The Best 0% Intro APR Credit Cards

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Last updated on April 26th, 2023

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:

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Low Rate & Balance Transfer Cards

Many banks like to provide a suite of credit card products that address a variety of consumer needs and concerns. One of the most common card types is low rate or balance transfer credit cards. Low rate (or low APR) credit cards provide the ideal platform for getting a lower-than-average APR on purchases or transfers, 0% APR, and no annual fee. 

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
$0 Annual Fee

Citi® Diamond Preferred® Card

  • 17.99% – 28.74% (Variable) Regular Purchase APR
  • 17.99% – 28.74% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR
  • 0% for 12 months on Purchases Intro Purchase APR

At a Glance

The Citi® Diamond Preferred® Card provides one of the longest 0% intro APR periods on the market for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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 17.99% – 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Intro Purchase APR: 0% for 12 months on Purchases
  • Regular Purchase APR: 17.99% – 28.74% (Variable)
  • Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
  • Balance Transfer APR: 17.99% – 28.74% (Variable)
  • Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You make frequent purchases to entertainment events and want priority access
  • You’re looking for a generous introductory 0% APR period for both purchases and balance transfers

The Citi® Diamond Preferred® Card is Citi’s other low APR credit card. Like the Simplicity, the card offers 0% intro APR for 12 months on purchases and 21 months on balance transfers – also with no annual fee. 

So how do the Citi Simplicity and Diamond Preferred differ? The biggest difference between the two is the regular APR, but even that variation is modest. The Diamond Preferred features a regular APR one-percentage point lower than the Simplicity.

Chase Slate Edge

Chase Slate Edge
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Chase Slate Edge

  • 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for the first 18 months from account opening date Intro Purchase APR

At a Glance

The Chase Slate Edge lets you make moves towards your credit goals with a host of impressive introductory bonuses. The card from Chase offers the chance at an automatic credit line increase, plus 0% intro APR for 18 months (with a variable APR after that) and automatic APR reduction when you pay on time after meeting minimum spending requirements– all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary
  • Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.24%-27.99% on balance transfers and purchases after the introductory period ends
  • $0 My Chase Plan® fees during the 18-month introductory period
  • All for no annual fee – You wo’t have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Intro Purchase APR: 0% for the first 18 months from account opening date
  • Regular Purchase APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 18 months from account opening date
  • Balance Transfer APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greate
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want to build credit with responsible usage
  • You plan to carry a balance and will make use of the two 0% intro APR offers
  • You don’t want to pay an annual fee

The Chase Slate Edge is Chase Bank’s latest low rate credit card. The card offers the chance at an automatic credit line increase, plus 0% intro APR for 18 months (with a variable APR after that) and automatic APR reduction when you pay on time after meeting minimum spending requirements– all for no annual fee.

Wells Fargo Reflect Card

Wells Fargo Reflect Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Wells Fargo Reflect Card

  • 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements Intro Purchase APR

At a Glance

The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 18 months of 0% APR on purchases and balance transfers, with that period extending to up to 21 months when the cardholder makes their minimum payment due each month.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.
  • Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods
  • Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
  • Intro Purchase APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
  • Regular Purchase APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
  • Balance Transfer APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater.
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You have a significant credit card balance they want to pay down
  • You plan on making your payments on time each month
  • You have a good credit score
  • You do’t want to pay an annual fee

The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 18 months of 0% APR on purchases and balance transfers, with that period extending to up to 21 months when the cardholder makes their minimum payment due each month.

The major talking point with the Reflect Card is the impressive 0% intro APR period it provides. New accounts enjoy 18 months of zero interest on purchases and qualifying balance transfers. Qualifying balance transfers are any eligible transfers made within 120 days (roughly four months) of opening an account. However, Wells Fargo is upping the ante by extending that period up to 21 months, provided the cardholder pays their minimum balance due every month. Those 21 months (subject to on-time payments and remaining balances) is the longest introductory period from a major US lender, making the Wells Fargo Reflect a mammoth a balance transfer credit card.

Rewards Cards

Rewards cards are an excellent way to maximize value, thanks to cash back, rewards points, and an ever-increasing number of introductory APR periods for new accounts.

