8 best 0% APR and low interest credit cards of December 2023
At TPG, we’re always looking to optimize how we use credit cards which is why we created this list of the best 0% APR credit cards you should carry in your wallet.
These cards offer a 0% APR for an introductory period on new purchases, making them ideal to have for large purchases or in the event of an emergency. Although we don’t recommend carrying a balance on your credit cards, it’s nice to have the guarantee of a 0% APR if you’re not able to pay off a balance in full and do need to carry it over into the next month.
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At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
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Since 2010, TPG has been dedicated to helping you make informed credit card and travel decisions. We know that credit card rewards can unlock travel that changes lives, and we strive every day to help our readers achieve their financial and travel goals.
In addition to credit cards expertise, we have a variety of industry experts on our editorial team to help every reader make the best travel decisions available. We believe every redemption matters, whether someone is using points and miles to take a dream trip or looking to save money on holiday travel.
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- 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 1.25 Miles 1.25 Miles per dollar on every purchase, every day
Why We Chose It
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. WIth no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase!
Pros
- Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
- Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
- No foreign transaction fees.
Cons
- Other credit cards can offer you higher rewards for your common purchase categories.
- Capital One airline transfer partners do not include any large U.S. airlines.
- $0 annual fee and no foreign transaction fees
- 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 unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Why We Chose It
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. WIth no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase!
Pros
- Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
- Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
- No foreign transaction fees.
Cons
- Other credit cards can offer you higher rewards for your common purchase categories.
- Capital One airline transfer partners do not include any large U.S. airlines.
- $0 annual fee and no foreign transaction fees
- 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 unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Pros
- Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
- Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
- No foreign transaction fees.
Cons
- Other credit cards can offer you higher rewards for your common purchase categories.
- Capital One airline transfer partners do not include any large U.S. airlines.
- $0 annual fee and no foreign transaction fees
- 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 unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% 6% Cash Back on select U.S. streaming subscriptions
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
Why We Chose It
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out there for cash-back credit cards.
- The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Why We Chose It
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out there for cash-back credit cards.
- The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Pros
- This card has one of the best earning structures out there for cash-back credit cards.
- The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Why We Chose It
There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 18.24%, 24.74%, or 29.99%, depending on your creditworthiness (balance transfers made within 120 days qualify for the intro rate, balance transfer fee of 5%, min $5).
Pros
- No annual fee.
- Introductory APR offer of 21 months on purchases and qualifying balance transfers.
- Up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.
Cons
- No points or cash rewards earning potential.
- No welcome bonus.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Why We Chose It
There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 18.24%, 24.74%, or 29.99%, depending on your creditworthiness (balance transfers made within 120 days qualify for the intro rate, balance transfer fee of 5%, min $5).
Pros
- No annual fee.
- Introductory APR offer of 21 months on purchases and qualifying balance transfers.
- Up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.
Cons
- No points or cash rewards earning potential.
- No welcome bonus.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Pros
- No annual fee.
- Introductory APR offer of 21 months on purchases and qualifying balance transfers.
- Up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.
Cons
- No points or cash rewards earning potential.
- No welcome bonus.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% 1.5% cash back on all other purchases
Why We Chose It
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review on the Chase Freedom Unlimited.
Pros
- At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
- Perfect for everyday, non-bonused spending.
- Incredible value when paired with a premium Chase card.
Cons
- There is a foreign transaction fee so the card shouldn't be used abroad.
- Limited card perks and benefits.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Why We Chose It
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review on the Chase Freedom Unlimited.
Pros
- At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
- Perfect for everyday, non-bonused spending.
- Incredible value when paired with a premium Chase card.
Cons
- There is a foreign transaction fee so the card shouldn't be used abroad.
- Limited card perks and benefits.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Pros
- At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
- Perfect for everyday, non-bonused spending.
- Incredible value when paired with a premium Chase card.
Cons
- There is a foreign transaction fee so the card shouldn't be used abroad.
- Limited card perks and benefits.
- Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
- Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Why We Chose It
The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.
Pros
- Unlimited 1.5% cash back on all purchases
- No annual fee.
- Cash back doesn't expire.
Cons
- Limited card perks and benefits.
- Other cards offer more potential and upside when it comes to redeeming cash back.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Why We Chose It
The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.
Pros
- Unlimited 1.5% cash back on all purchases
- No annual fee.
- Cash back doesn't expire.
Cons
- Limited card perks and benefits.
