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Best 0% APR Credit Cards & No Interest Intro Offers of December 2023

Review Updated
Lyle Daly
Brittney Myers
By: Lyle Daly and Brittney Myers Our Credit Cards Experts
Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

What's better than taking that dream vacation, or finally getting that big ticket wish list item? Not having to pay for it right away; enter the 0% intro APR credit card!

These types of credit cards offer zero interest for an introductory period, meaning you don't rack up interest during a set period of time. The best no interest credit cards can give you up to 21 months with no interest on purchases and/or balance transfers, before you start accruing interest on your credit card balance.

Best 0% intro APR credit cards by category

Here's our standout picks for no interest credit cards:
  • Best no interest credit card for rewards: Wells Fargo Active Cash® Card (see ) - it offers rewards, a sign-up bonus and competitive 0% introductory purchase & balance transfer terms -- it's also our award winner for best no annual fee credit card!
  • Best 0% interest card for balance transfers: Discover it® Balance Transfer (see ) - get a long 0% APR introductory period (after which the go-to rate applies) and a low introductory balance transfer fee (which increases after the intro period).
  • Best 0% APR card for making large purchases: Wells Fargo Reflect® Card (see ) - this card also hits our list for best no interest balance transfer credit cards!

Best 0% APR Credit Cards
Show The List [+] Hide The List [-]

Wells Fargo Active Cash® Card
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Award Icon 2023 Award Winner

Wells Fargo Active Cash® Card

Great for: Unlimited cash back
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • A standout cash back card that has no annual fee and comes with a competitive cash rewards welcome offer and 0% intro APR offer. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • Card perks
    • Free FICO® Score updates
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; 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.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Discover it® Balance Transfer

Great for: Balance transfers and cash back
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

17.24% - 28.24% Variable APR

Rewards Circle with letter I in it. 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.

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match™️

  • Get the best of both worlds with a great intro APR on balance transfers and valuable cash back rewards. Read Full Review

    • Great intro APR offer
    • Sign-up bonus offer
    • Robust cash back program
    • No annual fee
    • FICO® Score for free
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match – 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.
    • 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.
    • Every $1 you earn in cash back is $1 you can redeem
    • No annual fee.
    • Terms and conditions apply.

Wells Fargo Reflect® Card

Great for: Long 0% intro APR
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards

N/A

Annual Fee

$0

  • A clear leader with a 0% intro APR offer that is among the longest we've come across. Read Full Review

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
    • $0 Annual Fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Citi Simplicity® Card

Great for: No Penalty APR or late payment fee
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

19.24% - 29.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.

Lower intro balance transfer fee

  • With a long 0% intro APR offer, no late fees, no annual fee, and no penalty rate, this card is an unmatched pick. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
    • Stay protected with Citi® Quick Lock.
Citi Simplicity content is not provided by the issuer. Any opinions expressed are those of the The Ascent alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
Award Icon 2023 Award Winner

Chase Freedom Flex℠

Great for: Cash back versatility with a big bonus
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

20.49%-29.24% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • Checks all the boxes for a cash back credit card, with high cash back rates across several categories, a 0% intro APR, and a big sign-up bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

Citi Custom Cash® Card

Great for: Bonus cash back
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

20,000 ThankYou® Points

  • A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash® Card account per person.

U.S. Bank Visa® Platinum Card

Great for: Purchases and balance transfers
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 18 billing cycles on purchases billing cycles, and after that 18.74% - 29.74% (Variable)

Purchases: 0%, 18 billing cycles on purchases

Balance Transfers: 0%, 18 billing cycles

Regular APR

18.74% - 29.74% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A
  • With a generous intro APR offer for both balance transfers and purchases, this is one of the best low interest credit cards we've come across.
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.

Expert Reviews of 0% APR Credit Card Offers

Our expert picks for the best no interest credit cards include 2 cards from Wells Fargo, 2 0% APR card offers from Citi, and 1 card each from Chase, Discover, and U.S. Bank. But why these? In addition to offering amazing no interest intro card offer term lengths, many of these also offer great rewards and exclusive benefits, beyond the attractive introductory offers.

How to choose a 0% APR card

Most 0% intro APR cards we've reviewed can be sorted by these three features:
  • Type of intro offer: The best cards we've seen offer 0% APR on both purchases and balance transfers, but some may offer better terms for one over the other.
    Compare 0% APR cards for large purchases or balance transfers»
  • Length of the intro period: How long you can go without incurring interest will depend on the length of the introductory period. Most cards offer at least six months, but some extend it more than three times that long.
    Compare no interest card terms»
  • Purchase rewards: Many of the best no interest credit cards have lucrative sign-up bonuses or offer purchase rewards, most commonly cash back.
    Compare 0% APR cards with rewards»

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How to maximize your 0% APR credit card
The best way to use 0% intro APR credit cards is use the interest-free period to finance a major purchase or refinance credit card debt. Make at least minimum monthly payments on time, and pay off your balance in full before the intro period ends. This will allow you to avoid interest entirely.

