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The Best 0% Intro APR Credit Cards of 2021

Last updated on April 28th, 2021

Nobody like paying interest on their credit cards. That’s probably why cards that offer 0% introductory periods are so popular! Thinking of getting a new card and want to ensure you get the best possible deal? Here are our top picks for the best 0% intro APR credit cards of 2021:

The Best 0% Intro APR Credit Cards of 2021

Discover It

Consumers perennially favor the Discover It family of credit cards – and it’s easy to see why. All Discover credit cards come with the bank’s Cashback Match after year one.

Equally impressive, however, are the 0% intro APR offers that come with some of the issuer’s card products. The Discover It Cash Back, Discover It Chrome, and Discover It Miles all come with 0% introductory APR for 14 months on both purchases and balance transfers.

The Discover It Cash Back is a versatile cash back rewards card that earns 5% back on a rotating selection of categories. On the other hand, the Chrome Card is 2% cash back at gas stations and restaurants on up to $1,000 per quarter and 1% back on all other purchases. The Miles Card, Discover’s travel credit card, earns an unlimited 1.5X miles on all purchases.

No matter which of the three cards chosen, cardholders still get that lengthy 0% intro APR period – and the Cashback Match- not bad for cards with no annual fee.

Related Article: Discover Announces 2021 5% Cashback Calendar


The Citi® Diamond Preferred®  and Citi Simplicity® both feature one of the longest intro APR periods for any credit card on the market today. New accounts enjoy a whopping 18-month 0% introductory APR on both purchases and balance transfers, with either card – and a competitive APR after that.

Unlike the Discover It range of credit cards, however, neither the Simplicity nor the Diamond Preferred offer rewards like cash back or miles with every purchase – or the Discover Cashback Match. Still, for cards with no annual fees, both Citi options provide an excellent platform for those looking for a lengthy interest-free period.

Assent Platinum Secured Mastercard

The Assent Platinum 0% Intro Rate Mastercard Secured Card offers a slew of great features not typically found with secured cards. Paramount of these features is 0% intro APR on purchases for the first six months.

Very few secured credit cards offer sign-up bonuses or rewards of any type, so getting zero-percent interest with the Assent is a major plus. Not only that, but the Assent Platinum also Mastercard features a very competitive APR on purchases once the six-month intro period ends. This rate, 12.99%, is almost six percentage points lower than the national average APR for a secured credit card – around 18%.

Chase Freedom

Like Citi, Chase also offers two credit cards with a 0% intro APR. Both the Chase Freedom Flex and Freedom Unlimited come with 0% intro APR for 15 months on purchases and a competitive APR after that.

The Freedom Flex is the star of the Freedom line of credit cards, offering 5% back on the first $1,500 in rotating categories each quarter, 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1% back on all other purchases.

The Freedom Unlimited, the other card in the Chase Freedom range, offers 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and drugstores, and unlimited 1.5% cash back on all other purchases.

Both cards also feature a $200 cash back sign-up bonus and no annual fees.

Honorable Mentions

Want some more 0% intro APR credit card options to consider? Here are two cards that just missed out on our top spots:

amex everyday preferred 0 intro apr

Amex EveryDay® Preferred Card

The Amex EveryDay® Preferred Credit Card touts 3X points at U.S .supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on other eligible purchases. New accounts also enjoy 0% intro APR for 12 months on purchases.

bank of america us pride visa 0% apr

U.S. Pride® Credit Card

The US Pride Visa from Bank of America earns 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all the rest. New accounts also enjoy 0% intro APR for the first 15 billing cycles on purchases and balance transfers.

Featured photo by shotput/ PixaBay

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.