Compare the Best 0% Intro APR Credit Cards at BestCards.com

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Chase Freedom Unlimited®

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Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% 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

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Terms & Conditions

Date Reviewed: January 07, 2022

Best Benefits

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
Earn 5% cash back on eligible gas station purchases on up to $6,000 spent in the first year.
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

Rates & Fees

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and Prime Rate
Intro Balance Transfer APR: 0% for 15 months from account opening da
Balance Transfer APR: 14.99% to 23.74% 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: 24.99% 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

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Chase Slate Edge

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Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Good , Fair
Intro Purchase APR 0% for the first 12 months
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 10, 2021

Best Benefits

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
0% introductory APR on purchases and balance transfers for 12 months from account opening

Rates & Fees

Intro Purchase APR: 0% for the first 12 months
Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 12 months
Balance Transfer APR: 14.99% to 23.74% 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: 24.99% 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

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Best Benefits

Full-Feature Platinum Mastercard* Secured Credit Card
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
24/7 Online Access to Your Account
Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.99% variable based on the Prime Rate
Cash Advance APR: 18.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $49
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 $29
Minimum Deposit Required: $200

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Ink Business Unlimited Credit Card

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Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for the first 12 months from the date of account opening
Processing Network Visa

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Terms & Conditions

Date Reviewed: January 10, 2022

Best Benefits

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
0% intro APR for 12 months from account opening on purchases. After that, 13.24%–19.24% variable APR
Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards
Employee cards at no additional cost
No annual fee

Rates & Fees

Intro Purchase APR: 0% for the first 12 months from the date of account opening
Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR: 13.24% to 19.24% 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: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 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 each transaction in U.S. dollars
Late Payment Penalty Fee: $40
Return Payment Penalty Fee: $40

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Ink Business Cash Credit Card

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Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Cash Advance APR 24.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: January 10, 2022

Best Benefits

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other purchases–with no limit to the amount you can earn
Employee cards at no additional cost
Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and Prime Rate
Balance Transfer APR: 13.24% to 19.24% 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: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Late Payment Penalty Fee: $40
Return Payment Penalty Fee: $40

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American Savings Bank Platinum Edition Visa Card

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Regular Purchase APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good , Fair
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 22, 2021

Best Benefits

No annual fee
0% introductory APR on balance transfers for 20 months
Low APR

Rates & Fees

Regular Purchase APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 15 months
Balance Transfer APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Alliant Visa Platinum Credit Card

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Regular Purchase APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Good , Fair
Intro Purchase APR 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: January 19, 2022

Best Benefits

Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening
Low standard APRs and generous credit lines
No annual fee
Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average

Rates & Fees

Intro Purchase APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
Regular Purchase APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
Balance Transfer APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Penalty APR: 25.24% variable based on the Prime Rate
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $27
Return Payment Penalty Fee: Up to $27

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SchoolsFirst FCU Inspire Mastercard Credit Card

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Regular Purchase APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: December 31, 2020

Best Benefits

Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
Get your credit score and customized credit reports for free from SavvyMoney
Skin your December billing cycle payment without affecting your credit score
Enjoy Priceless Cities benefits exclusive to Mastercard cardholders

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
Penalty APR: 17.90%
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $25
Return Payment Penalty Fee: $20

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U.S. Bank Altitude® Go Visa Signature® Card

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Regular Purchase APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: July 13, 2021

Best Benefits

Earn 20,000 bonus points after spending $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel, and more
Earn 4X points per $1 spent on takeout, dining, and food delivery
Earn 2X points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations
Get a $15 credit for annual streaming service purchases

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.99% 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: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

No annual fee
Double AmaZing Rewards points for the first 90 days
0% intro purchase APR for 6 months after account opening
0% intro balance APR for 6 months after account opening
Earn unlimited 1X points for every dollar spent

Rates & Fees

Intro Purchase APR: 0% for 6 months
Regular Purchase APR: 9.99% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for 6 months
Balance Transfer APR: 9.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 9.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $25

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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. A card with a 0% APR is as 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 on balance transfers or purchases 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.

Are 0% Introductory APR Credit Cards Worth It?

