Greatest 0% APR bank cards of November 2023

The most effective 0% APR bank cards provide lengthy introductory APR promotional durations, providing you with greater than a 12 months to pay down your purchases. Relying in your circumstances, you can in the end save a whole bunch of {dollars} on curiosity.

That mentioned, it may be overwhelming looking for the perfect bank card for you amongst a whole bunch of choices. That will help you slim down the perfect choices, the Fortune Recommends^TM workforce evaluated greater than 30 0% APR bank cards accessible at present and ranked them primarily based on components comparable to introductory interval, annual percentage rate (APR), rewards construction, client advantages, and extra. Learn on to see our prime picks.

See our full methodology here.

All rates of interest, phrases, and costs are topic to vary.

Greatest 0% APR bank cards

Greatest total 0% APR card (tie): Wells Fargo Mirror Card

The Wells Fargo Mirror® Card offers you almost two years to repay your purchases, making it a stable alternative when you’ve got important upcoming bills, and your month-to-month finances would make it tough to repay the stability sooner. 

Why we like this card : The Wells Fargo Mirror® Card affords an extremely lengthy 0% APR promotion for each purchases and stability transfers made inside the first 120 days from account opening. As a brand new cardholder, you’ll get a 0% rate of interest for 21 months, after which the variable APR is eighteen.24%, 24.74% or 29.99% primarily based in your creditworthiness. You’ll be hard-pressed to discover a card with an extended rate of interest promotion.

The cardboard additionally affords another beneficial advantages, together with as much as $600 in cellphone insurance coverage, which protects you in opposition to harm and theft whenever you use your card to pay your cellphone invoice. Whereas the cardboard doesn’t provide rewards in your on a regular basis purchases, you may earn money again with choose retailers via the My Wells Fargo Offers program.

For extra info take a look at our full review.

Card particulars 

• International transaction charge: 3%
• Rewards: N/A
• Further perks and advantages: Mobile phone safety, My Wells Fargo Offers, roadside dispatch, free FICO rating

Greatest total 0% APR card (tie): U.S. Financial institution Visa Platinum Card

The U.S. Financial institution Visa® Platinum Card is one other glorious alternative if you happen to’re trying to lengthen your curiosity financial savings for so long as attainable.

Why we like this card: The U.S. Financial institution Visa® Platinum Card gives an equally lengthy 0% APR promotion because the Wells Fargo Mirror® Card. When you’re authorized, you may take pleasure in no curiosity on purchases and stability transfers for 21 billing cycles (which is similar as months). After that, the continuing variable APR ranges from 18.74% to 29.74%, relying in your creditworthiness.

In alternate for an extended introductory APR promotion, the cardboard doesn’t provide rewards, however it does provide some worth after the promotional interval ends. Most notably, you’ll rise up to a $600 reimbursement in case your cellphone is stolen or broken whenever you pay your month-to-month cellphone invoice along with your card.

Card particulars 

• International transaction charge: 3%
• Rewards: N/A
• Further perks and advantages: Mobile phone safety, Pay over time with a U.S. Financial institution ExtendPay® Plan

For extra info take a look at our full review.

Greatest for post-intro APR: BankAmericard bank card

If in case you have nice credit score and anticipate carrying a stability after the preliminary 0% APR interval, you might be able to get each an introductory 0% APR and a comparatively low ongoing rate of interest after the promotional interval ends with the BankAmericard® bank card.

Why we like this card : With the BankAmericard® bank card, you’ll get an extended introductory 0% APR promotion, with no curiosity for the primary 18 billing cycles on purchases, in addition to stability transfers made inside 60 days of opening your account. After that, your variable APR might be between 16.24% and 26.24% primarily based in your creditworthiness. The cardboard additionally doesn’t cost a penalty APR.

There aren’t many different notable options, however the card does provide entry to your FICO credit score rating totally free. Additionally, when you’ve got a Financial institution of America checking account, you may hyperlink your card and use it for optionally available overdraft safety.

