Top No-Interest Credit Card: Low Intro APR Until Nearly 2026

It’s rare to find a card that earns travel rewards and provides introductory APR offers — let alone a low intro APR until nearly 2026. But that’s exactly what the Capital One VentureOne Rewards Credit Card(Rates and fees) offers.

This card is a top pick from the FinanceBuzz editors because of its simple rewards rate and long 0% intro APR for purchases and balance transfers for 15 months (Balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period)— all with no annual fee.

Top Pick

Capital One VentureOne Rewards Credit Card

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FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Capital One's secure website

Rates & Fees

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What you need to know:

• 0% intro APR for purchases and balance transfers until nearly 2026 (Balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period) 
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening
• Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel
• $0 annual fee

The Capital One VentureOne Rewards stands out from other travel cards with its lengthy 15 months of 0% intro APR on purchases and balance transfers, then 19.99% - 29.99% (Variable). Balance transfer fee applies.

4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates & Fees

Top Pick

Capital One VentureOne Rewards Credit Card

Apply Now

on Capital One's secure website

Card Details

• $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 Like It

If you don’t travel often but still want to earn rewards you can use toward future trips, check out the Capital One VentureOne Rewards Credit Card. It has no annual fee and a generous welcome offer for new cardmembers.

You’ll earn an unlimited 1.25 miles per dollar spent. There’s no need to worry about spending categories or spending caps; you’ll earn the same rewards rate on every purchase you make.

The card also offers a 0% introductory APR for 15 months on purchases and balance transfers, then 19.99% - 29.99% (variable) APR, giving you over a year to pay off major charges and transfers without paying interest fees. A balance transfer fee applies.

What we love about this powerful credit card

Where this card really shines is its 0% intro APR for purchases and balance transfers for 15 months, (balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period), plus its straightforward earning potential.

With a long intro APR period, you can catch your breath if you need to make a large purchase. That gives you plenty of time to pay off your debt while avoiding interest.

You also don’t have to stress about loads of different spending categories because you’ll earn at least 1.25 miles per dollar on every purchase, every day, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel. 

More benefits and perks

• 0% intro APR for 15 months: With this card you’ll get a long no-interest period — 0% intro APR for purchases and balance transfers for 15 months! (Balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period.)
  
• Plenty of redemption options: Enjoy the flexibility of redeeming your miles for transfers to travel partners, booking travel through Capital One Travel, covering past travel purchases, or receiving cash back.
• Transfer partners: Give yourself more choices on how to use your miles. You can transfer miles to over 15 travel partners, including Air France KLM, British Airways, and Choice Hotels.
• No foreign transaction fees: Avoid paying foreign transaction fees on international purchases, making your trips abroad more fun (and affordable).
• No annual fee: With a $0 annual fee, the Capital One VentureOne helps you hold onto your money.

Apply online now

Enjoy a low intro APR until nearly 2026

This card allows you to enjoy a long 0% intro APR for purchases and balance transfers for 15 months — not always common for cards of this caliber that also offer strong travel rewards and bonus miles. (Balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period.)

With this long intro APR, you’re able to make a large purchase and not have to worry about accruing interest right away, giving you plenty of time to pay off your debt.

If you’re eyeing a luxurious vacation or any other expensive purchase, but don’t want to accrue interest by financing the cost, this card could be a great fit. 

How to secure up to $731 in the first year

The FinanceBuzz editors have created a valuation formula to help you compare rewards between cards. We estimate the value of this card to be up to $731 in the first year.¹

Securing up to $731 in year one value is easy: Simply pay attention to how much you spend and in which categories you spend. You’ll earn 1.25 miles per dollar on every purchase, every day, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

This is an estimated value — your actual earnings will depend on how much you spend in a typical year. You could increase your value with savvy use of the card’s transfer partners and higher spending categories.

Who is this card best for?

The Capital One VentureOne is a great choice for anyone who:

• Wants to pay down debt: With a long intro APR, you’re able to make large purchases without accruing interest right away, giving you plenty of time to pay off your debt. 
  
• Has at least a good credit score: We recommend having a good or excellent credit score to increase your chances of approval for the Capital One VentureOne.
• Prefers a simple earning rate: With limited bonus categories, it’s easy to know what you’re earning on different purchases at any given time.
• Doesn't want to be tied to one airline or hotel chain:  How you fly and where you stay is up to you since Venture miles aren’t tied to a specific airline or hotel. 
• Likes to get out and have fun: Receive special access to a variety of music, sporting, and dining events through the Capital One Entertainment portal.

Bottom line

The Capital One VentureOne Rewards is a great choice if you want multiple intro APR offers and a simple way to earn travel rewards on everyday purchases — all with no annual fee.

• 0% intro APR for purchases and balance transfers for 15 months: With this card you’ll get a long no-interest period — 0% intro APR for 15 months. (Balance transfer fee applies, 19.99% - 29.99% (Variable) APR after intro period.)
• Early spend bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.
• Simple earning: Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
• Lack of fees: The Capital One VentureOne has a $0 annual fee and no foreign transaction fees, helping you keep your money in your wallet.

>> Click here to apply now and start earning the 20,000 miles early spend bonus

0% Intro APR for 15 months

Capital One VentureOne Rewards Credit Card

Benefits

Card Details

• $0 annual fee
• Simple and elevated rewards on every purchase
• Flexible redemption options
• Intro APR offers on purchases and balance transfers
• No foreign transaction fees
• Apply Now

• $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

4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Capital One’s secure website

Rates and fees

Read Card Review

Intro Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening

Annual Fee

$0

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Why we like it

• If you don’t travel often but still want to earn rewards you can use toward future trips, check out the Capital One VentureOne Rewards Credit Card. It has no annual fee and a generous welcome offer for new cardmembers.

• You’ll earn an unlimited 1.25 miles per dollar spent. There’s no need to worry about spending categories or spending caps; you’ll earn the same rewards rate on every purchase you make.

• The card also offers a 0% introductory APR for 15 months on purchases and balance transfers, then 19.99% - 29.99% (variable) APR, giving you over a year to pay off major charges and transfers without paying interest fees. A balance transfer fee applies.

• Apply Now