15 Best Zero Percent Credit Cards

Zero Percent Credit Cards: Zero percent credit cards are a game-changer for those looking to save on interest. These cards offer a promotional period with 0% APR (Annual Percentage Rate) on purchases, balance transfers, or both. Whether you’re trying to pay off existing debt or make a large purchase without worrying about immediate interest, these cards provide a great opportunity.

But not all 0% APR credit cards are created equal. Some offer extended promotional periods, while others provide additional perks like cashback rewards.

In this guide, we’ll explore the 15 best zero percent credit cards and help you find the one that fits your financial goals.

How Zero Percent Credit Cards Work

A 0% APR credit card means you won’t pay interest on purchases or balance transfers for a set period—typically between 12 to 21 months. However, once this promotional period ends, the standard APR kicks in, which can be quite high.

There are two main types of 0% APR offers:

• 0% on purchases: Ideal for financing large expenses without interest.
• 0% on balance transfers: Helps consolidate and pay off high-interest debt.

To maximize savings, always make payments on time and aim to pay off your balance before the introductory period expires.

Factors to Consider When Choosing a 0% APR Credit Card

Not all zero percent credit cards are equal. Here are the key factors to evaluate before choosing one:

✔ Length of the 0% APR period – Longer promotional periods provide more time to pay off debt.
✔ Balance transfer fees – Many cards charge a fee (usually 3-5%) for balance transfers.
✔ Regular APR after the intro period – Once the 0% period ends, interest rates can be steep.
✔ Additional perks – Some cards offer cashback, travel rewards, or fraud protection.

Best Zero Percent Credit Cards

1. Chase Freedom Unlimited®

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: 1.5% unlimited cashback on purchases.
• Best for: Everyday spending and rewards.

2. Citi® Diamond Preferred® Card

• 0% intro APR: 21 months on balance transfers, 12 months on purchases.
• Balance transfer fee: 5% or $5 minimum.
• Best for: Those needing extra time to pay off debt.

3. Wells Fargo Reflect® Card

• 0% intro APR: Up to 21 months on purchases and balance transfers.
• Best for: Longest interest-free period.

4. Discover it® Cash Back

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: 5% in rotating categories, 1% on everything else.

5. Bank of America® Customized Cash Rewards Card

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: Choose a 3% category (gas, online shopping, dining, etc.).

6. Capital One Quicksilver Cash Rewards Credit Card

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: 1.5% unlimited cashback on all purchases.
• Best for: Those who want both 0% APR and cashback rewards without category restrictions.
• Regular APR after the intro period: Varies based on creditworthiness.

7. Citi Simplicity® Card

• 0% intro APR: 21 months on balance transfers, 12 months on purchases.
• Balance transfer fee: 5% or $5 minimum.
• Best for: People who want to avoid late fees and penalty rates.
• Additional perks: No annual fee, no late fees, no penalty APR.

8. U.S. Bank Visa® Platinum Card

• 0% intro APR: 20 billing cycles on purchases and balance transfers.
• Best for: Those needing a long interest-free period for purchases or debt consolidation.
• Regular APR after the intro period: Competitive for a non-rewards card.

9. American Express Blue Cash Everyday® Card

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: 3% on U.S. supermarkets (up to $6,000 per year), 2% on gas and select department stores.
• Best for: Those who want everyday rewards with an interest-free period.

10. Chase Slate Edge℠

• 0% intro APR: 18 months on purchases and balance transfers.
• Balance transfer fee: 3% during the first 60 days; 5% after that.
• Best for: People looking to pay off existing credit card debt.
• Additional benefits: Potential for APR reductions and credit limit increases with responsible use.

11. HSBC Gold Mastercard® Credit Card

• 0% intro APR: 18 months on purchases and balance transfers.
• Balance transfer fee: 4% of the amount transferred or $10 minimum.
• Best for: Those looking for a long 0% APR period with no annual fee.
• Additional perks: No foreign transaction fees, no penalty APR, and late fee forgiveness.

12. TD Bank Cash Credit Card

• 0% intro APR: 15 months on purchases and balance transfers.
• Cashback: 3% on dining, 2% on groceries, 1% on all other purchases.
• Best for: Consumers who want to earn rewards while taking advantage of an interest-free period.
• Regular APR after the intro period: Varies based on creditworthiness.