Card particulars 

• International transaction charge: 3%
• Rewards: N/A
• Further perks and advantages: Free FICO rating, Steadiness Join® for overdraft safety

For extra info take a look at our full review.

Greatest for money again: Chase Freedom Flex

The Chase Freedom Flex℠ is a superb alternative for individuals who wish to mix the worth of a 0% introductory APR promotion and an awesome rewards program. Specifically, it’s value contemplating if you happen to like the concept of maximizing your money again on a wide range of spending classes.

Why we like this card: The Chase Freedom Flex℠ affords a stable introductory 0% APR for the primary 15 months on each purchases and stability transfers. After that, a variable APR is 20.49%–29.24% Variable.

As a brand new cardholder, you’ll additionally earn a $200 money bonus after spending $500 on purchases inside your first three months

Moreover, you’ll earn money again on each greenback you spend. Right here’s what to anticipate:

• 5% money again on activated bonus class purchases every quarter (as much as $1,500 in purchases, then 1 p.c)
• 5% money again on journey bought via Chase Final Rewards
• 3% money again on eating (together with eating places, takeout and eligible supply providers)
• 3% money again on drugstore purchases
• 1% money again on all different purchases
• 5% money again on Lyft rides (via March 2025)

Card particulars 

• International transaction charge: 3% of the quantity of every transaction in U.S. {dollars}
• Rewards: 5% money again on activated bonus class purchases every quarter (as much as $1,500 in purchases, then 1 p.c), in addition to on journey bought via Chase Final Rewards, 5% money again on Lyft rides (via March 2025), 3% money again on eating (together with eating places, takeout and eligible supply providers) and drugstore purchases, 1% money again on all different purchases.
• Further perks and advantages: Buy safety, prolonged guarantee safety, journey cancelation/interruption insurance coverage, auto rental collision harm waiver, cellphone safety, complimentary three-month Doordash and Instacart+ membership.

For extra info take a look at our full review.

Greatest for flat-rate money again: Chase Freedom Limitless

If you wish to earn money again and like a easy rewards construction, the Chase Freedom Unlimited^® needs to be in your radar.

Why we like this card: The Chase Freedom Limitless^® affords a beneficiant introductory 0% APR on each purchases and stability transfers for the primary 15 months. After that, an APR of 20.49%–29.24% Variable applies. 

The Chase Freedom Limitless^® doesn’t provide the identical 5% money again on rotating classes because the Freedom Flex®, however it does provide the next base rewards charge, and all different rewards charges are the identical: 

• 5% money again on journey bought via Chase Final Rewards
• 3% money again on eating (together with takeout and eligible supply service)
• 3% money again on drugstore purchases
• 1.5% money again on all eligible purchases
• 5% money again on Lyft purchases (via March 2025)

Along with the 0% APR promotion, new cardholders can earn a a further 1.5% money again on every thing you purchase (on as much as $20,000 spent within the first 12 months). Different card perks embrace client and journey protections, comparable to buy safety, journey cancellation and interruption insurance coverage and rental automotive protection. You’ll additionally take pleasure in a complimentary three-month membership to each DoorDash DashPass and Instacart+.

Card particulars 

• International transaction charge: 3% of the quantity of every transaction in U.S. {dollars}
• Rewards: 5% money again on journey bought via Chase Final Rewards, 5% money again on Lyft purchases (via March 2025), 3% money again on eating (together with takeout and eligible supply service), 1.5% money again on all eligible purchases.
• Further perks and advantages: Buy safety, prolonged guarantee safety, journey cancellation/interruption insurance coverage, auto rental collision harm waiver, complimentary three-month DashPass and Instacart+ membership

For extra info take a look at our full review.

Greatest for first-year earnings: Uncover it Money Again

The Discover it® Cash Back affords a worth proposition much like the Chase Freedom Flex®, giving cardholders an opportunity to maximise rewards on a number of spending classes all year long. What’s extra, the cardboard’s welcome provide has important upside potential.

Why we like this card: The Uncover it® Money Again affords a aggressive 0% introductory APR promotion, with no curiosity for 15 months on purchases and stability transfers. After the promotional interval expires, your variable APR might be between 17.24%–28.24%, relying in your creditworthiness. 

