credit card image Advertiser Disclosure Editorial Disclosure

Compare the Best 0% Intro APR Credit Cards

0% intro APR credit cards provide a lot of flexibility, but finding the right one doesn’t have to be a hassle. BestCards.com has a wide selection of 0% intro APR credit cards from lenders. Browse offers below.

Sort By Column Name:

Total Cards 124

July 30, 2018

Wells Fargo Platinum Visa® Card

0% Intro APR for 18 Months

Wells Fargo Platinum Visa® Card
  • Regular Purchase APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 18 months from account opening date
  • Processing Network Visa
Best Benefits
  • No interest paid with 0% APR for the first 18 months of account opening
  • Zero Liability protection ensures that cardholders are not held responsible for unauthorized transactions when promptly reported
  • Comprehensive travel protection includes accident insurance, cell phone protection, and auto rental collision damage waiver
  • Ideal for paying down balances and large purchases that need to be paid over time
  • Free access to FICO® Credit Score
Rates & Fees
  • Intro Purchase APR: 0% for 18 months from account opening date
  • Regular Purchase APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months on transfers made within 120 days from account opening date
  • Balance Transfer APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the balance transfer amount, whichever is greater, for 18 months. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and 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 the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

August 13, 2018

Blue Cash Preferred® Card

Earn a $300 Statement Credit + 0% Intro APR for 12 Months

Blue Cash Preferred® Card
  • Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • 6% cash back on streaming subscriptions
  • 6% cash back at supermarkets
  • 3% cash back on transit purchases
  • 3% cash back at gas stations
  • 1% back on all other eligible purchases
  • Complimentary ShopRunner membership
  • Return protection up to $300 per item
  • Car rental loss and damage assistance
  • Global Assist Hotline
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers requested within 60 days from account opening date
  • Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% 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: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

August 14, 2018

Amex EveryDay® Credit Card

10,000 Membership Rewards® Points + No Balance Transfer Fee

Amex EveryDay® Credit Card
  • Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network American Express
Best Benefits
  • Earn 20% extra points when you make 20+ purchases in a billing period
  • 2X points per dollar spent at U.S. supermarkets (up to $6,000)
  • 1X points on every other eligible dollar spent
  • 0% intro APR on purchases and balance transfers for 15 months
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
  • Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR: 25.24% 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: 29.24% variable based on the Prime Rate
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

August 15, 2018

Wells Fargo Cash Wise Visa® Card

$150 Cash Rewards Bonus + Unlimited 1.5% Cash Rewards

Wells Fargo Cash Wise Visa® Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • 1.5% cash rewards on everyday purchases
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) du
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 25.99% 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 12 months. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Penalty APR: None
  • Annual Fee: None
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

August 15, 2018

Wells Fargo Propel American Express® card

Earn 30,000 Bonus Points

Wells Fargo Propel American Express® card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening
  • Processing Network American Express
Best Benefits
  • Earn 3X points on dining, travel, gas stations, and streaming services
  • Earn 1 rewards point per U.S. dollar spent on other purchases
  • Rewards points earning is unlimited and points do not expire as long as your account remains open
  • Enjoy cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo credit card
  • Receive complimentary discounts or food and beverage items at participating restaurants
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on qualifying transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory $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 transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and 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: Up to $37
  • Return Payment Penalty Fee: Up to $37

August 16, 2018

Chase Freedom Unlimited®

Earn $200 Cash Bonus + 0% APR for 15 months

Chase Freedom Unlimited®
  • Regular Purchase APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Visa
Best Benefits
  • Unlimited 1.5% cash back on every purchase
  • 0% introductory APR for 15 months
  • 3% introductory balance transfer fee within first 60 days
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

August 16, 2018

HSBC Gold Mastercard® Credit Card

0% Intro APR for 18 Months

HSBC Gold Mastercard® Credit Card
  • Regular Purchase APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 18 months from account opening
  • Processing Network Mastercard
Best Benefits
  • Take advantage of 0% introductory APR for the first 18 months as a cardmember
  • Travel prepared and with peace of mind thanks to MasterAssist® pre-planning and Master RoadAssist® Roadside Services
  • Extended Warranty and Purchase Assurance® means you can shop with confidence
  • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
Rates & Fees
  • Intro Purchase APR: 0% for the first 18 months from account opening
  • Regular Purchase APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for the first 18 months on transfers that post within 60 days from account opening
  • Balance Transfer APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $25

August 21, 2018

U.S. Bank Visa® Platinum Card

0% Intro APR for 18 Billing Cycles

U.S. Bank Visa® Platinum Card
  • Regular Purchase APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 18 months from account opening date
  • Processing Network Visa
Best Benefits
  • Get a 0% introductory APR on purchases and balance transfers for 20 billing cycles
  • Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
  • Detects and notifies you of any unusual card activity to help prevent fraud
  • Get your TransUnion® Credit Score at no cost
Rates & Fees
  • Intro Purchase APR: 0% for 18 months from account opening date
  • Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months on balances transferred within 60 days from account opening
  • Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
  • Annual Fee: None
  • Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

August 27, 2018

Bank of America® Cash Rewards Credit Card

$200 Cash Rewards Bonus Offer

Bank of America® Cash Rewards Credit Card
  • Regular Purchase APR 15.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 15.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 18.49% to 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 15 months from account opening
  • Processing Network Mastercard
Best Benefits
  • 3% cash back on the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement
  • 2% cash back at grocery stores and wholesale clubs
  • 1% on all other purchases
  • Introductory 0% APR for the first 15 months from the date you open your account
  • Free FICO® Score reports updated monthly so you can monitor your credit score
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months from account opening
  • Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months on transfers made within 60 days from account opening
  • Balance Transfer APR: 15.49% to 25.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 18.49% to 26.49% 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 creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $28

August 27, 2018

BankAmericard® Credit Card

0% APR on Purchases and Balance Transfers for 15 Months

BankAmericard® Credit Card
  • Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 17.49% to 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 15 months from closing date of account opening
  • Processing Network Mastercard
Best Benefits
  • No balance transfer fees for the first 15 months from the date of account opening
  • No penalty APR for late payments
  • No annual fee
  • Access your FICO® Score for free
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months from closing date of account opening
  • Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days of account opening
  • Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 17.49% to 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $28

Add cards to start comparing.

