10 Best 0% APR Credit Cards

Jodie Price

By Jodie Price | Updated August 21, 2025

Credit cards with a 0% APR offer a smart way to avoid interest while paying off big purchases or consolidating debt. Many provide interest-free periods up to 24 months, along with rewards or features that match a range of spending habits. This guide highlights 10 standout options that balance long intro APRs with added perks, helping readers choose the right card for their financial goals.

  • U.S. Bank Cash+® Visa Signature® Card

    The U.S. Bank Cash+® Visa Signature® Card is a customizable cash back card suited for people who want flexibility without added costs. It works well for users who want to choose their highest-earning categories and benefit from a long 0% APR period.

    With multiple cash back tiers and no annual fee, this card appeals to users who prefer to tailor their rewards to fit everyday spending.

    Earning Structure:

    • 5% cash back on two categories of your choice each quarter (up to a spending cap)
    • 2% cash back on one everyday category, selected by the cardholder
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn a $200 bonus after spending $1,000 in eligible purchases within the first 90 days.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 billing cycles on purchases and balance transfers
    • APR after intro period: Variable, currently 18.49%–28.74%
    • Other perks: Visa Signature benefits and customizable rewards

    Key Benefits:

    • Ability to select reward categories tailored to spending habits
    • No annual fee
    • 0% introductory APR period helps manage new purchases or transfer balances
    • Rewards on everyday spending

    Redemption Options:
    Cash back rewards can be redeemed for statement credits, direct deposits, gift cards, or merchandise through U.S. Bank’s rewards portal.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The 5% cash back categories have spending caps each quarter, which limits the amount of bonus rewards you can earn.

    Why it Works for Beginners:
    The card’s easy-to-understand system and no annual fee make it a good choice for new credit users who want to start earning rewards while managing payments with a 0% APR period.

  • Capital One VentureOne Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card is a no-annual-fee travel rewards card designed for budget-conscious users. It offers a straightforward way to earn miles on everyday purchases, making it a solid choice for those who want travel perks without extra costs.

    The card also features a 0% introductory APR on purchases and balance transfers for 15 months. This helps cardholders manage their spending without immediate interest, ideal for new credit users or those paying off large purchases.

    Earning Structure:

    • 1.25 miles per dollar on every purchase
    • No category restrictions or limits on miles earned

    Welcome Bonus:
    New cardholders can earn 20,000 bonus miles after spending $500 in the first three months.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 19.24%–29.24%
    • Other perks: No foreign transaction fees and travel accident insurance

    Key Benefits:

    • Redeem miles for any airline or hotel with no blackout dates
    • Miles never expire while account is open
    • Simple, easy-to-use rewards system
    • Compatible with mobile wallet payments

    Redemption Options:
    Miles can be redeemed as statement credits against travel purchases or transferred to travel partners.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The flat 1.25x miles rate is lower than some premium travel cards, which may offer higher rewards for specific categories.

    Why it Works for Beginners:
    It combines simple rewards, no fees, and a long 0% introductory APR, making it easy for new credit users to start earning miles while managing debt.

  • Chase Freedom Flex®

    The Chase Freedom Flex® is a cash back credit card with no annual fee. It offers a 0% introductory APR on purchases and balance transfers for 15 months, making it a good choice for those wanting to avoid interest while paying down existing debt.

    This card also combines solid rewards with added perks linked to popular brands like DoorDash and Lyft. It is designed to provide value without charging an annual fee.

    Earning Structure:

    • 5% cash back on up to $1,500 spent each quarter in rotating categories after activation
    • 3% cash back on dining and drugstore purchases
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn a $200 bonus after spending $500 in the first three months.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 18.99%–28.49%
    • Other perks: Mastercard World Elite benefits and limited-time partner offers

    Key Benefits:

    • Access to rotating 5% cash back categories quarterly
    • No annual fee lets users keep costs low
    • Extra cash back on everyday dining and drugstore purchases
    • Added perks with limited-time offers from partners

    Redemption Options:
    Cash back rewards can be redeemed as statement credits, direct deposits, gift cards, or travel bookings through the Chase Ultimate Rewards® portal.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The 5% cash back on rotating categories requires regular activation each quarter. The balance transfer fee may reduce savings on transfers.