The cardboard additionally affords 5% money again on on a regular basis purchases at totally different locations you store every quarter like grocery shops, eating places, gasoline stations, and extra, as much as the quarterly most whenever you activate. All different purchases will internet you 1% again.

What makes the cardboard stand out, nonetheless, is its distinctive welcome provide. As a substitute of providing you with a set money bonus after you meet a sure spending requirement, Uncover will match all of the money again you earn throughout the first 12 months—and there’s no restrict to how a lot additional money again you may earn.

As a cardholder, you’ll additionally get free entry to your FICO rating, and Uncover will show you how to defend your identification by eradicating your info from choose people-search web sites that would promote your information and alerting you when your Social Safety quantity is discovered on any of hundreds of darkish websites.

Card particulars 

• International transaction charge: None
• Rewards: 5% money again on on a regular basis purchases at totally different locations you store every quarter like grocery shops, eating places, gasoline stations, and extra, as much as the quarterly most whenever you activate, 1% again on all different purchases 
• Further perks and advantages: Free FICO rating entry, Social Safety quantity alerts, on-line privateness safety

For extra info take a look at our full review.

Greatest for versatile rewards: Financial institution of America Custom-made Money Rewards Card

The Financial institution of America® Custom-made Money Rewards bank card could be a nice alternative for people who find themselves searching for extra management over how they earn their cash-back rewards. The cardboard means that you can choose your prime bonus rewards class from an inventory of eligible choices.

Why we like this card:  With the Financial institution of America Custom-made Money bank card, you’ll take pleasure in an introductory 0% APR on purchases and stability transfers for 15 billing cycles, after which the variable APR ranges from 18.24% to twenty-eight.24%. You’ll additionally get a web-based $200 money rewards bonus after making not less than $1,000 in purchases within the first 90 days.

What makes the cardboard actually shine, although, is its customizable rewards. Extra particularly, you may earn 3% money again on the class of your alternative from the next record of choices: gasoline and EV charging stations; on-line purchasing, together with cable, web, cellphone plans and streaming; eating; journey; drug shops and pharmacies; or dwelling enchancment and furnishings. You may change your class as soon as a month or go away it as is.

Moreover, you’ll obtain 2% money again at grocery shops and wholesale golf equipment, and 1% money again on all different purchases. Simply take into account that your bonus rewards are capped at $2,500 in mixed purchases every quarter within the 3% and a couple of% classes. After that, you’ll earn 1% on all purchases. Should you’re a Most popular Rewards member, although, you may earn 25% to 75% more money again on each buy.

Card particulars 

• International transaction charge: 3%
• Rewards: 3% money again within the class of your alternative from an inventory of choices, 2% money again at grocery shops and wholesale golf equipment, 1% money again on all different purchases. (3% and a couple of% money again is earned on the primary $2,500 in mixed purchases every quarter within the alternative class, and at grocery shops and wholesale golf equipment, then earn limitless 1% thereafter.) 
• Further perks and advantages: Free FICO rating, Steadiness Join® for overdraft safety

For extra info take a look at our full review.

Greatest for journey rewards: Capital One VentureOne Rewards Card 

The Capital One VentureOne Rewards Credit Card could also be value contemplating if you wish to focus your efforts on incomes journey rewards and also you don’t desire a difficult rewards construction.

Why we like this card:  The Capital One VentureOne Rewards Credit score Card affords a formidable 0% APR on purchases and stability transfers for 15 months. After that, the APR rises to 19.99%–29.99% variable. 

As a brand new cardholder, you’ll additionally earn 20,000 miles after spending $500 on purchases inside 3 months from account opening Moreover, you’ll earn 5x miles on lodges and rental automobiles booked via Capital One Journey and 1.25x miles on each different buy.

When it’s time to redeem your journey rewards, you’ll get most flexibility. Choices embrace reserving via Capital One Journey and paying with miles, overlaying journey purchases utilizing your miles or transferring your miles to one in all a number of airline and lodge rewards applications. 