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
$0 Annual Fee

Citi Custom Cash℠ Card

  • 18.99% – 28.99% (Variable) Regular Purchase APR
  • 18.99% – 28.99% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR
  • 0% for 15 months on Purchases Intro Purchase APR

At a Glance

The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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 18.99% – 28.99%, 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.
  • Intro Purchase APR: 0% for 15 months on Purchases
  • Regular Purchase APR: 18.99% – 28.99% (Variable)
  • Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
  • Balance Transfer APR: 18.99% – 28.99% (Variable)
  • Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want to earn 5% back but do’t want quarterly categories
  • You plan on spending $1,500 within the first 90 days
  • You have a large purchase in mind that you want to pay down over time
  • You plan on transferring an existing balance within the first four months
  • You don’t want to pay an annual fee

The Citi Custom Cash℠ Card is Citibank’s latest cash back credit card. The card earns 5% back on your highest spending category each billing period, making it a direct competitor to the Bank of America Customized Cash RewardsWells Fargo Active Cash, or the Chase Freedom Flex.

The 5% back categories with the Custom Cash include the following and is limited to the first $500 spent every billing period: dining, drugstores, fitness clubs, gas stations, grocery stores, home improvement stores, live entertainment, select travel, select streaming services, and select transit.

Like its rivals, the Custom Cash also features a lengthy introductory period for balance transfers and purchases. That 0% intro APR period extends for 15 months, making the card rewarding, versatile, and convenient.

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
$0 Annual Fee

Citi® Double Cash Card – 18 month BT offer

  • 18.99% – 28.99% (Variable) Regular Purchase APR
  • 18.99% – 28.99% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR

At a Glance

The Citi® Double Cash Card is one of the most versatile cash back credit cards on the market today, thanks to impressive, flat-rate cash back, lucrative introductory 0% APR offers, and more. Cardholders earn 2% back on every eligible purchase: 1% back at the time of sale and an additional 1% back when they pay their statement balance. Cash back is redeemable for statement credits, direct deposits, checks, or converted as ThankYou® points.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Regular Purchase APR: 18.99% – 28.99% (Variable)
  • Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
  • Balance Transfer APR: 18.99% – 28.99% (Variable)
  • Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You prefer earning cash back at a flat rate rather than in rotating categories
  • You’re looking to either consolidate existing balances or pay down a large purchase with no interest charges for an extended period of time
  • You like to have the flexibility of converting cash back into lucrative rewards points
  • You’re considering a credit card without an annual fee
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Terms & Conditions

The Citi® Double Cash Card does not offer a special rewards categories Instead, Citi provides 2% cash back on all eligible purchases. The card earns a flat-rate 1% cash back on all eligible purchases – and another 1% back when the account holder pays off that balance.

The lack of an annual fee, the 2% back , and the 0% introductory APR on balance transfers for the first 18 months make the Citi Double Cash Card the perfect everyday card that just happens to reward your streaming habits.

Chase Freedom Flex

Chase Freedom Flex
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
None Annual Fee

Chase Freedom Flex

  • 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening date Intro Purchase APR

At a Glance

The Chase Freedom Flex is a hybrid cash back credit card that offers something for everyone. The card earns 3% cash back on dining and drugstore purchases, plus up to 5% back on rotating categories each quarter after activation – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
  • Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
  • Earn 5% on travel purchased through Chase Ultimate Rewards
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services
  • Earn 3% on drugstore purchases
  • Earn 1% on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24%-27.99%
  • No annual fee – You wo’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.99%
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want a versatile cash back credit card that earns rewards across various categories
  • You don’t mind the lower cash back rates for dining and drugstore purchases over previous Chase cards
  • You prefer to book travel through Chase Ultimate Rewards
  • You don’t want to pay an annual fee for premium Mastercard features

The Chase Freedom family of credit cards has long been one of the most popular options for cash back rewards. The family includes a range of excellent cash back cards, topped off by the ever-impressive Chase Freedom Flex.

The Freedom Flex World Elite Mastercard earns 5% cash back on rotating categories each quarter after activation, 5% back on travel booked through Ultimate Rewards, 3% back on dining and drugstore purchases, and 5% cash back on eligible gas station purchases on up to $6,000 spent in the first year. The card’s rotating categories are always popular, with Q2 2022 including Amazon purchases and select streaming services – making now the time to jump on the Flex to maximize those streaming rewards.

The Flex also features a lengthy 0% APR period to match its impressive rewards.  New accounts enjoy 15 months of no interest on both purchases and balance transfers. This combination of rewards and introductory APR is tough to beat – before you even mention the no annual fee.