    Why it Works for Beginners:
    The no annual fee and simple structure make it easy for new card users to earn rewards without high costs or complicated rules.

  • Citi Custom Cash® Card

    The Citi Custom Cash® Card offers a flexible cash-back rate that adapts to your spending habits. It targets your highest spending category each billing cycle, which makes it a good choice for everyday use.

    This card also features a long 0% intro APR period on purchases and balance transfers. There is no annual fee, helping keep costs low.

    Earning Structure:

    • 5% cash back on your highest spending category each month (up to $500)
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn a $200 cash-back bonus after spending $1,500 in the first six months, delivered as 20,000 thank-you points.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, typically between 18.24% and 28.24%
    • Other perks: Contactless chip card, Citi Entertainment access, extended warranty, and free FICO® Score access

    Key Benefits:

    • High 5% cash back on top spending category
    • Long 0% APR on purchases and balance transfers
    • No annual fee
    • No category enrollment needed

    Redemption Options:
    Cash back rewards can be redeemed as statement credits, direct deposits, or gift cards.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 670 or higher.

    Spending Limitations / Potential Drawbacks:
    The 5% cash-back cap is limited to $500 spent per billing cycle, which may restrict rewards on high spending.

    Why it Works for Beginners:
    Its simple rewards structure and no annual fee make it easy for new users to manage and benefit from. The long 0% APR also helps with larger purchases or balance transfers.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a no-annual-fee cash back card offering competitive rates across travel, dining, and everyday purchases. It combines flexible rewards with a long 0% introductory APR, making it well-suited for both daily use and short-term financing.

    Its straightforward earning structure appeals to users who want value without the need to track categories or activate offers.

    Earning Structure:

    • 5% cash back on travel booked through Chase Travel
    • 3% cash back on dining and drugstore purchases
    • 1.5% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn $200 cash back after spending $500 within the first three months of opening their account.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 18.99%–28.49%
    • Other perks: Purchase protection, extended warranty, and no minimum for cash back redemption

    Key Benefits:

    • Competitive cash back rates with no category limits
    • Flexible redemption options for points or statement credits
    • Added protection benefits such as purchase protection and extended warranty

    Redemption Options:
    Cash back can be redeemed as statement credits, direct deposits, gift cards, or travel through Chase Ultimate Rewards®.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The 0% APR only applies to new purchases, not balance transfers, which have different terms.

    Why it Works for Beginners:
    Its simple rewards structure and low fees make it easy for first-time credit card users to earn cash back while managing interest costs.

  • Blue Cash Everyday® Card From American Express

    The Blue Cash Everyday® Card from American Express is designed for everyday spending, especially groceries, gas, and online purchases. It has no annual fee, making it a good option for people who want rewards without a yearly cost.

    It offers a 0% introductory APR for 15 months on purchases and balance transfers. After that, the APR changes to a variable rate between 20.24% and 29.24%.

    Earning Structure:

    • 3% cash back at U.S. supermarkets (up to $6,000 per year)
    • 3% cash back at U.S. gas stations (up to $6,000 per year)
    • 3% cash back on U.S. online retail purchases (up to $6,000 per year)
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders earn a $200 statement credit after spending $2,000 in the first 6 months.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 20.24%–29.24%
    • Other perks: Purchase protection, car rental loss and damage insurance, and Plan It® installment payment option

    Key Benefits:

    • Strong cash back rewards on common spending categories
    • No annual fee
    • Extended 0% APR period for financing purchases

    Redemption Options:
    Cash back is received as a statement credit, which can be applied directly to the card balance.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The 3% cash back rates apply only up to $6,000 per year in each bonus category, after which cash back drops to 1%.