The cardboard additionally affords another perks, together with journey accident insurance coverage, rental automotive protection and unique entry to stay occasions and eating experiences.

Card particulars 

• International transaction charge: None
• Rewards: 5 miles per greenback on lodges and rental automobiles booked via Capital One Journey and 1.25 miles per greenback on all different purchases. 
• Further perks and advantages: Journey accident insurance coverage, rental automotive protection, prolonged guarantee safety, unique entry to occasions via Capital One Eating and Capital One Leisure

For extra info take a look at our full review.

Greatest for frequent purchases: Amex EveryDay

The Amex EveryDay® Credit Card from American Express could be a nice possibility for individuals who have a tendency to make use of their one bank card for all of their on a regular basis spending.

Why we like this card: The Amex EveryDay® Credit score Card affords new cardholders a 0% APR promotion on each purchases and stability transfers for 15 months, after which the APR jumps to 17.99%–28.99% variable, relying on creditworthiness. You can even earn 10,000 factors if you happen to spend $1,000 in first 3 months (Phrases apply). 

On an ongoing foundation, you’ll earn 2X factors per greenback on U.S. grocery store purchases ($6,000 restrict on purchases per 12 months, 1% thereafter), 2 factors per greenback on eligible journey purchases via AmexTravel.com and 1X factors per greenback on all different purchases. What’s extra, you may qualify for a 20% bonus whenever you make 20+ purchases in a billing cycle.

Just like the Capital One VentureOne Rewards Credit score Card, this one means that you can switch the Membership Rewards factors you earn to varied airline and lodge rewards applications, amongst different redemption choices. You’ll additionally get automotive rental loss and harm insurance coverage.

Card particulars 

• International transaction charge: 2.7%
• Rewards: 2X factors per greenback on U.S. grocery store purchases ($6,000 restrict on purchases per 12 months, 1% thereafter), 2 factors per greenback on eligible journey purchases via AmexTravel.com and 1X factors per greenback on all different purchases.
• Further perks and advantages: Automobile rental loss and harm insurance coverage

For extra info take a look at our full review.

What’s a 0% APR promotion?

Usually, bank cards received’t cost curiosity in your stability so long as you pay it in full each month. Should you carry a stability to the subsequent month, you’ll not solely be charged curiosity on the quantity you continue to owe however you’ll additionally lose your grace interval on new purchases till you pay it in full. 

For conditions the place you anticipate carrying a stability on a single giant buy or a number of smaller ones, a bank card with an introductory 0% APR promotion may help. These promotions usually give a brand new cardholder between 12 and 21 months after account opening to keep away from curiosity expenses on their purchases.

As soon as the promotional interval ends, the cardboard’s common APR will kick in. Should you nonetheless have a stability at that time, the usual APR will solely apply to the rest of that unpaid stability. You may distinction this function to deferred curiosity affords—widespread with retail promotional financing affords—which can cost you curiosity retroactively if you happen to don’t repay your unique buy in full by the tip of the promotional interval. 

Moreover, many 0% APR bank cards provide no-interest promotions on balance transfers. 

How do I qualify for a 0% APR bank card?

For probably the most half, 0% APR bank cards require good or glorious credit score to get authorized. Based on FICO, meaning having a credit score rating of 670 or above, however every card issuer has its personal standards for figuring out what qualifies, so assembly that threshold doesn’t assure approval.

Should you’re occupied with making use of for a 0% APR bank card, check your credit score first to get an thought of the place you stand and whether or not it’s worthwhile to make some enhancements earlier than you proceed. 

Is it attainable to lose a 0% APR promotion?

Sure. Zero p.c APR affords are usually contingent in your accountable card use. Should you miss a fee, for example, the cardboard issuer could determine to revoke your promotional provide. If this occurs, the cardboard’s common and even penalty APR could apply to your stability till you pay it in full.

When ought to I take advantage of a 0% APR bank card? 

