12 Best 0% APR Credit Cards of January 2025

Uncover APRs are correct as of December 12, 2024. Phrases apply to American Categorical advantages and provides. Go to americanexpress.com to be taught extra.

A bank card will be helpful for financing purchases and consolidating debt if it provides a no-interest interval. A number of the best credit cards can present substantial financial savings with intro APRs on purchases, balance transfers or each — for as much as 21 months. This makes intro 0% APR bank cards a doubtlessly worthwhile instrument for tackling bank card debt.

Beneath, CNBC Select rounds up a number of the finest bank cards that provide no curiosity. See our methodology beneath.

Who’s this card for? The Citi Simplicity® Card is a good choice for consolidating existing credit card debt from different playing cards.

Intro APR provide: You will earn a 0% intro APR for 21 months on steadiness transfers from the date of the primary switch and 0% intro APR for 12 months on purchases from the date of account opening (variable APR can be 18.49% – 29.24% afterward). There’s an intro steadiness switch payment of three% of every switch (minimal $5) accomplished throughout the first 4 months of account opening. After that, the payment can be 5% of every switch (minimal $5).

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Who’s this card for? The Wells Fargo Reflect® Card is right for those who’re seeking to repay massive purchases over time or consolidate present debt.

Intro APR provide: The Wells Fargo Reflect Card provides a 0% intro APR for 21 months from account opening on purchases and qualifying steadiness transfers (17.49%, 23.99%, or 29.24% variable APR afterward). Steadiness transfers made inside 120 days from account opening qualify for the intro price, the steadiness switch payment is 5% with a $5 minimal.

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Who’s this card for? The Capital One Savor Cash Rewards Credit Card is a superb decide if you wish to reap the benefits of beneficiant bonus cash-back classes and an intro APR.

Intro APR provide: With a brand new Capital One Savor Cash Rewards Card, you may get a 0% intro APR on purchases and steadiness transfers for 15 months, then a 19.49% – 29.49% variable APR applies after that. The intro steadiness switch payment is 3% of the quantity of every transferred steadiness for the primary 15 months, then 4% of the quantity of every transferred steadiness at a promotional APR that Capital One might give you at some other time.

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Who’s this card for? The Wells Fargo Active Cash® Card is a good alternative for incomes money rewards in your everyday purchases, in addition to interest-free financing.

Intro APR provide: The Wells Fargo Active Cash Card comes with 0% intro APR for 12 months from account opening on purchases and qualifying steadiness transfers (after that, a 19.49%, 24.49%, or 29.49% variable APR applies). Steadiness transfers made throughout the first 120 days qualify for an intro switch payment of three% of the quantity transferred, after that, a 5% payment of the quantity you switch applies ($5 minimal).

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Who’s this card for? The Chase Freedom Unlimited® is one other robust cash-back card with interest-free options.

Intro APR provide: You will get a 0% intro APR for 15 months from account opening on purchases and steadiness transfers (19.74% – 28.49% variable APR afterward). There’s an intro steadiness switch payment of three% of every switch ($5 minimal) for the primary 60 days, then the payment will increase to five% of every switch ($5 minimal).

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Professional tip: You possibly can pair this card with a Chase checking account

If you open a Chase Total Checking® account, you possibly can earn a $300 bonus after you make a minimum of $500 in direct deposits inside 90 days of opening the account. You may also waive the month-to-month upkeep payment with qualifying activities.

Who’s this card for? Relying in your spending habits, the Blue Cash Everyday® Card from American Express could make sense due to how rewarding it may be for widespread purchases reminiscent of groceries, fuel and on-line retailers.

Intro APR provide: The Blue Cash Everyday Card provides a 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR of 18.24%-29.24%, (see rates and fees). To qualify for the intro APR, steadiness transfers should be requested inside 60 days of account opening and there is a steadiness switch payment that is both $5 or 3% of the quantity of every switch (whichever is larger).

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Professional tip: You possibly can pair this card with an Amex checking account

An American Express® Rewards Checking account comes with a 1.00% APY and no month-to-month upkeep charges. Plus, you may earn Membership Rewards factors on eligible debit card purchases (one level for each $2 in eligible spending).

Who’s this card for? The Citi® Diamond Preferred® Card is one other nice choice for financing massive purchases or transferring present bank card debt.

Intro APR provide: You will obtain a 0% intro APR for 21 months on steadiness transfers from the date of the primary switch that is accomplished inside 4 months of account opening and 0% intro APR for 12 months on purchases (17.49% – 28.24% variable APR afterward). There’s a steadiness switch payment of 5% of the quantity you switch with a $5 minimal.

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Who’s this for: The Capital One VentureOne Rewards Credit Card is superb for those who do not wish to pay an annual fee as a result of it earns transferrable journey rewards, on high of its intro-APR provide.