  

 

 

What Are 0% Intro APR Credit Cards?

A 0% intro APR credit card is quite simply a card that offers an introductory interest rate of 0%. This rate applies to purchases, balances transfers, or both. Cards that offer 0% APR are popular as balance transfer credit cards. This is especially true when they feature a low APR once the introductory period finishes.

How Do 0% Intro APR Credit Cards Work?

Zero-percent introductory APR credit cards work by allowing the cardholder to carry a balance for a set period. These periods can vary significantly, from three months at the bottom of the range all the way up to a massive 21 months at the top end.

Cards that offer a 0% intro APR period are designed to attract those who want to pay off their existing credit card balances. This process works by combining two (or more) credit card balances into one. The cardholder can then pay down both balances with one payment.

Cards that offer smaller introductory periods are great for those with lower balances. Those with more significant balances – or those who want to finance a substantial purchase – will benefit more from a card that offers a year (or more) of introductory APR.

What Is the Impact of Credit Card Interest Fees?

Interest charges are the fees you pay to credit card companies for carrying a balance on your account. Think of interest as to how the credit card company makes its money. One of the reasons why people love 0% intro APR credit cards so much is because you don’t have to worry about interest charges for a set period. This allows you to avoid interest – and spending extra money.

Once the 0% APR window closes; however, interest payments begin. What is the negative impact of high-interest rates?

  • High interest means more significant payments
  • Minimum payments are much higher
  • It takes longer to repay the credit card debt

Average Credit Card Interest Rates

The cost of your interest payments relates directly to a person’s credit score and the type of credit card they have. Rewards cards, such as cash back credit cards, travel rewards cards, airline cards, hotel cards, gas rewards cards, etc. have higher APRs than credit cards that offer no rewards.

What is the average credit card interest rate? As mentioned, that depends on the type of card. The average APR for a rewards credit card is currently approximately 16.49%, for instance. Cash back rewards cards have an APR almost a full-point lower than that, while airline rewards cards have an APR slightly higher.

Low APR credit cards, such as balance transfer credit cards and credit union cards, typically fall between the 10% and 14% range. Low APR cards have average rates of around 14.39%, while credit unions cards can even dip below 10%.

Better Credit Scores Get Better Rates

The higher our credit score, the better the APR offer you’ll receive. Those with excellent credit scores enjoy interest rates far below what those with fair credit scores can expect. The average APR for someone with an excellent credit score is currently around 15.8%. In contrast, those with good credit scores get rates slightly lower – 15.7%. The lower your credit score, the higher rates climb. Average credit scores can expect an APR in the mid-20s (24.45%).

What to Look for in a 0% APR Credit Card

Before you apply, do you know what to look for in a 0% introductory APR credit card? Here are a few features on which you should keep an eye:

  • Length of Interest-Free Introductory Period: How long is the 0% APR period? Understanding exactly how long your interest-free period runs is vital to getting the right credit card for your needs. If you have a small balance to pay down, a card with six months interest-free is probably enough. The same applies to a small purchase. The larger your balance, the longer the introductory APR you’ll need. This period may also vary depending on your credit score.
  • What Transactions Apply? Does the introductory period apply to balance transfers? Purchases? Does it apply to both? Before applying for a credit card, make sure you understand what is covered. Financing a large purchase doesn’t make sense with a credit card that only offers an introductory rate on balance transfers.
  • Regular APR: Pay close attention to the interest rate on your credit card offer. Rates usually vary depending on your credit score. Only a few credit cards offer fixed rates, though even fewer of these offer 0% intro APR. Before finishing your application, always study the rates to ensure you can afford to carry a balance once the introductory period ends.
  • Annual Fee: Does the card have an annual fee? Most 0% APR cards don’t feature a yearly fee, but some rewards card may – be careful.
  • Rewards: Many rewards credit cards come with an introductory APR bonus offer, including 0% introductory APR. These periods encourage new cardholders to spend with the card, earning rewards.

Other Options to Consider

For those with considerable credit card debts, 0% intro APR cards might not offer enough payment flexibility. The average credit card debt in the United States is currently $8,400. While possible to repay some of that debt during a 0% APR window, unless you receive a 21 months offer, it probably isn’t enough time.

For those struggling to repay more significant debts, non-traditional credit cards, like the Upgrade Card, make the most sense. The Upgrade Card offers the benefits of a traditional credit card and the great rates of a personal bank loan.

Cardholders receive a generous credit limit of up to 20,000, which they can use to pay down balances over a set period of 12. 24, 26, or even 60 months. They also receive lower-than-average rates, with those with excellent credit scores enjoying an APR starting as low as 6.99%.

While the Upgrade Card doesn’t feature an intro APR, the low rates make it perfect for paying down balances without additional headaches. In fact, studies show that using the card vs. a traditional credit card to pay off a $10,000 debt saves over $12,000 in interest! Plus, they can pay off that balance in two years, rather than 28 – just by making their minimum payments.

Find the Best 0% Intro APR Credit Cards

Have a small credit card balance you want to pay down? BestCards has you covered. We have over 800 reviews of credit cards from issuers across the United States. Browse our reviews, use our custom comparison tool and take advantage of our extensive credit card resources and advice. Get started and find your best card today!