Personal Finance Credit Cards
Written by Holly Johnson and Tessa Campbell; edited by Katherine Fan; reviewed by Angela Fung
Updated
- Best Intro APR Card for a Long Introductory Period
- Best Intro APR Card for Rotating Cash-Back
- Best 0% Intro APR Chase Card
- Best 0% Intro APR Card with Flat-Rate Cash Rewards
- Best Intro APR Card for Bonus Cash at U.S. Supermarkets
- Best Intro APR Card for Booking Travel with Capital One
- Best Intro APR Card for Optimizing Cash Rewards Each Month
- Best Intro APR Card for Dining Rewards
- Best Intro APR Card for Building Credit
- FAQs
- Why You Should Trust Us
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
The information for the following product(s) has been collected independently by Business Insider: Citi Custom Cash℠ Card, Citi Premier® Card, Citi Prestige® Card. The details for these products have not been reviewed or provided by the issuer.
Best Credit Cards With 0% Interest in May 2024
- Our intro APR pick for long introductory APR period: Wells Fargo Reflect® Card
- Our intro APR pick for rotating cash-back categories: Discover it® Cash Back
- Our intro APR pick for Chase: Chase Freedom Unlimited®
- Our intro APR pick for ongoing cash rewards: Wells Fargo Active Cash® Card
- Our intro APR pick for bonuscash back at U.S. supermarkets: Blue Cash Everyday® Card from American Express
- Our intro APR pick for booking travel through Capital One Travel: Capital One Quicksilver Cash Rewards Credit Card
- Our intro APR pick for cash back on dining: Capital One SavorOne Cash Rewards Credit Card
- Our intro APR pick for optimizing cash back each month: Citi Custom Cash℠ Card
- Our intro APR pick for building credit: Chase Slate Edge℠
Introduction to Credit Cards With 0% Interest
A credit card that offers 0% interest for a period of time can help you save money when you need to carry a balance on your purchases. Business Insider reviewed dozens of the best credit cards with introductory 0% APR offers to come up with the 10 best-in-class products.
Compare the Top Credit Cards With 0% Interest
Extra-long 0% intro APR offer
Wells Fargo Reflect® Card
On Wells Fargo's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 18.24%, 24.74%, or 29.99% variable APR
Annual Fee
$0
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days
Regular APR
18.24%, 24.74%, or 29.99% variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Extra-long intro APR on purchases and qualifying balance transfers
- No annual fee
- Cell phone protection
Cons
- No rewards
- Foreign transaction fees
Insider’s Take
If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.
Wells Fargo Reflect Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Rotating cash-back categories
Discover it® Cash Back
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.24% - 28.24% Variable
Intro Offer
Unlimited Cashback Match™ – Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to Excellent
Pros
- From April 1 to June 30, 2024, you can earn 5% cash back atgas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
Cons
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
Insider’s Take
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Discover it Cash Back review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Best Chase intro APR card
Chase Freedom Unlimited®
On Chase's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.35/5
Perks
Earn 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
20.49% - 29.24% Variable
Intro Offer
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
Earn an additional 1.5% cash back on everything you buy
Recommended Credit
Good to Excellent
Pros
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
Cons
- Some other cards offer a higher rate of cash back on certain types of purchases
Insider’s Take
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Our favorite cash rewards card
Wells Fargo Active Cash® Card
On Wells Fargo's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.3/5
Perks
Earn unlimited 2% cash rewards on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Regular APR
20.24%, 25.24%, or 29.99% variable
Intro Offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Earn $200 cash rewards bonus
Recommended Credit
Good to Excellent
Pros
- Good welcome bonus for a $0 annual fee card
- Straightforward 2% cash rewards on purchases with no categories to track
- Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
- If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
- Foreign transaction fees
Insider’s Take
The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.
Wells Fargo Active Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Intro APR and bonus cash back at U.S. supermarkets
Blue Cash Everyday® Card from American Express
On American Express's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Limited time offer: Earn 10% cash back per dollar spent at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 1% to 3% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months from account opening
Regular APR
19.24% - 29.99% Variable
Intro Offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Earn a $200 statement credit
Recommended Credit
Good to Excellent
Pros
- Good bonus cash-back rate at U.S supermarkets
- No annual fee.
Cons
- If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.
Insider’s Take
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
Bonus cash back on hotels and rental cars booked through Capital One Travel
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.1/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Earn a one-time $200 cash bonus
Recommended Credit
Good to Excellent
Pros
- Earns 1.5% cash back on every purchase
- Intro APR on purchases and balance transfers
- No annual fee and no foreign transaction fees
Cons
- Other cards earn more cash back
Insider’s Take
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Quicksilver Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
High cash back on dining
Capital One SavorOne Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.15/5
Perks
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
$200 cash back after you spend $500 on purchases within three months from account opening
Earn $200 cash back
Recommended Credit
Good to Excellent
Pros
- No annual fee
- Bonus cash back on dining, entertainment, and grocery store purchases
- Long intro APR period for purchases and balance transfers
Cons
- Other cards earn more cash back in certain bonus categories
- Not the highest sign-up bonus among cash-back cards
Insider’s Take
The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.
SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Best intro APR card if your spending changes month to month
Citi Custom Cash℠ Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks
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. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on balance transfers and purchases for 15 months
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening
Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)
Recommended Credit
Excellent, Good, Fair
Pros
- Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
- Generous welcome offer for a no-annual-fee card
- No rotating bonus categories to sign up for or track
- Redeem for cash back, travel, gift cards, and more
Cons
- Only earns 1% back outside of $500 in top spending category each billing cycle
- Foreign transaction fee of 3%
Insider’s Take
The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.
Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
For starting out or building credit
Chase Slate Edge℠
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
2.75/5
Perks
0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 18 months from account opening
Regular APR
20.49% - 29.24% Variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Introductory APR on purchases and balance transfers for the first 18 months
- No annual fee
- Potential for automatic consideration for credit limit increases and purchase APR reductions
Cons
- Card doesn’t earn rewards beyond the welcome bonus
- Other cards have longer intro APR offers
- Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
Insider’s Take
If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.
Chase Slate Edge review External link Arrow An arrow icon, indicating this redirects the user."
0% Introductory APR Credit Card Reviews
0% intro APR credit cards for large purchases offer long periods with no interest so you can pay off your outstanding balance without paying anything extra. The best cards for 0% introductory APR may also offer the same benefit for balance transfers, or earn generous rewards on select bonus categories such as supermarkets, travel, dining, and more.
The cards in this guide were hand-selected by Business Insider's team of credit card experts as the top 0% intro APR credit cards of 2024.
Best Intro APR Card for a Long Introductory Period
Extra-long 0% intro APR offer
Wells Fargo Reflect® Card
On Wells Fargo's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 18.24%, 24.74%, or 29.99% variable APR
Annual Fee
$0
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days
Regular APR
18.24%, 24.74%, or 29.99% variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Extra-long intro APR on purchases and qualifying balance transfers
- No annual fee
- Cell phone protection
Cons
- No rewards
- Foreign transaction fees
Insider’s Take
If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.
Wells Fargo Reflect Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Introductory APR offer:0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 18.24%, 24.74%, or 29.99% variable APR
Annual fee:$0
If you're looking for an ultra-long period of no interest, the Wells Fargo Reflect® Card fits the bill. It's got an outstanding intro APR offer.
The downside is that the card doesn't earn rewards for spending, so if that's important to you, you might be better off with a card that offers a slightly shorter zero-interest period that does earn rewards. Beyond the intro APR offer, the card comes with a modest array of benefits, including cell phone protection and roadside dispatch.
Wells Fargo Reflect Credit Card Review
Best Intro APR Card for Rotating Cash-Back
Rotating cash-back categories
Discover it® Cash Back
On Discover's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.8/5
Perks
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.24% - 28.24% Variable
Intro Offer
Unlimited Cashback Match™ – Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn Unlimited Cashback Match™
Recommended Credit
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to Excellent
Pros
- From April 1 to June 30, 2024, you can earn 5% cash back atgas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
Cons
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
Insider’s Take
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Discover it Cash Back review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Introductory APR Offer: 0% intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR
Annual Fee: $0
Consider the Discover it® Cash Back if you want to earn rewards and save money on interest without an annual fee. Once you enroll, this card lets you earn 5% back on up to $1,500 spent in quarterly bonus categories that change every three months (then 1%) plus 1% back on all other purchases (from April 1 to June 30, 2024, you can earn 5% cash back atgas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%).
Discover Cashback Match will match all the cash back you earned in your first year of card membership, which works as a delayed welcome bonus of sorts. And that's not to mention the lucrative intro APR offer this card extends.
Discover it Cash Back Card Review
Best 0% Intro APR Chase Card
Best Chase intro APR card
Chase Freedom Unlimited®
On Chase's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.35/5
Perks
Earn 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
20.49% - 29.24% Variable
Intro Offer
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
Earn an additional 1.5% cash back on everything you buy
Recommended Credit
Good to Excellent
Pros
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
Cons
- Some other cards offer a higher rate of cash back on certain types of purchases
Insider’s Take
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Introductory APR Offer: 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 20.49% - 29.24% Variable APR
Annual Fee: $0
The Chase Freedom Unlimited® starts new customers off with additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).
They can also earn 5% back on travel booked through the Chase Travel℠ Portal, 3% back on dining and drugstores, and 1.5% back on all other purchases.