    Why it Works for Beginners:
    It offers an easy way to earn cash back on everyday purchases with no annual fee and a long 0% APR period, which helps new credit users manage balances without interest.

  • Discover it® Cash Back

    The Discover it® Cash Back card offers a strong cash back rewards program paired with a lengthy 0% introductory APR period. Cardholders get 15 months of no interest on purchases and eligible balance transfers, followed by a standard APR between 18.24% and 27.24%.

    This card is designed for everyday spending with rotating bonus categories each quarter. It has no annual fee, making it a cost-effective option for those wanting rewards and a break on interest charges.

    Earning Structure:

    • 5% cash back on everyday purchases in categories that change quarterly when activated, up to a set quarterly limit
    • 1% unlimited cash back on all other purchases

    Welcome Bonus:
    Cash back earned during the first year is doubled automatically by Discover.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 18.24%–27.24%
    • Other perks: No late fee on first missed payment and no penalty APR

    Key Benefits:

    • No annual fee
    • Cashback match for the first year
    • 5% cash back in rotating categories up to spending limit
    • Free FICO score updates monthly

    Redemption Options:
    Cash back can be redeemed as statement credits, direct deposits, gift cards, or used to pay for Amazon purchases.

    Credit Requirements:
    Typically requires a good or excellent credit score, usually 670 or higher.

    Spending Limitations / Potential Drawbacks:
    The 5% cash back applies only after quarterly activation and is capped at a spending limit each quarter.

    Why it Works for Beginners:
    It has no annual fee, easy cash back rewards, and forgiving credit rules, suitable for new credit users trying to build credit while earning rewards.

  • Capital One Savor Cash Rewards Credit Card

    The Capital One Savor Cash Rewards Credit Card is designed for people who spend frequently on dining, entertainment, and groceries. It offers elevated cash back in lifestyle categories that align with everyday habits.

    The card also includes a 0% APR intro period, making it useful for managing large purchases or balances while earning rewards.

    Earning Structure:

    • 4% cash back on dining and entertainment
    • 3% cash back on grocery stores
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn a $200 cash bonus after spending $500 in the first three months.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 months on purchases and balance transfers
    • APR after intro period: Variable, currently 19.24%–29.24%
    • Other perks: No foreign transaction fees, contactless payment support

    Key Benefits:

    • Unlimited cash back with no limits or categories to activate
    • Rewards never expire
    • Access to Capital One’s online tools to track spending and rewards

    Redemption Options:
    Cash back rewards can be redeemed as statement credits, gift cards, or bank deposits.

    Credit Requirements:
    Generally requires good to excellent credit, typically a FICO score of around 700 or higher.

    Spending Limitations / Potential Drawbacks:
    The 0% APR period is limited to 15 months, and the variable APR after that can be high if balances remain.

    Why it Works for Beginners:
    It offers simple cash back categories and a no-fee structure, making it easy for new cardholders to understand and use.

  • Bank of America® Customized Cash Rewards Credit Card

    The Bank of America® Customized Cash Rewards Credit Card is designed for people who want flexibility in how they earn rewards. It allows cardholders to choose a category for elevated cash back, tailoring the card to individual spending habits.

    This card also features a 0% intro APR period, making it useful for managing large purchases or transferred balances without added interest.

    Earning Structure:

    • 3% cash back on one selected category after the first year
    • 2% cash back at grocery stores and wholesale clubs
    • 1% cash back on all other purchases

    Welcome Bonus:
    New cardholders can earn a $200 cash rewards bonus after spending $1000 within the first 90 days.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 billing cycles on purchases and balance transfers
    • APR after intro period: Variable, currently 18.24%–28.24%
    • Other perks: Preferred Rewards members can earn 25%–75% more cash back

    Key Benefits:

    • Customizable cash back categories
    • 0% APR introductory period
    • No annual fee
    • Bonus cash rewards for Preferred Rewards clients
    • Easy-to-use mobile app for managing rewards

    Redemption Options:
    Cash back can be redeemed as statement credits, a deposit into a Bank of America checking or savings account, or for gift cards.

