Best 0% APR Credit Cards

0% APR credit cards are also known as balance transfer credit cards are an incredible choice for those who intend to save money on interest. While credit cards are generally known for charging higher interest rates, the 0% APR credit cards will help you evade interest for a period of 9 to 21 months. The average 0% credit card has a 0% APR for 11 months, a $0 annual fee and an 18.74% regular APR. Not all the 0% APR credit cards work the same way. Some cards help you avoid interest for purchases and balance transfers whereas other cards provide extended perks. The key to finding the right 0% APR credit card lies in focusing on the interest-free intro period as well as its annual fee. Our finance experts have done the work for you and we have listed the best 0% APR credit cards that will help meet your financial goals.

Best Picks For 0% APR Cards

  • 21 months
  • 18 months
  • 15 months

Best for no late fee

Citi Simplicity® Card

Rewards and Perks
  • No specific rewards.
  • Users can take advantage of a low intro APR on credit card balance transfers and purchases.


15.74% – 25.74% variable

5%, minimum $5

No annual fee

  • No late fees, no penalty rate and no annual fee – ever.
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in the first 4 months. After that, the variable APR will be 15.74% – 25.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening.

$3% foreign transaction fee

Best for balance transfers

Discover it® Balance Transfer

Rewards and Perks
  • Get 5% cash back at different places each quarter after you activate bonus categories (on up to $1,500 in purchases, then 1%).
  • Get unlimited 1% cash back on all other purchases.

Unlimited first year cash back match.

13.49% to 24.49% variable

3% intro balance transfer fee, up to 5% fee on future balance transfers.

No annual fee

  • Intro offer –  Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • 18 months of no interest on balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

No foreign transaction fee

Best for simple cash back program

Citi® Double Cash card

  • Earn 2% cash back on purchases – 1% when you buy and 1% as you pay. 
  • Earn cash back rewards on every purchase with the Citi® Double Cash card.

No welcome bonus

15.49% – 25.49% (Variable)

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

No annual  fee

  • Intro APR – 0% for the first 18 months on balance transfers; N/A for purchases
  • Earn cash back twice on every purchase, wherever you use your card.
  • There are no caps on cash back earned, and it all adds up fast.
  • Balance Transfers do not earn cash back.
  • Choose to receive your cash back as a statement credit, direct deposit, or check; or convert to points.

The Citi Double Cash card charges a foreign transaction fee of 3%.

Best for purchases and balance transfers

BankAmericard® credit card

Rewards and Perks
  • This card doesn’t offer cash back, miles or points.
  • It is the best card to save on interest.

No welcome bonus

14.49% to 24.49% variable APR on purchases and balance transfers

Either $10 or 3% of the amount of each transaction, whichever is greater


  • Intro APR – 0% for the first 18 billing cycles on purchases and balance transfers made within 60 days of opening your account.

  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.

3% foreign transaction fee.

Best for cash back on every day spending

Amex EveryDay® Credit Card

  • Earn 20% extra points – Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Earn 2X points at US supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 1X Membership Rewards® point for every eligible dollar you spend.

$0 Balance Transfer Fee Offer + 10,000 Membership Rewards® Points

14.49% – 25.49% variable APR on purchases and balance transfers

$0 balance transfer fee. The balance transfers must be requested within 60 days of account opening.

No annual fee

  • New Card Member Offer – $0 balance transfer fee offer plus 10,000 membership rewards points.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.49% to 25.49%.
  • Card Acceptance- Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Transfer your points to frequent traveler programs  including Delta’s SkyMiles® program.

The Amex Everyday foreign transaction fee is 2.7%.

Best for no balance transfer fee

Chase Slate®

Rewards and Perks
  • No rewards
  • One of the longest intro periods for a no-fee balance transfer card


16.49% to 25.24% variable

$0 on transfers made within 60 days of account opening. After that, 5% ($5 minimum).

No annual fee

  • Transfer balances with an introductory fee of $0 during the first 60 days your account is open. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.
  • No penalty APR – Paying late won’t raise your interest rate (APR).

3% foreign transaction fee.

Best for generous welcome bonus

Wells Fargo Cash Wise Visa® card

Rewards & Perks
  • Unlimited 1.5% cash rewards on every purchase.
  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months.

$150 cash rewards bonus after you spend $500 on purchases in your first 3 months from account opening.

14.99% to 26.99% variable on purchases and balance transfers

Introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum

No annual  fee

  • No rotating category restrictions or quarterly activations required to earn unlimited 1.5% cash rewards.
  • Cash rewards do not expire as long as the account is open.
  • Account protections such as 24/7 Fraud Monitoring, Alerts & Zero Liability protection for promptly reported unauthorized transactions.

Foreign transaction fee 3%.

Best for dining and entertainment

Capital One® SavorOne® Cash Rewards Credit Card

  • Earn unlimited 3% cash back on dining and entertainment.
  • Earn 2% at grocery stores.
  • Earn 1% on all other purchases.
  • Rewards beyond 3% cashback- VIP tickets, five-star meals and beyond.


15.49% – 25.49% variable

3% balance transfer fee

No annual fee

  • New Card member Offer – Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • 0% intro APR for 15 months; 15.49% – 25.49% variable APR after that.
  • Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
  • You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

You won’t pay a transaction fee when making a purchase outside of the United States.