The Best 0% Intro APR Credit Cards of December 2022

You can save big money with these 0% introductory APR credit cards.
Last updated Dec. 2, 2022 | By Miranda Marquit | Edited By Ben Walker, CEPF
Smiling woman holding credit card

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The average credit card interest rate is around 15% according to the Federal Reserve. If you’re not paying your credit card balance in full each month, interest costs can creep up quickly and make a major dent in your budget.

One way to save, especially if you’re trying to pay down high-interest credit card debt or make a large purchase, is to use a 0% introductory annual percentage rate (APR) credit card. These cards provide you with a 0% intro APR for a set period of time. Often this low intro APR can last for 12 months, but some credit card offers might include an intro period of up to 18 months. And as long as you pay off your balance before the end of that period, you can avoid paying interest charges altogether.

If you’re looking for the best 0% intro APR credit cards, consider the fantastic options below.

In this article

The best 0% intro APR credit cards

Compare the best 0% intro APR credit cards

There are plenty of great low interest credit cards out there. Here is a look at some of the best options available today from a variety of credit card issuers:

Card name Intro balance transfer APR details Intro purchase APR details Welcome bonus Annual fee
Wells Fargo Reflect® Card 0% intro APR for up to 21 months from account opening on qualifying balance transfers (then 16.74% - 28.74% variable) 0% intro APR on purchases for up to 21 months from account opening (then 16.74% - 28.74% variable) N/A $0
Chase Freedom Unlimited® 0% intro APR on balance transfers for 15 months, and then 17.99% to 26.74% (variable) 0% intro APR on purchases for 15 months, and then 17.99% to 26.74% (variable) Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year $0
Wells Fargo Active Cash® Card 0% intro APR for 15 months from account opening on qualifying balance transfers (then 18.74%, 23.74%, or 28.74% variable) 0% intro APR on purchases for 15 months from account opening (then 18.74%, 23.74%, or 28.74% variable) $200 cash rewards bonus after spending $1,000 in the first 3 months $0
Ink Business Cash® Credit Card N/A 0% intro APR for 12 months on purchases, then 16.24% to 22.24% (variable) Earn $900 bonus cash back after spending $6,000 in the first 3 months (limited time offer) $0
BankAmericard® credit card 0% intro APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days (then 15.74% - 25.74% (variable)) 0% intro APR on purchases for 21 billing cycles (then 15.74% - 25.74% (variable)) N/A $0
Bank of America® Unlimited Cash Rewards credit card 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 17.74% - 27.74% (variable)) 0% intro APR on purchases for 18 billing cycles (then 17.74% - 27.74% (variable)) Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening $0
Bank of America® Travel Rewards credit card 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 17.74% - 27.74% (variable)) 0% intro APR on purchases for 18 billing cycles (then 17.74% - 27.74% (variable)) Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases $0
Capital One Quicksilver Cash Rewards Credit Card 0% intro APR for 15 months on balance transfers, then 17.99% - 27.99% (variable); 3% fee on balances transferred within the first 15 months 0% intro APR for 15 months on purchases, then 17.99% - 27.99% (variable) Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening $0
Blue Cash Everyday® Card from American Express 0% intro APR for 15 months on balance transfers (then 17.74% to 28.74% (variable)) 0% intro APR for 15 months on purchases (then 17.74% to 28.74% (variable)) Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months $0 (Terms apply)
Citi Custom Cash℠ Card 0% intro APR for 15 months on balance transfers (then 17.74% to 27.74% (variable)) 0% intro APR for 15 months on purchases (then 17.74% to 27.74% (variable)) Earn $200 cash back after spending $1500 on purchases in the first 6 months $0
Chase Freedom Flex℠ 0% intro APR for 15 months on balance transfers (then 17.99% to 26.74% (variable)) 0% intro APR for 15 months on purchases (then 17.99% to 26.74% (variable)) Earn $200 cash back after spending $500 on purchases in the first 3 months $0
U.S. Bank Visa® Platinum Card 0% intro APR for 18 billing cycles on balance transfers (then 18.24% to 28.24% (variable)) 0% intro APR for 18 billing cycles on purchases (then 18.24% to 28.24% (variable)) N/A $0
Citi® Diamond Preferred® Card 0% intro APR for 21 months on balance transfers (then 16.74% to 27.49% (variable)) 0% intro APR for 12 months on purchases (then 16.74% to 27.49% (variable)) N/A $0
Capital One SavorOne Cash Rewards Credit Card 0% intro APR for 15 months on balance transfers (then 17.99% - 27.99% (variable)); 3% fee on balances transferred within the first 15 months 0% intro APR for 15 months on purchases (then 17.99% - 27.99% (variable)) Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening $0
Citi Simplicity® Card 0% intro APR for 21 months on balance transfers (then 17.74% to 28.49% (variable)) 0% intro APR for 12 months on purchases (then 17.74% to 28.49% (variable)) N/A $0

Wells Fargo Reflect® Card: Best for longest intro APR period

Introductory APR offer on balance transfers: 0% intro APR for up to 21 months from account opening on qualifying balance transfers (then 16.74% - 28.74% variable)

Introductory APR offer on purchases: 0% intro APR on purchases for up to 21 months from account opening (then 16.74% - 28.74% variable)

The Wells Fargo Reflect® Card has excellent intro APR offers for qualifying balance transfers and purchases, including one of the longest intro APR periods available. It doesn’t offer rewards, but it has a $0 annual fee and provides cell phone protection.