How to compare the best zero interest credit cards

  1. Calculate how long it will take you to pay off your purchases or balance transfers use our calculator to make this easier.
  2. See which cards offer a long-enough 0% intro APR offer so that you can pay off your balance in full during the intro period.
  3. If multiple cards fit the bill, use sign-up bonuses and rewards as the tiebreaker.
The Picks
Card Rating Great For
Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Unlimited cash back
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Balance transfers and cash back
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Long 0% intro APR
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: No Penalty APR or late payment fee
Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Cash back versatility with a big bonus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Bonus cash back
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For: Purchases and balance transfers
Citi Simplicity content is not provided by the issuer. Any opinions expressed are those of the The Ascent alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Best 0% interest credit cards for purchases

If you're looking to finance a future purchase, you'll want a card with a great zero interest card offer on new purchases. The Wells Fargo Reflect® Card is built for this job, offering a long intro period that eclipses our other top picks.

The main thing to consider here is how long you need to pay off your purchase. If you need as long as you can get, then you may have to sacrifice rewards for a longer introductory period. However, if you can pay off your purchase in 15 months or less, there are a lot of rewards cards worth considering.Sometimes, you know going into it that you'll need as long as possible to pay off a particularly large purchase (such as a car repair or medical bill). These cards are all built for long-term financing, offering at least 18 months of 0% APR on new purchases.

Compare the best no interest credit cards on purchases

Card 0% Intro APR Offer Regular APR Rewards
Wells Fargo Reflect® Card 0% intro APR, 21 months from account opening 18.24%, 24.74%, or 29.99% Variable APR N/A
U.S. Bank Visa® Platinum Card 0%, 18 billing cycles on purchases 18.74% - 29.74% (Variable) N/A
As you can see, while these cards all have fantastic intro APR offers -- that's about all you get. These cards don't come with purchase rewards or other perks that will make you want to keep them for the long haul.
  • Balance transfers are used to move debt from one credit card to another card. When you transfer a balance to a card with a 0% intro APR offer for balance transfers, that balance won't accrue interest until the end of the intro period. Once that ends, the balance will start accruing interest at the go-to APR.

    Learn more: Balance transfer guide

    Many folks will have been dealing with their debt for a while before they transfer it, so it's likely you'll be looking to get as much time as possible to pay it off. The cards below have the longest no-interest introductory periods of our top picks.Although these offers mean you won't accrue interest for up to 21 months, you don't have the whole intro period to transfer your balance. Instead, each card has its own time limit on when you need to transfer your balance for it to be eligible for the 0% intro rate. Any balance transferred after this time limit won't qualify for the zero interest offer.

    Balance transfer fees for 0% intro APR cards

    Balance transfers can be excellent ways to reduce your interest fees, but they're generally not free. Nearly all credit cards charge a balance transfer fee. That said, some of our top picks have lower fees than their competitors. Others offer lower fees as part of the welcome offer for new cardholders.

    The balance transfer fee is charged by the card you move the balance to, not the one you move the balance from, so you only need to pay it once per transfer.

    Keep in mind that the balance transfer fee counts against your balance transfer limit. In other words, it reduces the total amount you can transfer to that card, so be sure to include it in your calculations.

Compare the best 0% APR balance transfer credit cards

Card Balance Transfer Intro APR Offer Regular APR Balance Transfer Fee
Wells Fargo Reflect® Card 0% intro APR, 21 months from account opening on qualifying balance transfers 18.24%, 24.74%, or 29.99% Variable APR 5%, min: $5
Citi Simplicity® Card Intro APR of 0%, 21 months 19.24% - 29.99% (Variable) 3% ($5 min) for first 4 months, then 5% ($5 min.)
Discover it® Balance Transfer Intro APR of 0%, 18 months 17.24% - 28.24% Variable APR 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Some zero-interest cards are one-trick ponies that are only really good for saving on interest fees. However, many cards offer not only solid 0% intro APR offers, but also come with great purchase rewards, too. Even better, you can earn rewards on your new purchases while still enjoying the 0% interest rate during your introductory period.

    See more: Best rewards credit cards

Compare the best 0% APR cards with rewards

Card Intro APR Purchase Offer Regular APR Rewards
Wells Fargo Active Cash® Card 0% intro APR, 15 months from account opening 20.24%, 25.24%, or 29.99% Variable APR 2% cash rewards
Chase Freedom Flex℠ 0%, 15 months 20.49%-29.24% Variable 5% cash back offer
Citi Custom Cash® Card Intro APR of 0%, 15 months 19.24% - 29.24% (Variable) 1% - 5% cash back
Discover it® Balance Transfer Intro APR of 0%, 6 months 17.24% - 28.24% Variable APR 1% - 5% Cashback

Are 0% APR credit cards worth it?

Ideally, we'd all pay our credit card balances in full each month. But sometimes you just need a little more time. You can get that time -- without the high interest fees with a top 0% APR credit card. But make note, once the intro period ends, you'll start accruing interest at the go-to rate.