Considering the card's intro APR offer, the Chase Freedom Unlimited® is a standout choice for consumers who want to earn rewards on a big purchase and pay down their balance over time without paying any interest.
Chase Freedom Unlimited Review
Best 0% Intro APR Card with Flat-Rate Cash Rewards
Our favorite cash rewards card
Wells Fargo Active Cash® Card
On Wells Fargo's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.3/5
Perks
Earn unlimited 2% cash rewards on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Regular APR
20.24%, 25.24%, or 29.99% variable
Intro Offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Earn $200 cash rewards bonus
Recommended Credit
Good to Excellent
Pros
- Good welcome bonus for a $0 annual fee card
- Straightforward 2% cash rewards on purchases with no categories to track
- Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
- If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
- Foreign transaction fees
Insider’s Take
The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.
Wells Fargo Active Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Introductory APR offer: 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 20.24%, 25.24%, or 29.99% variable APR.
Annual fee:$0
If you're looking for a card with a solid welcome bonus offer and strong Wells Fargo Rewardsearning on all purchases, the Wells Fargo Active Cash® Card is an excellent choice. New cardholders earn $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.
The card's intro APR offer is generous, and you'll have access to a number of good benefits, including cellphone protection. Just be aware this card charges foreign transaction fees, so it's not a good pick for international travel.
Wells Fargo Active Cash Card Review
Best Intro APR Card for Bonus Cash at U.S. Supermarkets
Intro APR and bonus cash back at U.S. supermarkets
Blue Cash Everyday® Card from American Express
On American Express's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Limited time offer: Earn 10% cash back per dollar spent at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 1% to 3% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months from account opening
Regular APR
19.24% - 29.99% Variable
Intro Offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Earn a $200 statement credit
Recommended Credit
Good to Excellent
Pros
- Good bonus cash-back rate at U.S supermarkets
- No annual fee.
Cons
- If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.
Insider’s Take
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 19.24% - 29.99% Variable APR
Annual fee:$0
The Amex Blue Cash Everyday Card offers a welcome bonus of $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.
You can also earn 3% back on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), 3% back at U.S. gas stations on up to $6,000 spent in purchases and at U.S. supermarkets each calendar year (then 1%), 3% back on online retail purchases on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), and 1% back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout).
Blue Cash Everyday Amex Card Review
Best Intro APR Card for Booking Travel with Capital One
Bonus cash back on hotels and rental cars booked through Capital One Travel
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.1/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Earn a one-time $200 cash bonus
Recommended Credit
Good to Excellent
Pros
- Earns 1.5% cash back on every purchase
- Intro APR on purchases and balance transfers
- No annual fee and no foreign transaction fees
Cons
- Other cards earn more cash back
Insider’s Take
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Quicksilver Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable APR (rates and fees)
Annual fee: $0
The Capital One Quicksilver Cash Rewards Credit Cardearns an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% back on all other eligible purchases, and that's on top of the welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.
Since this card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR, it's an excellent option for debt consolidation or avoiding interest on large purchases.
The Quicksilver Cash Rewards Card also offers cardholders up to six months of Uber One monthly membership (through November 14, 2024).
Capital One Quicksilver Cash Rewards Credit Card Review
Best Intro APR Card for Optimizing Cash Rewards Each Month
Best intro APR card if your spending changes month to month
Citi Custom Cash℠ Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks
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. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on balance transfers and purchases for 15 months
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening
Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)
Recommended Credit
Excellent, Good, Fair
Pros
- Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
- Generous welcome offer for a no-annual-fee card
- No rotating bonus categories to sign up for or track
- Redeem for cash back, travel, gift cards, and more
Cons
- Only earns 1% back outside of $500 in top spending category each billing cycle
- Foreign transaction fee of 3%
Insider’s Take
The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.
Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Introductory APR Offer: 0% intro APR on balance transfers and purchases for 15 months, followed by a 19.24% - 29.24% Variable APR
Annual fee: $0
The Citi Custom Cash℠ Card is a great choice if your spending habits tend to change from month to month. It offers a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. In addition, cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Although it's marketed as a cash-back card, the Citi Custom Cash℠ Card actually earns Citi ThankYou points, which are worth 1 cent apiece for cash back, travel booked through Citi, gift cards, merchandise, and more. And again, if you have a Citi Premier® Card or Citi Prestige® Card (no longer available to new applicants), you can pool your rewards and transfer points to Citi's airline and hotel partners.
Citi Custom Cash Card Review
Best Intro APR Card for Dining Rewards
High cash back on dining
Capital One SavorOne Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.15/5
Perks
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
$200 cash back after you spend $500 on purchases within three months from account opening
Earn $200 cash back
Recommended Credit
Good to Excellent
Pros
- No annual fee
- Bonus cash back on dining, entertainment, and grocery store purchases
- Long intro APR period for purchases and balance transfers
Cons
- Other cards earn more cash back in certain bonus categories
- Not the highest sign-up bonus among cash-back cards
Insider’s Take
The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.
SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable APR (rates and fees)
Annual fee: $0
If your goal is earning cash back while saving on interest on purchases, check out the Capital One SavorOne Cash Rewards Credit Card. This card has a good welcome offer: $200 cash back after you spend $500 on purchases within three months from account opening.
You can earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through November 14, 2024, and 8% cash back on Capital One Entertainment purchases. You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel; 3% back on dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and streaming services, and 1% back on everything else you buy.
Capital One SavorOne Card Review
Best Intro APR Card for Building Credit
For starting out or building credit
Chase Slate Edge℠
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
2.75/5
Perks
0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 18 months from account opening
Regular APR
20.49% - 29.24% Variable
Intro Offer
N/A
Recommended Credit
Good to Excellent
Pros
- Introductory APR on purchases and balance transfers for the first 18 months
- No annual fee
- Potential for automatic consideration for credit limit increases and purchase APR reductions
Cons
- Card doesn’t earn rewards beyond the welcome bonus
- Other cards have longer intro APR offers
- Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments
Insider’s Take
If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.
Chase Slate Edge review External link Arrow An arrow icon, indicating this redirects the user."
Introductory APR offer: 0% intro APR on purchases and balance transfers for 18 months from account opening, then a 20.49% - 29.24% Variable APR
Annual fee:$0
The Chase Slate Edge℠ comes with no welcome bonus offer, and it doesn't earn rewards. It's geared toward those who are taking steps to improve their financial situation, and offers features that can help you increase your credit score and reduce the amount of interest you pay.
One benefit designed to help you build your creditis an automatic, one-time review for a higher credit limit if you've paid on time and spent at least $500 in your first six months of opening the Chase Slate Edge℠. A higher limit could have a positive effect on your credit utilization ratio and potentially improve your credit score.
In addition, on each account anniversary, you'll be considered for a 2% APR reduction, as long as you've paid your card on time and spent at least $1,000 on purchases in the previous anniversary year. The reduction is capped, though — it will only be reduced until your APR reaches the Prime Rate plus 9.74% (Prime Rate is 8.50% as of 7/27/2023).
Chase Slate Edge Card Review
Zero Interest Credit Card Frequently Asked Questions
How do 0% interest credit cards work?
Credit cards with 0% introductory interest periods allow you to carry a balance for a specified period of time without paying interest, as long as you make at least the minimum payment each month. These cards come with a 0% intro APR on purchases, balance transfers, or both. As long as you pay off the entire balance before the introductory period ends, you won't pay interest on your balance.
Should I pay off a 0% intro APR credit card?
Yes, you need to pay off your 0% interest credit card eventually, because the intro offer won't last forever. During the introductory period, you typically need to make the minimum payment on the card (if not more) in order to avoid losing your intro 0% APR. You should have a plan to pay off your entire balance before the intro period ends to avoid paying interest on your remaining balance.
How do I get a card with 0% interest?
You can get a 0% interest credit card by applying online. You can also check with your bank in person to see if it offers any 0% intro APR cards that appeal to you. Keep in mind most cards with intro APR offers require you to have at least a good credit score, which means a FICO score of 670 or higher.
Does a 0% APR credit card hurt your credit?
Using a zero interest credit card won't hurt your credit. In fact, if the intro APR offer allows you pay down your debt before the intro period ends, it could actually help your credit score by reducing your amount owed. Make sure to only spend what you can afford to pay off to avoid incurring more debt and high interest fees.
Why You Should Trust Us: How We Chose the Best Credit Cards with 0% Interest
Business Insider chose the best credit cards with 0% introductory APR offers by looking through all the credit cards thatoffered zero-interest periods. We then evaluated the terms and length of each introductory offer, with longer introductory periods ranking highly. We also considered rewards, like cash back or travel points, card benefits, and factors like annual fees and foreign transaction fees.
Here's our methodology for rating credit cards.
Freelance Writer
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson ownsClub Thriftyand is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Junior Investing Reporter
Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts. She originally joined the PFI team as a Personal Finance Reviews Fellow in 2022.Her love of books, research, crochet, and coffee enriches her day-to-day life.
Marketing Compliance Manager
Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
Top Offers From Our Partners
SoFi Checking and Savings Earn up to 4.60% APY on savings balances and up to a $300 bonus with qualifying direct deposit. FDIC Insured. There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. To earn the $300 bonus, the customer must complete a direct deposit with a minimum initial deposit of $250 in a new SoFi Checking and Savings account within 45 days of clicking to qualify (offer expires 06/30/24).
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
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