Credit cards offering 0% interest on purchases and balance transfers can greatly benefit consumers if they’re used properly. Not having to worry about any interest for six to 18 months can help cardholders hoping to make a big-ticket purchase they can easily pay it off over time. Plus, if an emergency were to happen such as a needed auto repair or a medical emergency an interest-free credit card can ease the burden of a big bill into multiple payments.

Cardholders who have multiple credit cards with stacking up balances and spiraling interest rates can use a balance transfer card to consolidate all their debts onto a single card, which they can pay off without having to worry about interest for an extended period. They’ll have to pay a fee for each time they transfer a balance, but there’s a good chance these balance transfer fees will be less than the interest cardholders would have accrued had they tried paying off each card individually.

The benefits of 0% Introductory APR credit cards aren’t just limited to the lack of interest rate. It’s not uncommon to find a credit card offer that gives cardholders extra perks such as rewards points, cash back, or travel insurance.

Can You Get a 0% Intro APR Credit Card with Bad Credit?

While most 05 intro APR credit cards are only available for good to excellent credit scores, here are options available for consumers with bad credit or no credit history at all. Have bad credit and want an interest free period on purchases to start your cardholder experience? Check out this offer:

Assent Platinum 0% Intro Rate Mastercard®

Purchase APR of 0% for 6 Months!

Full-Feature Platinum Mastercard*
Monthly Reporting to all 3 Major Credit Bureaus
24/7 Online Access to Your Account

☆ Quick Application

☆ $200 Minimum Deposit

☆ Build Credit w/ 0% Intro APR

☆ Use Anywhere Mastercard's Accepted!

Terms & Conditions

The Assent Platinum Mastercard IS one of the only secured credit cards that feature 0% intro APR on purchases. New accounts enjoy 6 months of 0% introductory APR on purchases. For those planning on making a purchase they want to pay down over time, the $49 annual fee is more than worth the cost.

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 larger your balance, the longer the introductory APR you’ll need.
Those with a big balance should look for a card with 0% APR for 18 months on balance transfers. Those looking to make a significant purchase should consider cash rewards credit card that provides 0% intro APR financing for 18 months on purchases.
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.
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.

0% Intro APR Credit Card FAQs

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What’s the difference between a low-interest (low APR) credit card and a 0% intro APR card?

Low APR credit cards feature a lower-than-average interest rate every day. Zero-percent APR cards, on the other hand, start at an excellent rate. While 0% is great, the standard variable APR may be several points (or more) above what low-interest credit cards charge.

How long does 0% APR last?

The length of the introductory interest-free period varies with each card offer and card issuer. Some credit card companies offer up to 20 months – or more – on 0% intro APR, while others might offer six months, nine months, or more. On average, 0% intro periods last approximately 12 months.

Do all 0-interest credit cards come with no balance transfer fees?

No. Some credit cards offer no balance transfer fees and no-interest. These types of cards are the perfect balance transfer card as you can pay down existing card balances with no hidden fees. Other cards, however, may charge a fee or only offer no interest on purchases.

Are there any credit cards that have no interest at all?

Yes. These cards aren’t like traditional credit cards, as they only work at one online retailer. The Group One Platinum Card offers an unsecured line of credit to use at the Horizon Outlet. Neither card has a purchase APR, meaning hey are interest-free.

Should you close a 0% intro APR credit card once the promotional period ends?

Closing credit card accounts is never a good idea if you can avoid it. When you close down a credit card account, your credit score suffers. The reason behind this is because your average age of credit drops – sometimes by several years. Instead, try one of the following:
Keep the account open and don’t spend on the card unless necessary.
If the card has an annual fee, try downgrading to a no annual fee version.
Use the card as you usually would, but avoid big purchases and make your monthly payment in full to avoid being charged interest. This will also help save money and prevent penalty APR.
Most credit cards that offer 0% intro APR and have an annual fee are rewards cards. Because of this, they make excellent options for everyday use. Rewards cards earn rewards points at places like grocery stores, airlines, hotels, and other locations.

Compare the Best 0% Intro APR Credit Cards