Learn more in our Wells Fargo Reflect review.

Chase Freedom Unlimited®: Best for rewards

Introductory APR offer on balance transfers: 0% intro APR on balance transfers for 15 months, and then 17.99% to 26.74% (variable)

Introductory APR offer on purchases: 0% intro APR on purchases for 15 months, and then 17.99% to 26.74% (variable)

The Chase Freedom Unlimited® provides useful intro APR offers for both balance transfers and purchases. Even better, the Freedom Unlimited has a $0 annual fee and you can earn valuable Chase points at a rate of 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases.

You can also take advantage of this welcome bonus: Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year.

Check out our Chase Freedom Unlimited review.

Wells Fargo Active Cash® Card: Best for flat-rate cash rewards

Introductory APR offer on balance transfers: 0% intro APR for 15 months from account opening on qualifying balance transfers (then 18.74%, 23.74%, or 28.74% variable)

Introductory APR offer on purchases: 0% intro APR on purchases for 15 months from account opening (then 18.74%, 23.74%, or 28.74% variable)

The Wells Fargo Active Cash® Card provides worthwhile intro APR offers on qualifying balance transfers and purchases. It also has a $0 annual fee and offers unlimited 2% cash rewards on purchases. For its welcome bonus, you can earn $200 after spending $1,000 in the first 3 months.

Read our Wells Fargo Active Cash review.

Ink Business Cash® Credit Card: Best for business

Introductory APR offer on purchases: 0% intro APR for 12 months on purchases, then 16.24% to 22.24% (variable)

The Ink Business Cash® Credit Card provides an intro APR offer on purchases, which could help with large business expenses. It also has a $0 annual fee and you can earn $900 cash back after spending $6,000 in the first 3 months.

The earning rate for the Ink Business Cash includes 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 5% cash back on Lyft; 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else.

Learn more in our Chase Ink Cash Business Credit Card review.

BankAmericard® credit card: Best for balance transfers

Introductory APR offer on balance transfers: 0% intro APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days (then 15.74% - 25.74% (variable))

Introductory APR offer on purchases: 0% intro APR on purchases for 21 billing cycles (then 15.74% - 25.74% (variable))

The BankAmericard® credit card doesn’t typically have a welcome bonus or offer any rewards. But it has a $0 annual fee and provides top intro APR offers for qualifying balance transfers and purchases. There’s also no penalty APR for late payments.

Check out our BankAmericard credit card review.

Bank of America® Unlimited Cash Rewards credit card: Best for elevated cash back

Introductory APR offer on balance transfers: 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 17.74% - 27.74% (variable))

Introductory APR offer on purchases: 0% intro APR on purchases for 18 billing cycles (then 17.74% - 27.74% (variable))

The Bank of America® Unlimited Cash Rewards credit card has two excellent intro APR offers for qualifying balance transfers and purchases. It also has a $0 annual fee and offers unlimited 1.5% cash back on all purchases. And if you’re a Bank of America Preferred Rewards member, you can earn 25% to 75% more cash back on your purchases.

For its welcome bonus, you can earn a $200 cash rewards bonus after spending $1,000 in the first 90 days of account opening.

Read our Bank of America Unlimited Cash Rewards review.

Bank of America® Travel Rewards credit card: Best for travel

Introductory APR offer on balance transfers: 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 17.74% - 27.74% (variable))

Introductory APR offer on purchases: 0% intro APR on purchases for 18 billing cycles (then 17.74% - 27.74% (variable))

The Bank of America® Travel Rewards credit card has two useful intro APR offers on qualifying balance transfers and purchases. It also has a $0 annual fee and offers 1.5 points per $1 spent on all purchases. These points are flexible and can be redeemed for flights, hotel stays, restaurant purchases, and more.

You can also earn 25,000 points after spending $1,000 in the first 90 days of account opening.

Learn more in our Bank of America Travel Rewards credit card review.

