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Best 0% Intro APR Credit Cards

CREDIT CARDS - 0% APR CREDIT CARDS
Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. Check out these featured card offers from our partners below.
Last updated June 13, 2024 | By FinanceBuzz Editors

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Discover it® Cash Back

0% intro APR + up to 5% cash back

4.7


With the Discover it® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2025 while earning cashback rewards indefinitely at 99% of merchants!

Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 18.24% - 28.24% Variable. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2025.

Annual Fee: $0

Click here to apply for the Discover it® Cash Back now.

Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & BALANCE TRANSFERS

4.9


Imagine getting 21 months from account opening with an intro 0% APR on balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, or 29.99% Variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect® Card now.

Wells Fargo Active Cash® Card

15 MONTHS OF 0% INTRO APR + EARN unlimited 2% cash rewards on purchases

5.0


If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash® Card now.

Bank of America® Travel Rewards credit card

Low Intro APR for 15 billing cycles + 25,000 bonus points

4.1


Don't let the name fool you, the Bank of America® Travel Rewards credit card is a balance transfer powerhouse. Transfer your high-interest credit card debt to this card and your payments can go directly towards paying down your balance for 15 billing cycles for any balance transfers made in the first 60 days.

New cardholders can enjoy an extended 0% intro APR period for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days. After the intro period, the APR is 19.24% - 29.24% Variable. That means you can focus on paying off your debt now and start enjoying the peace of mind that comes with saving money on interest.

But that’s not all, this card also offers a generous welcome bonus - 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.

Annual fee: $0

Click here to apply for the Bank of America® Travel Rewards credit card now.

Discover it® Chrome

0% Intro APR For 18 months + up to 2% cash back at gas stations

4.2


A card like this could be a godsend if you're trapped in debt that you're trying to pay off. It's called the Discover it® Chrome, and it's offering something incredible: 18 months of intro 0% APR on balance transfers! (Then 18.24% - 28.24% Variable.) 

Transfer any of your debt that's rapidly accruing interest to this card, so you can take advantage of the 0% intro APR on balance transfers for 18 months. By transferring your debt, you can skirt around aggressive interest rates — and save potentially hundreds in charges.

Even better: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. And, Discover will match all the cash back you’ve earned at the end of your first year.

You'll also receive a much-welcome intro APR of 0% for 6 months on purchases. After the intro period for purchases and balance transfers, the APR is 18.24% - 28.24% Variable. The annual fee is a cool $0 for the Discover it® Chrome(Rates and fees).

Click here to apply now to the Discover it® Chrome

Bank of America® Unlimited Cash Rewards credit card

Low Interest on Purchases and Qualifying Balance Transfers Until 2025

4.5


If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 19.24% - 29.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America® Unlimited Cash Rewards credit card now.

Chase Freedom Unlimited® Card

0% intro APR for 15 months + up to 6.5% cash back

4.7


Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited® Card!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until September 2025 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 6.5% cash back on travel purchased through Chase Travel, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, 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. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Click here to apply for the Chase Freedom Unlimited® Card now.

Bottom Line

The Discover it® Cash Back(Rates and fees) is a great choice for a cash back credit card. Cardholders can benefit from a generous welcome offer, earn up to 5% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all without an annual fee.

  • Cash Back Rewards: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Amazing Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.
  • No Caps on Bonus Rewards: There is no minimum spending threshold and no maximum to the amount of cash back rewards you can earn with the first-year bonus. 

  • Low Intro APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After the intro period, the APR is 18.24% - 28.24% Variable.
  • $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.

» Click here to apply now

Up To 5% Cash Back

Benefits

Card Details

  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Intro APR on purchases and balance transfers
  • Discover will match all the cash back you’ve earned at the end of your first year.
  • No foreign transaction fees
  • Apply Now
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Cash Back
4.7
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Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

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Why we like it

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.