13. PNC Core® Visa® Credit Card

• 0% intro APR: 15 billing cycles on purchases and balance transfers.
• Balance transfer fee: 3% of the transfer amount.
• Best for: People looking for a simple low-interest card without rewards.
• Additional benefits: No annual fee, fraud protection, and a low ongoing interest rate.

14. Regions Visa® Platinum Credit Card

• 0% intro APR: 15 months on purchases and balance transfers.
• Balance transfer fee: 4% of the transfer amount.
• Best for: Those looking to pay down high-interest debt.
• Additional benefits: No annual fee, cell phone protection, and travel accident insurance.

15. PayPal Cashback Mastercard®

• 0% intro APR: 6 months on purchases of $99 or more.
• Cashback: 3% on PayPal purchases, 2% on all other purchases.
• Best for: Frequent PayPal users who want cashback rewards.
• Regular APR after the intro period: Higher than average, so best for those who pay off balances quickly.

How to Use a Zero Percent Credit Card Wisely

A 0% APR credit card can be a valuable financial tool, but it’s important to use it strategically to maximize benefits and avoid pitfalls.

1. Avoid Interest Charges

• Pay off your balance before the 0% period ends to avoid high regular APRs.
• Track your promo end date and set reminders for payments.

2. Pay More Than the Minimum

• Just making the minimum payment won’t help you clear your debt before the intro period expires.
• Divide your total balance by the number of months in the promo period to set up a manageable payment plan.

3. Be Mindful of Balance Transfer Fees

• Most 0% APR balance transfer cards charge a fee (typically 3-5%).
• Calculate if the savings on interest outweigh the cost of the fee.

4. Keep Your Credit Utilization Low

• Using too much of your available credit can hurt your credit score.
• Try to keep your utilization below 30% of your total credit limit.

Pros and Cons of Zero Percent Credit Cards

Pros

✔ Interest savings: Avoid paying interest on purchases or balance transfers during the promo period.
✔ Debt management: Great for consolidating high-interest credit card debt.
✔ Big purchases: Useful for financing large expenses without immediate interest.
✔ Additional perks: Some cards offer cashback, travel rewards, or no late fees.

Cons

❌ High APR after the promo period: Once the 0% APR expires, regular interest rates can be high.
❌ Balance transfer fees: Some cards charge fees that could add to your debt.
❌ Temptation to overspend: The absence of interest might lead to unnecessary purchases.
❌ Credit score impact: High utilization or missed payments can hurt your credit.

FAQs about Zero Percent Credit Cards

What is a zero percent credit card?

A zero percent credit card offers no interest on purchases, balance transfers, or both for a specific period, typically ranging from 6 to 18 months. This can be a useful financial tool for managing large purchases or consolidating debt.

How do zero percent credit cards work?

When you use a zero percent credit card, you won’t pay any interest on your transactions during the promotional period. However, regular interest rates apply after this period ends, so it’s important to plan your repayments accordingly.

Who can qualify for a zero percent credit card?

Eligibility for zero percent credit cards generally requires good to excellent credit. Lenders evaluate your credit history, credit score, and other financial factors to determine if you qualify.

Can I make purchases and balance transfers with no interest?

Yes, many zero percent credit cards offer no interest on both purchases and balance transfers. Always read the specific terms and conditions to understand what your card covers.

What happens when the zero percent period ends?

After the promotional period, any remaining balance will start accruing interest at the card’s regular APR. Make sure to check the standard rates before applying to avoid surprises.

Are there any fees associated with zero percent credit cards?

While you benefit from no interest, these cards may come with other fees, such as annual fees, balance transfer fees, or foreign transaction fees. Review the fee structure to ensure the card fits your financial situation.

How should I choose the right zero percent credit card?

Consider the length of the zero percent period, the regular APR after the promotion, and any associated fees. Also, think about how you plan to use the card—whether for new purchases, balance transfers, or both.

Final Thoughts

Zero percent APR credit cards can be an excellent financial tool when used wisely. Whether you’re planning a big purchase or consolidating high-interest debt, these cards can provide interest-free relief—as long as you stick to a repayment plan.

Before applying, compare cards based on introductory periods, fees, rewards, and post-APR rates to find the best option for your needs.

By using these cards responsibly, you can take full advantage of the interest-free period, save money, and boost your financial health.