Capital One Quicksilver Cash Rewards Credit Card: Best for simple cash back

Introductory APR offer on balance transfers: 0% intro APR for 15 months on balance transfers, then 17.99% - 27.99% (variable); 3% fee on balances transferred within the first 15 months

Introductory APR offer on purchases: 0% intro APR for 15 months on purchases, then 17.99% - 27.99% (variable)

The Capital One Quicksilver Cash Rewards Credit Card is a rewards card with a $0 annual fee that earns cash back and has intro APR offers on balance transfers and purchases. The cashback rate is 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

You can also earn $200 cash bonus after spending $500 in the first 3 months.

Check out our Capital One Quicksilver Cash Rewards review.

Blue Cash Everyday® Card from American Express: Best for gas and groceries

Introductory APR offer on balance transfers: 0% intro APR for 15 months on balance transfers (then 17.74% to 28.74% (variable))

Introductory APR offer on purchases: 0% intro APR for 15 months on purchases (then 17.74% to 28.74% (variable))

The Blue Cash Everyday® Card from American Express is an excellent choice for its two intro APR offers on balance transfers and purchases, as well as for earning cash back on everyday expenses.

It has a $0 annual fee and offers 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases.

You can also earn a up to $250 in statement credits ($100 plus earn 20% back up to $150 when using your card to shop at PayPal) after spending $2,000 in the first 6 months.

Read our Blue Cash Everyday Card from American Express review.

Citi Custom Cash℠ Card: Best for custom cash back

Introductory APR offer on balance transfers: 0% intro APR for 15 months on balance transfers (then 17.74% to 27.74% (variable))

Introductory APR offer on purchases: 0% intro APR for 15 months on purchases (then 17.74% to 27.74% (variable))

The Citi Custom Cash℠ Card allows you to customize how you earn rewards. It has a $0 annual fee offers 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases.

You can also earn $200 cash back after spending $1,500 in the first 6 months.

Learn more in our Citi Custom Cash Card review.

Note: If you want simpler cashback rewards on a 0% intro APR card, then you might want to check out the Citi® Double Cash Card - 18 month BT offer instead.

Chase Freedom Flex℠: Best for rewards on rotating categories

Introductory APR offer on balance transfers: 0% intro APR for 15 months on balance transfers (then 17.99% to 26.74% (variable))

Introductory APR offer on purchases: 0% intro APR for 15 months on purchases (then 17.99% to 26.74% (variable))

The Chase Freedom Flex℠ is a rewards card with two helpful intro APR offers. It has a $0 annual fee and provides maximum rewards when used for purchases in its rotating categories.

The rewards rate is 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases.

You can also earn $200 after spending $500 in the first 3 months.

Check out our Chase Freedom Flex review.

U.S. Bank Visa® Platinum Card: Best for cell phone protection

Introductory APR offer on balance transfers: 0% intro APR for 18 billing cycles on balance transfers (then 18.24% to 28.24% (variable))

Introductory APR offer on purchases: 0% intro APR for 18 billing cycles on purchases (then 18.24% to 28.24% (variable))

The U.S. Bank Visa® Platinum Card doesn’t typically have a welcome bonus or offer any rewards on purchases. But it has a $0 annual fee and excellent intro APR offers on balance transfers and purchases.

Additionally, you can use the U.S. Bank Visa Platinum to pay your credit card bill and receive cell phone protection to cover damaged or stolen phones.

Read our U.S. Bank Visa Platinum Card review.

Citi® Diamond Preferred® Card: Best for long intro APR period on balance transfers

Introductory APR offer on balance transfers: 0% intro APR for 21 months on balance transfers (then 16.74% to 27.49% (variable))

Introductory APR offer on purchases: 0% intro APR for 12 months on purchases (then 16.74% to 27.49% (variable))

The Citi® Diamond Preferred® Card doesn’t typically have a welcome bonus or offer any rewards on purchases. But it has a $0 annual fee and one of the longest intro APR periods on balance transfers. This makes it one of the best balance transfer cards available.

Learn more in our Citi Diamond Preferred review.

Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment

Introductory APR offer on balance transfers: 0% intro APR for 15 months on balance transfers (then 17.99% - 27.99% (variable)); 3% fee on balances transferred within the first 15 months

Introductory APR offer on purchases: 0% intro APR for 15 months on purchases (then 17.99% - 27.99% (variable))

The Capital One SavorOne Cash Rewards Credit Card provides above-average intro APR offers on balance transfers and purchases. And it has a $0 annual fee and offers $200 cash bonus after spending $500 in the first 3 months.

You can also earn 3% cash back on dining and entertainment, popular streaming services, and at grocery stores; 5% back on hotels and rental cars booked through Capital One Travel; 8% cash back on Capital One Entertainment purchases; 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); and 1% cash back on all other purchases.

Check out our Capital One SavorOne Cash Rewards review.