- Other cards offer more potential and upside when it comes to redeeming cash back.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Pros
- Unlimited 1.5% cash back on all purchases
- No annual fee.
- Cash back doesn't expire.
Cons
- Limited card perks and benefits.
- Other cards offer more potential and upside when it comes to redeeming cash back.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
Why We Chose It
The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One SavorOne Cash Rewards Credit Card.
Pros
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Why We Chose It
The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One SavorOne Cash Rewards Credit Card.
Pros
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Pros
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
- 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1% Unlimited 1% cash back on all other purchases.
Why We Chose It
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
Pros
- The generous sign-up bonus is impressive for a no annual fee card.
- The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
- Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
Cons
- You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
- This card charges foreign transaction fees so it's best to use it within the U.S.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Why We Chose It
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
Pros
- The generous sign-up bonus is impressive for a no annual fee card.
- The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
- Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
Cons
- You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
- This card charges foreign transaction fees so it's best to use it within the U.S.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Pros
- The generous sign-up bonus is impressive for a no annual fee card.
- The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
- Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
Cons
- You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
- This card charges foreign transaction fees so it's best to use it within the U.S.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% 1% Cash Back on other purchases.
Why We Chose It
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Pros
- 3% cash back at U.S. supermarkets.
- 3% cash back at U.S. gas stations and U.S. online retail purchases.
- This card gives access to Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Why We Chose It
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Pros
- 3% cash back at U.S. supermarkets.
- 3% cash back at U.S. gas stations and U.S. online retail purchases.
- This card gives access to Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Pros
- 3% cash back at U.S. supermarkets.
- 3% cash back at U.S. gas stations and U.S. online retail purchases.
- This card gives access to Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Comparing the best 0% APR credit cards
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| Credit card | Best for | Intro offer | Earning Rate | Annual Fee | |
| Best for Travel |
20,000
miles |
1.25 - 5X miles
1.25 - 5X miles
details
|
$0 | ||
| Best for Maximizing Cash Back |
Earn $250
|
1 - 6% cash-back
1 - 6% cash-back
details
|
$0
intro annual fee for the first year, then $95. |
||
| Best for Financing Credit Card Debt |
N/A
|
details
|
$0 | ||
| Best for Transferrable Points |
Special Offer: Unlimited Matched Cash Back
|
1.5 - 5% cash-back
1.5 - 5% cash-back
details
|
$0 | ||
| Best for Simplicity |
$200
|
1.5 - 5% cash-back
1.5 - 5% cash-back
details
|
$0 | ||
| Best Overall |
$200
|
1 - 8% cash-back
1 - 8% cash-back
details
|
$0 | ||
| Best for Rotating Bonus Categories |
$200
|
1 - 5% cash-back
1 - 5% cash-back
details
|
$0 | ||
| Best for Gas and Supermarkets |
Earn $200
|
1 - 3% cash-back
1 - 3% cash-back
details
|
$0 |
More details on our best credit cards for zero-interest
Chase Freedom Unlimited: Best for bonus categories
In addition to a great bonus and earning structure, the Chase Freedom Unlimited offers a 0% APR introductory period for 15 months from account opening on new purchases (20.49% – 29.24% Variable APR applies after). This way, you can earn cash back while financing large purchases — just make sure you’re paying off your balance before the end of the intro APR period to avoid paying interest.
The Chase Freedom Unlimited earns 5% back on travel booked through Chase Ultimate Rewards, 3% on dining and drugstore purchases and 1.5% on all other eligible purchases.
It’s also a great card to pair with your existing Chase credit cards to earn cash back on non-bonus spending — in fact, it makes up one-third of the Chase Trifecta. If you have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can combine rewards and take advantage of 25% to 50% Chase travel portal redemption bonuses and transfer partners. Since TPG values Ultimate Rewards points at 2 cents each, you’ll get a 3% return on all non-bonus spending when you pair the Freedom Unlimited with a Chase Ultimate Rewards card.
Related: Chase Freedom Unlimited review
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Official application link: Chase Freedom Unlimited.
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Capital One Quicksilver Cash Rewards Credit Card: Best for flat-rate cash back
The Capital One Quicksilver Cash Rewards Credit Card is a no-fuss card with a 1.5% cash back rate no matter the purchase. You won’t have to worry about paying foreign transaction fees or an annual fee with this card (see rates and fees).
As with the other Capital One cards on this list, your rewards will never expire if you keep your account open.