Credit cards with a 0% intro APR are useful if you want to avoid interest charges, either on purchases or balance transfers. Make sure to consider how long of a 0% APR period you need. Cards with the longest 0% introductory periods often offer just that -- long 0% APR periods -- but nothing else.If your specific needs are met with a somewhat shorter introductory APR period, you may be able to find a card that meets that need and provides rewards or cash back, for instance.
༺❦Qvxzb❦༻ Best 0% APR Credit Cards & No Interest Card Offers of December 2023 | The Motley Fool exported from figma
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When to get a 0% APR credit card
If you have any costly purchases coming up that you can't pay for in full, a credit card with 0% intro APR could be the solution. You can stretch your payments out over the card's introductory period, and you'll avoid paying interest as long as you pay off your balance before it ends. But you do need to understand how zero interest credit cards work first, to avoid making any costly mistakes.

How do credit cards with 0% APR work?

On intro 0% APR credit cards, the intro APR on purchases is set to 0% for a limited period of time. That means you don't need to pay off your full credit card balance every month to avoid interest during the intro period, as you would with other credit cards.As an example, imagine you get the best 0% APR credit card with an intro 0% APR on purchases for 15 months. You use it to buy a new computer for $1,500. All you need to do is make the minimum payment every month. If you make payments of at least $100 per month toward that purchase, then you'll pay it off interest free.There are situations where you can be charged interest by your credit card company, even with a 0% credit card APR:
  • You don't make your minimum monthly payment. You're still required to make minimum payments on time. If you don't, the card issuer could cancel the intro 0% APR offer.
  • You use your credit card for other types of transactions. Most cards' 0% intro APR offers don't apply to cash advances.
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Opt for 0% APR credit cards with a lengthy intro period
Lessen your monthly payments with a lengthy intro period, like a 21 month no interest credit card. Make sure it doesn't charge an annual fee as that will eat into what you're saving on interest. Make it even better with the best credit card offers that have cash rewards or a welcome bonus.

Alternatives to no interest credit cards

Depending on your financial needs, interest free credit cards with 0% intro APR may not be the right choice. Here are the top alternatives to credit cards with a 0% intro APR.

Balance transfer credit cards

If you have credit card debt to refinance, then a zero interest credit card balance transfer is the way to go. A balance transfer is when you move existing credit card balances onto a new card. The top 0 balance transfer credit cards have 0% intro APR periods on any balances you transfer over. In most cases, you'll have to pay a balance transfer fee. Head to our balance transfer calculator to find out whether the interest you'd save with a balance transfer credit card is worth its balance transfer fee.

Compare our picks: Check out The Ascent's best balance transfer credit cards

Credit cards with low interest

If you expect it to take you more than a couple years to pay off your balance, and if you have excellent credit, you might be better off with a low interest credit card. These credit cards have a low ongoing APR on all purchases, so they're good to keep on hand in case you ever need to carry a balance. Sometimes these cards will also let you earn cash rewards. Some credit unions even offer low interest credit cards with rates lower than many personal loans.

Compare our picks: Check out The Ascent's best low interest credit cards

Personal loans

With a personal loan, you'll have a fixed payment amount and loan term, which gives you more structure than a credit card. Personal loans are also better for when you will take two years or longer to pay off a purchase because they have lower interest rates than credit cards. But if you are confident you can pay off a purchase within the intro period of an intro 0% credit card, then the card would save you money. The better your credit score, the better your chances are of securing a personal loan with a low interest rate.

Compare our picks: Check out The Ascent's best personal loans

Debt consolidation loans

You can get a debt consolidation loan for any type of debt. It can be more versatile than a balance transfer card, because some balance transfer cards (but not all) can only be used for credit card debt. Debt consolidation loans are also a good choice when you need more time to pay off your debt than the intro period a balance transfer card gives you.

Compare our picks: Check out The Ascent's best debt consolidation loans

FAQs

  • A 0% APR credit card doesn't charge interest on purchases for an introductory period. If you carry a balance from purchases during that time, you won't incur any interest charges. You are required to make minimum payments because if you don't, the card issuer may cancel the zero-interest offer.
  • Once the 0% APR offer ends, the credit card APR standard will apply to the current balance and new charges. This means you'll start paying the regular interest rate on any remaining balance you couldn't pay off before the end of the intro period. That's why it's highly recommended you pay off your entire balance before the end of the intro 0% APR offer.
  • The length of the intro period varies by card. Some credit cards offer a 0% intro APR for six months or less, but there are also intro 0% APR credit cards offering 18 months or longer without interest.
  • You can avoid paying credit card interest on the best 0% APR credit cards by paying off your entire balance before the introductory period ends. This can save you hundreds or thousands of dollars compared to what standard credit card interest rates would cost you.
Our Credit Cards Experts
Lyle Daly
By: Lyle Daly Writer
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Brittney Myers
By: Brittney Myers Writer
Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
Nathan Alderman
Check IconFact Checked Nathan Alderman Fact checker
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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