Last updated July 6, 2025 | By FinanceBuzz Editors


Today's Top Credit Cards

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2025 award winner Best for Dining Out

Chase Freedom Unlimited®

4.7
info

on Chase’s website

Intro APR
Purchases:
0%, 15 months
Balance Transfers:
0%, 15 months
Regular APR
18.99% - 28.49% Variable
Annual Fee
$0
Rewards Rate
1.5% - 5% info
Cash Back
Why We Like It
  • Solid flat-rate rewards on most purchases, with elevated rates on select travel, drugstore, and dining purchases

  • Impressive intro APR offer on purchases and balance transfers, great for covering large purchases or paying down debt

  • Good purchase protections and coverage, all for no annual fee

on Chase’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details

Excellent for high-rate cash back categories

Discover it® Cash Back

4.7
info

on Discover’s website

Intro APR
Purchases:
0%, 15 months
Balance Transfers:
0%, 15 months
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Rewards Rate
1% - 5% info
Cash back
Why We Like It
  • Ability to earn a high reward rate on common rotating spending categories each quarter

  • Generous welcome offer that effectively doubles all the cash back you've earned at the end of your first year

on Discover’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details

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2025 award winner Best 0% Intro APR Credit Card

Wells Fargo Reflect® Card

4.9
info

on Wells Fargo’s website

Intro APR
Purchases:
0%, 21 months from account opening
Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable
Annual Fee
$0
Rewards Rate
N/A
Why We Like It
  • Enjoy 21 months of introductory no interest on purchases and qualifying balance transfers from account opening. Following the intro period, the APR is 17.24%, 23.74%, or 28.99% Variable

  • Up to $600 cell phone protection against damage or theft when you pay your cell phone bill with your card (subject to a $25 deductible)

  • No annual fee

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details

Excellent for paying down debt

Citi® Diamond Preferred® Card

4.4
info

on Citi’s website

Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
0%, 21 months from date of account opening
Regular APR
17.24% - 27.99% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
  • The Citi® Diamond Preferred® Card is a great option if you need to finance a large purchase or have existing credit card debt and would like to pay it down over time.

  • Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account opening and a 0% intro APR on balance transfers for 21 months from date of account opening (balance transfers must be completed within 4 months of account opening). After that, the regular 17.24% - 27.99% (Variable) APR will apply.

  • In addition to its introductory APR, this card also has no annual fee, making it a solid option to hold onto each year.

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details
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2025 award winner Best for Balance Transfers

Citi Simplicity® Card

4.5
info

on Citi’s website

Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
0%, 21 months from date of account opening
Regular APR
18.24% - 28.99% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
  • Extra-long 0% intro APR on balance transfers for 21 months from date of account opening. Following the intro period, the APR is 18.24% - 28.99% (Variable). Balance transfers must be completed within 4 months of account opening

  • No late fees, no penalty rate, and no annual fee

  • Includes access to Citi Entertainment, which offers exclusive presales to thousands of events

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details
Excellent for high flat-rate cash back rewards

Citi Double Cash® Card

5.0
info

on Citi’s website

Intro APR
Purchases:
N/A, N/A
Balance Transfers:
0%, 18 months
Regular APR
18.24% - 28.24% (Variable)
Annual Fee
$0
Rewards Rate
2% - 5% info
Cash back
Why We Like It
  • Simple unlimited cash back rewards on every purchase with no annual fee

  • Lengthy intro APR offer on balance transfers, great for tackling high-interest debt

  • Includes access to Citi Entertainment, which offers exclusive presales to thousands of events

on Citi’s website

Recommended Credit info
Fair to Excellent (580 - 850)
Show All Card Details
Excellent for travel + intro purchase and balance transfer perks

Capital One VentureOne Rewards Credit Card

4.0
info

on Capital One’s website

Intro APR
Purchases:
0%, 15 months
Balance Transfers:
0%, 15 months
; Balance transfer fee applies
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0
Rewards Rate
1.25X - 5X info
Miles
Why We Like It
  • Earn unlimited travel rewards with $0 annual fee

  • Long intro APR period to help fund your next purchase or tackle debt

  • Access to great prices on thousands of flights, hotels, and more through Capital One Travel

on Capital One’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details
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2025 award winner Best Overall Cash Back Credit Card

Wells Fargo Active Cash® Card

5.0
info

on Wells Fargo’s website

Intro APR
Purchases:
0%, 12 months from account opening
Balance Transfers:
0%, 12 months from account opening on qualifying balance transfers
Regular APR
19.24%, 24.24%, or 29.24% Variable
Annual Fee
$0
Rewards Rate
2% info
Cash rewards
Why We Like It
  • Flat-rate unlimited cash rewards on eligible purchases

  • Intro APR offers on purchases and qualifying balance transfers to help avoid interest

  • Redemption perks for eligible Wells Fargo accounts, including loan or mortgage credits or cash via an ATM

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details
Excellent for easy travel rewards redemption

Bank of America® Travel Rewards credit card

4.4
info

on Bank of America’s website

Intro APR
Purchases:
0%, 15 billing cycles
Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24% - 28.24% Variable
Annual Fee
$0
Rewards Rate
1.5X - 3X info
Points
Why We Like It
  • Simple, flat-rate rewards with up to 75% Bank of America Preferred Rewards® bonus potential.

  • Lengthy intro APR offer for purchases and qualifying balance transfers, helpful for covering large purchases or paying down high-interest debt.

  • No annual or foreign transaction fee.

on Bank of America’s website

Recommended Credit info
Good to Excellent (670 - 850)
Show All Card Details

Bottom Line

The Chase Freedom Unlimited®(Rates and fees) is a great choice for almost everyone. Cardholders can benefit from a generous cash back program while also enjoying 0% intro APR for 15 months from account opening on balance transfers and purchases (APR then 18.99% - 28.49% Variable) — all without an annual fee.

  • Cash rewards: Cardholders can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
  • Intro APR: Enjoy a 0% introductory APR on purchases and balance transfers for 15 months. After the intro period the APR is 18.99% - 28.49% Variable.
  • No annual fee: The Freedom Unlimited card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
  • Welcome bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Recommended Credit Score info
Good
670-739
Excellent
740-850


Click here to apply for Chase Freedom Unlimited® now.

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2025 award winner Best for Dining Out

Benefits

Card Details

  • Base rewards rate of 1.5%
  • $0 annual fee
  • Ability to transfer cash back to other Ultimate Rewards cards
  • Intro APR offers for purchases and balance transfers
  • Apply Now
  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, 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 1.5% 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!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • 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, alerts, and more.
  • Member FDIC
Chase Freedom <span class='whitespace-nowrap'>Unlimited<sup>®</sup></span>
4.7
info
Apply Now

on Chase’s secure website

Read Card Review

Intro Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

+

Why we like it



Frequently Asked Questions

Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.

Are no interest 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.

Who can benefit from a card with a 0% intro APR offer?

Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:

  • People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
  • People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.

What happens when a 0% intro APR offer ends?

When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.

How is APR different from interest?

APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.



How we chose these cards

FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.