transfer fee

Most balance transfer cards charge a fee per transfer, typically 3% to 5% of the transfer amount. The money you save in interest can outweigh this fee, but make sure to do the math. To avoid fees, check out the best no-fee balance transfer credit cards.

Annual fee

Cards with a 0% APR period sometimes also have an annual fee. Make sure to review the annual fee each year and compare it with the value you’re getting from the card’s perks to decide whether it’s worth keeping.

Rewards and perks

The best 0% APR cards also offer cash back, points and miles. In addition, you may also be able to take advantage of other perks such as purchase and travel protections. While these are nice benefits, paying off debt should be your primary goal. Although a card’s benefits shouldn’t drive your decision, they can add to the value you receive and shouldn’t be completely ignored.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0% APR credit cards.

To determine which cards offer the best value for intro-APR offers, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back). 
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best 0% interest credit cards, we focused on the length of the intro APR offer and whether the 0% interest applies to purchases, balance transfers or both. We also considered balance transfer fees and the length of time new cardholders have to make a transfer and still qualify for the intro APR. Some 0%-interest credit cards don’t offer rewards, intro bonuses or other ongoing benefits. However, many credit cards provide intro-APR offers and additional perks, when these are available they factored into our decisions. 

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

Information about the Bank of America® Unlimited Cash Rewards Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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

For rates and fees of the Discover it® Cash Back, click here.