Related: Capital One Quicksilver review
___________________________________________________________________________
Official application link: Capital One Quicksilver.
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Capital One SavorOne Cash Rewards Credit Card: Best for entertainment cash back
Whether you’re a city dweller or a foodie (or why not both!), the Capital One SavorOne offers some serious rewards for your everyday purchases — all for no annual fee (see rates and fees). You’ll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, and 1% on all other eligible purchases.
You can even bring the SavorOne along with you on your international travels as this card doesn’t charge any foreign transaction fees (see rates and fees). Finally, your rewards will never expire as long as you keep your account open.
Related: Capital One SavorOne review
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Official application link: Capital One SavorOne.
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What is APR?
APR stands for annual percentage rate which, by itself, doesn’t explain much about the term. Your APR is the interest rate you are charged on your credit card balance over the course of a year.
Credit card interest is generally calculated daily — 1/365 of the APR is multiplied by your current balance and added to it. This process, called compounding, is repeated daily for as long as you carry a balance. However, any interest charged is typically forgiven if you pay your statement balance in full by the due date every month.
What does this mean for you? No interest payment, no worries about APR. If you pay your balance each month, it’s essentially a short-term, interest-free loan.
Related: 5 basic credit card terms you need to know
Types of rates and fees
- Annual percentage rate (APR): The interest rate charged for the entire year. There are various types of APRs, from balance transfer, cash advance, penalty and purchase APRs. The most common APR type is your purchase APR, which is the interest rate charged to your credit card balance monthly.
- Balance transfer APR: The APR charged to your account when you transfer one credit card balance to another. If you complete a balance transfer, you may have to pay a balance transfer APR and/or a balance transfer fee.
- Cash advance APR: The APR charged to your account when you withdraw cash through an ATM or a bank with your credit card, up to your respective credit limit. If you complete a cash advance, you may have to pay a cash advance APR and/or a cash advance fee.
- Introductory APR offer: A reduced APR for a defined period can help you avoid additional interest charges on purchases, balance transfers, and more during this time.
- Penalty APR: The interest rate charged to your account when you fail to pay the minimum payment by your payment date.
- Purchase APR: The interest rate charged to your account when you fail to pay the full outstanding balance (more than just the minimum payment) by your payment date.
- Annual fee: The cost of owning your card, charged once per year. Some cards have no annual fees, while others can charge $550 (or more) per year.
- Foreign transaction fee: The amount charged to your account when paying with a foreign currency. Some credit cards waive foreign transaction fees, while others can charge fees — usually up to 3% of each transaction.
- Late payment fee: The amount charged to your account when you fail to pay the minimum payment by your payment date. In addition to the penalty APR charged to your balance, you’ll also be charged the late payment fee.
- Over-the-credit limit fee: The amount charged to your account when you exceed your credit limit defined on your card.
- Return payment fee: The amount charged to your account when your provided payment method for your credit card statement fails or bounces for reasons such as insufficient funds or account freezes or closures.
- Return check fee: The amount charged to your account when your provided check for your credit card statement fails and cannot be processed for reasons such as insufficient funds or account freezes or closures.
Related: TPG’s beginner guide to credit cards
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What are the main benefits of a 0% APR credit card?
While it should be obvious that making purchases without accruing interest is a major benefit all on its own, there are other opportunities to leverage a 0% APR card. As mentioned above, in the event of a surprise such as an unexpected health emergency, these cards can be a lifesaver while you catch up on your finances.
They can also be used to help finance one-time purchases, such as getting a new roof or remodeling the bathroom. Of course, as always, we heavily recommend you pay the balance off before the promotion expires in order to avoid paying any interest. You should also be careful not to use a 0% APR card as an excuse to spend beyond your means. Instead, you should treat this like one element of your emergency fund and only tap into it when necessary.
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How to choose the best 0% APR card
Everyone’s needs are different, so you’ll need to choose the best credit card for you. This is especially true if you’re looking to earn rewards while you spend. All of the cards listed above offer varied amounts and types of rewards for the money you spend, and you can choose which is best for you depending on their fees, reward categories, and which bank issuers the card.
Related: The top no-annual fee credit cards with a 0% intro APR
Are 0% APR cards worth it?
There are several solid credit cards offering a 0% APR for an introductory period, and you can earn valuable rewards or cash back — without paying an annual fee — as you work to pay down any outstanding debt. Just make sure you stay on top of your payments and know exactly when the introductory period ends to avoid getting hit with steep fees.