Chase Freedom Unlimited

Chase Freedom Unlimited
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Chase Freedom Unlimited

  • 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening date Intro Purchase APR

At a Glance

The Chase Freedom Unlimited® credit card is a reliable option for customers looking to pair an attractive cash back rewards program with generous introductory interest rates. Cardholders can redeem for cash, travel, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 5% on travel purchased through Chase Ultimate Rewards
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services
  • Earn 3% on drugstore purchases
  • Earn 1.5% on all other purchases
  • No annual fee
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
  • Earn 5% Cash back on gas station purchases on up to $6,000 spent in the first year
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You are looking for a low-rate credit card to perform a balance transfer
  • You prefer straightforward rewards earnings rather than quarterly categories requiring activation
  • You’ll make at least $500 in purchases in the first 90 days
  • You do’t want to pay an annual fee

The Chase Freedom family also includes the Freedom Unlimited, the bank’s unlimited cash rewards credit card. The Freedom Unlimited earns an unlimited 1.5% cash back on all purchases, with the exception of extra enhanced categories that mirror the Flex. 

Like the Freedom Flex, Freedom Unlimited cardholders enjoy 15 months of no interest on BTs and purchases, plus up to 5% cash back in select categories. While the 5% back is limited to Chase travel (via Ultimate Rewards), the 3% back categories include restaurants and drugstores, making this card’s value truly unlimited.

Discover it® Cash Back

Discover it® Cash Back
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Discover Processing Network
None Annual Fee

Discover it® Cash Back

  • 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 18 months from account opening Intro Purchase APR

At a Glance

The Discover It Cash Back Card is a cash back credit card that offers enhanced earning potential in a selection of rotating categories. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, Discover’s bonus cash back match, and no annual fee or foreign transaction fees.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
  • Earn 1% cash back on all other purchases automatically
  • Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
  • Cash back rewards never expire, earn unlimited cash back
  • Use rewards at Amazon checkout
  • No annual fee
  • Intro Purchase APR: 0% for 18 months from account opening
  • Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months from date of first transfer
  • Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want to earn 5% back on select category purchases each quarter, including restaurants, gas stations, select rideshares, and online shopping
  • You don’t want to pay an annual fee or foreign transaction fees
  • You want 100% U.S.-based customer service
  • You don’t mind rotating categories changing every three months

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.

Discover it® Miles

Discover it® Miles
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Discover Processing Network
None Annual Fee

Discover it® Miles

  • 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from date of account opening Intro Purchase APR

At a Glance

The Discover It Miles Card is a straightforward travel card designed for those who want an easy way to earn miles. The card earns a flat-rate 1.5 miles per dollar spent on purchases, with Discover matching the total number of miles earned for the first year. The card also comes with 0% intro APR for 14 months on purchases, no annual fee, and no foreign transaction fees.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases
  • Automatic cashback match your first year
  • Redeem your Miles as a statement credit with no blackout dates
  • Earnings never expire
  • Intro Purchase APR: 0% for 15 months from date of account opening
  • Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from date of first transfer
  • Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
  • Return Payment Penalty Fee: Up to $41
  • You plan to use this card to book travel frequently
  • You don’t expect to use the card outside of the United States
  • You want to double your miles after the first year automatically
  • You don’t want to pay an annual fee

As mentioned, the Discover It Miles is another Discover credit card with a lengthy 0% APR period. The It Miles features the same 15 months of no interest as the chrome and It Cash Back, but earns unlimited miles versus cash back. Those miles are earned at a rate of 1.5X miles per dollar spent, with no cap and no miles expiration. Even better, the card also enjoys Discover’s Cashback Match. 

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.

Discover it Miles

discover miles
Unlimited Miles with 0% APR
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases
  • 0% for 15 months from account opening
☆ Discover Cash Back Match
☆ Redeem Points with Amazon
☆ No Annual Fee

As mentioned, the Discover It Miles is another Discover credit card with a lengthy 0% APR period. The It Miles features the same 15 months of no interest as the chrome and It Cash Back, but earns unlimited miles versus cash back. Those miles are earned at a rate of 1.5X miles per dollar spent, with no cap and no miles expiration. Even better, the card also enjoys Discover’s Cashback Match. 

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About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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