A 0% APR bank card could be a nice alternative when you’ve got an upcoming expense that you could’t keep away from and also you’re unable to cowl the expense with money or repay the stability shortly. A number of the most typical makes use of for a 0% APR bank card embrace:

• Emergency bills
• Medical payments
• Marriage ceremony bills
• Funeral bills
• House renovations
• Vacation purchases

In case your card additionally affords a 0% APR stability switch promotion, you should utilize it to consolidate high-interest bank card debt. 

That mentioned, it’s vital to be aware of your scenario and targets when contemplating a 0% APR bank card. Whereas it’s not essential to pay your stability in full by the tip of the promotional interval—you’ll nonetheless get the financial savings from the interest-free interval—it’s greatest to attempt to repay the debt earlier than the common APR kicks in.

So, attempt to estimate what your bills might be, then divide that determine by the variety of months in your 0% APR promotion to find out how a lot to pay every month. For instance, if you happen to’re planning on spending $3,000 and you’ve got an 18-month 0% APR promotion, you’d need to pay roughly $167 per 30 days to keep away from curiosity expenses. 

Continuously Requested Questions 

Does a 0% APR promotion damage your credit score?

By itself, utilizing a 0% APR promotion received’t influence your credit score rating. Nevertheless, if you happen to rack up a big stability relative to your account’s credit score restrict, the ensuing high credit utilization rate might negatively have an effect on your credit score rating till you pay it down.

Moreover, making use of for and opening a brand new bank card will even influence the typical size of credit score historical past and new credit score facets of your credit score rating, which may have a brief unfavourable influence in your rating.

What bank card has the longest 0% rate of interest?

The Wells Fargo Mirror® Card and the U.S. Financial institution Visa® Platinum Card each provide no curiosity for 21 months, providing you with loads of time to repay even bigger balances.

What number of 0% curiosity playing cards can I get directly?

You may have as many 0% APR bank cards concurrently you’d like, so long as you will get authorized for them. That mentioned, it’s typically not a good suggestion to open a number of bank cards inside a brief time frame.

Making use of for and opening a number of credit score accounts in fast succession can negatively influence your credit score rating, and it can be a crimson flag for lenders who could surprise if you happen to’re having bother managing your funds with out debt. 

Moreover, utilizing a number of 0% APR bank cards directly could make it harder to maintain monitor of your balances and month-to-month funds, and presumably additionally make it more difficult to repay all your debt earlier than your promotional durations expire. To make issues easier, think about using simply one after the other. 

Our methodology 

To carry you our prime picks for the 0% APR bank cards, the Fortune Recommends workforce in contrast greater than 30 stability switch playing cards accessible from main issuers. 

We ranked every account in these six core classes: 

• Introductory 0% APR for purchases time period (45%): Essentially the most closely weighted consider our rankings was the size of time that the introductory 0% APR on purchases lasts.
• Introductory 0% APR stability switch time period (15%): Since a 0% APR charge on each purchases and stability transfers might assist with debt consolidation we additionally ranked any stability switch promotional charges. 
• Put up-promotional APR on purchases and stability transfers (10%): To make sure cardholders with an present stability as soon as the intro interval is over aren’t burdened by extreme rates of interest, we thought of the APR every card expenses for stability transfers and purchases after the promo charges finish.
• Rewards (20%): Playing cards that additionally present rewards (comparable to cash back or points) on spending got a lift in our rankings.
• Shopper advantages (10%): Playing cards have been awarded 0–5 factors primarily based on which client advantages/protections have been included: buy safety, prolonged guarantee, cellphone insurance coverage, automotive rental protection, and journey cancellation/interruption insurance coverage.

Understand that the rates of interest, stability switch phrases, and charge buildings for the playing cards talked about can be found for restricted durations and topic to vary. 

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Please be aware that card particulars are correct as of the publish date, however are topic to vary at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.

Phrases apply to American Categorical advantages and affords. Enrollment could also be required for choose American Categorical advantages and affords. Go to americanexpress.com to study extra.

Eligibility and Profit stage varies by Card. Phrases, Circumstances, and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.