Citi Simplicity® Card: Best for no late fees

Introductory APR offer on balance transfers: 0% intro APR for 21 months on balance transfers (then 17.74% to 28.49% (variable))

Introductory APR offer on purchases: 0% intro APR for 12 months on purchases (then 17.74% to 28.49% (variable))

The Citi Simplicity® Card is nearly identical to the Citi Diamond Preferred. It has a long intro APR on balance transfers, a $0 annual fee, and doesn’t typically have a welcome bonus or earn rewards. But the Citi Simplicity also has no late fees.

Read our Citi Simplicity Card review.

How to choose the best 0% introductory APR credit card

When choosing the best 0% intro APR credit card, it’s important to look at your situation and goals. For example, will you be using the card for a big purchase? Or are you planning to use it to help pay down your credit card debt?

If you’re looking to finance a large purchase, opt for a credit card that offers a 0% introductory APR on new purchases. On the other hand, if you’re hoping to transfer an existing balance from another card, a 0% introductory APR on balance transfers will help you tackle your principal faster. Some cards offer both perks, though introductory periods can vary.

Here are a few other things to keep in mind as you consider 0% intro APR credit cards:

  • Length of the introductory period: Find out how long the introductory period is. Some credit cards, like the Citi Simplicity card, come with a introductory APR on balance transfers for 21 months (then 17.74% to 28.49% (variable)). The longer your introductory period, the more likely you are to avoid interest payments. Any amount not paid off at the end of your intro period will be subject to your card's regular variable APR.
  • Balance transfer fee: Pay attention to the balance transfer fee, as it’s common to see a fee of 3% or 5% of the amount of each transfer. Run the numbers to determine if your interest savings will offset any balance transfer fee, and keep in mind that some cards will also waive this fee if you complete your balance transfer within a set period.
  • Welcome offer: While a welcome offer isn’t everything, it is definitely worth considering as you shop around for a credit card. For instance, you might opt for a card like the American Express Blue Cash Everyday, which has this welcome offer: Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months.
  • Monthly payments: Always be sure to make your monthly payments on or before the due date. If you make a late payment, you'll not only be hit with unnecessary late fees, but you could lose the benefit of your intro APR. You might even be charged a penalty APR that is higher than normal. So at least be sure to always make your minimum payment.
  • Other rewards and perks: In some cases, it might make sense to get a card that you’ll keep using after the introductory period ends. Take a detailed look at each cards rewards program. Consider if a cash back card or a travel rewards card fits your lifestyle better. Check to see if the card has any additional benefits like no foreign transaction fees, extended warranty protection, or statement credits for certain types of spending or with certain retail partners.

Think about your goals, compare a few cards, and narrow down your options before you apply for a new card. Figure out how much you need to pay each month so that your entire balance is down to zero before the end of your introductory period when the variable rate of interest kicks in.

Why we chose these cards (methodology)

We chose these zero-interest credit cards for their relatively long introductory rates, along with some of their other perks. This list contains a mix of cards that offer rotating, tiered, and flat cashback programs, as well as cards that don’t offer rewards, but do offer longer 0% introductory APR periods. We created this list for consumers with different needs and preferences in order to help them find a card to achieve their long-term financial goals.

FAQs

Are 0% intro APR credit cards worth it?

If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.

What’s the best 0% intro APR credit card?

Some of the best credit cards with a 0% intro APR offer include:

However, the best credit card is one that you’re likely to use and that meets your individual needs. Carefully consider what’s likely to work best for you.

Can a 0% intro APR credit card damage your credit?

Depending on how you manage your credit, any card could potentially be a problem, including a credit card with an introductory offer. If you use too much of your available credit and cancel your old card, it could reduce your credit score, thanks to credit utilization. Additionally, if you miss payments on your card, you could see a lower credit score. That said, a 0% intro APR credit card also has the potential to help your credit score because it might enable you to pay down your credit card debt faster.


The bottom line on the best 0% intro APR credit cards

What is the best 0% intro APR credit card for you? In the end, it’s all about what is most compatible with your goals and priorities. A good credit card can complement your budget, provide you with cash back or travel rewards, help you manage your money, and maybe even provide a welcome bonus. Thankfully, a lot of credit card companies offer these cards, so you have a number of offers to pick from. 

If you are a small business owner, you might also want to check out the best 0% intro APR business credit cards.

To get the most out of a new credit card with an interest-free period though, it’s important to pay your bill on time, focusing on responsible use to build your credit score, pay down your debt or purchases, and make the most of your spending.

Lucrative, Flat-Rate Cash Rewards

Current Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • Intro APR on purchases and balance transfers
  • $0 annual fee

Drawbacks

  • Has foreign transaction fee
  • No bonus categories
Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Author Details

Miranda Marquit Miranda Marquit has been covering money for more than a decade and is a nationally-recognized financial expert and journalist, appearing on CNBC, NPR, Forbes, Yahoo! Finance, FOX Business, and numerous other outlets.