    Credit Requirements:
    Applicants typically need good to excellent credit to qualify for this card.

    Spending Limitations / Potential Drawbacks:
    The 3% and 2% categories have a $2,500 quarterly spending cap combined; rewards drop to 1% after the cap is reached.

    Why it Works for Beginners:
    It offers simple rewards and a no-fee, 0% APR intro period, which helps new credit users build credit and manage spending without interest for a time.

  • Bank of America® Unlimited Cash Rewards Credit Card

    The Bank of America® Unlimited Cash Rewards credit card offers a simple, flat-rate cash back on all purchases. It is designed for users who prefer an easy-to-understand rewards plan without category restrictions.

    This card also features a low introductory interest rate. Cardholders can enjoy a 0% Intro APR for 15 billing cycles on purchases and balance transfers made within the first 60 days.

    Earning Structure:

    • 1.5% cash back on all purchases
    • Up to 2.62% cash back for Preferred Rewards members

    Welcome Bonus:
    Cardholders earn a $200 cash rewards bonus after spending $1,000 in the first 90 days.

    Card Details:

    • Annual fee: $0
    • Intro APR: 0% for 15 billing cycles on purchases and balance transfers
    • APR after intro period: Variable, currently 18.24%–28.24%
    • Other perks: Preferred Rewards members can earn up to 2.62% cash back

    Key Benefits:

    • Flat-rate cash back on every purchase
    • No annual fee
    • Potentially increased cash back through Bank of America Preferred Rewards program
    • Long 0% intro APR period

    Redemption Options:
    Cash back rewards can be redeemed as statement credits or direct deposits.

    Credit Requirements:
    This card is best for those with good to excellent credit, typically a score of 750 or higher.

    Spending Limitations / Potential Drawbacks:
    The flat cash back rate may not maximize rewards for those who spend heavily in specific categories like travel or dining.

    Why it Works for Beginners:
    Its straightforward rewards and no annual fee make it easy for beginners to earn cash back without complicated rules or fees.

Frequently Asked Questions

Which credit card offers the longest 0% APR period in this list?

The U.S. Bank Cash+® Visa Signature® Card offers one of the longest 0% APR periods in the article—15 billing cycles on both purchases and balance transfers. It also includes customizable 5% cash back categories and no annual fee. This balance of long interest relief and flexible rewards makes it a standout option.

How do I qualify for a credit card with a long-term 0% introductory APR?

Issuers generally require good to excellent credit, usually a FICO score above 690, along with steady income. Cards like the Citi Custom Cash® Card and Blue Cash Everyday® Card from American Express offer long 0% APR periods and are accessible with solid credit. Prequalification tools can help estimate approval chances without affecting your credit score.

What options are available for zero-interest balance transfer credit cards?

Cards such as the Discover it® Cash Back and Chase Freedom Flex® offer 0% APR on balance transfers for 15 months. Both cards also earn rewards, giving added value beyond the interest savings. Keep in mind that most balance transfers include a 3% fee.

Which credit card offers the lowest interest rate after the 0% APR period ends?

The U.S. Bank Cash+® Visa Signature® Card has a relatively lower starting APR of 18.49% after the intro period, depending on credit. It also offers 5% cash back in customizable categories. This makes it a solid pick for those concerned about long-term interest rates.

Are there any 0% APR credit cards from Capital One that offer no interest for 24 months?

Capital One does not currently offer any 0% APR cards with a full 24-month term. However, the Capital One VentureOne Rewards Credit Card offers 0% APR for 15 months on purchases and balance transfers. It’s best for users who want basic travel rewards and short-term interest relief.