Intro APR provide: The Capital One VentureOne card comes with an intro 0% APR on purchases and steadiness transfers for 15 months, after {that a} variable APR of 19.49% – 29.49% applies. There’s an intro steadiness switch payment of three% of every switch you full within the first 15 months your account is open. After that interval, the switch payment is 4% of every switch you full at a promotional APR Capital One might give you at some other time.

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Intro APR provide: If you open a Discover it Cash Back card, you possibly can reap the benefits of a 0% intro APR on purchases and balances switch for 15 months, then a variable 18.49% to 27.49% APR applies. There’s a 3% intro steadiness switch payment and as much as a 5% payment on future steadiness transfers (see phrases).

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Who’s this for: The Citi Double Cash® Card is a beneficiant cash-back rewards credit card to make use of on day by day bills that additionally comes with an ideal steadiness switch provide.

Intro APR provide: Upon approval for the Citi Double Cash Card, you may get a 0% intro APR for 18 months on steadiness transfers (18.49% – 28.49% variable APR afterward; steadiness transfers should be accomplished inside 4 months of account opening). The steadiness switch payment is 3% of the amount you transfer ($5 minimal) throughout the first 4 months, then the steadiness switch payment will increase to five% of any quantity you switch ($5 minimal).

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Who’s this for? The Citi Custom Cash® Card is right if the place you spend essentially the most modifications from month to month and also you wish to maximize the return you get in your spending.

Intro APR provide: The Citi Custom Cash Card provides an intro 0% APR for 15 months on purchases and eligible steadiness transfers, after that an 18.49% – 28.49% variable APR applies, primarily based in your creditworthiness. There’s a steadiness switch payment of 5% of the quantity of every switch ($5 minimal).

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Who’s this card for? The Chase Freedom Flex® is a terrific choice for somebody on the lookout for a card with rotating spending categories, in addition to interest-free financing.

Intro APR provide: You possibly can reap the benefits of a 0% intro APR for 15 months from the date you open your Freedom Flex account opening on purchases and steadiness transfers (19.74% – 28.49% variable APR afterward). There’s an intro steadiness switch payment of three% of the quantity of every switch ($5 minimal) for transfers you make throughout the first 60 days. After that, the usual steadiness switch payment is 5% of the quantity of every switch ($5 minimal).

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Anybody seeking to save curiosity on purchases and steadiness transfers will recognize the Wells Fargo Reflect® Card’s lengthy intro-APR provide for purchases and steadiness transfers. This card additionally provides roadside dispatch and cell phone protection (As much as $600 of cellphone safety in opposition to harm or theft. Topic to a $25 deductible).

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The Capital One Savor Cash Rewards Credit Card is a no-annual-fee rewards card that earns aggressive returns on widespread spending classes and provides a useful intro APR. This card has no overseas transaction charges, extended warranty coverage and journey accident insurance coverage.

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The Wells Fargo Active Cash® Card comes with cell phone insurance that covers harm, theft and lack of a cellphone. This insurance coverage has a $25 deductible with a max protection of $600 per declare. This card additionally has roadside dispatch, journey and emergency help providers and rental automobile collision protection.

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• 5% again on journey bought by way of Chase Journey℠
• 5% again on Lyft rides (by way of March 2025)
• 3% again at drugstores
• 3% again on dining at eating places (together with takeout and eligible supply providers)
• 1.5% again on all different purchases

Welcome bonus

Earn a further 1.5% money again on as much as $20,000 spent within the first 12 months – value as much as $300 money again.

Annual payment

$0

Notable perks

The Chase Freedom Unlimited® provides greater than only a wholesome intro-APR interval, it is also an extremely rewarding cash-back bank card. You will additionally obtain purchase protection, prolonged guarantee safety, rental automobile protection and journey cancellation/interruption insurance coverage.

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$0 (see rates and fees)

Notable perks

For a no-annual-fee card, the Blue Cash Everyday® Card from American Express has a stunning quantity of assertion credit score perks. You possibly can obtain as much as $84 again per 12 months in Disney Bundle credit score ($7 again per thirty days once you spend a minimum of $9.99 per thirty days on eligible auto-renewing subscriptions; enrollment required). You may also obtain as much as $180 again per 12 months on Dwelling Chef subscriptions (as much as $15 again per thirty days on auto-renewing subscriptions; enrollment required).

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The money again you earn with the Discover it® Cash Back is simple to redeem for assertion credit, financial institution deposits, gift cards and Amazon purchases. With this card, you will not pay any overseas transaction charges.

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The Citi Double Cash® Card has no annual payment, which makes its limitless 2% again on all purchases that rather more spectacular. There are a number of particular cardmember packages, together with Citi Leisure℠, which provides cardholders first entry to buy tickets for hundreds of concert events and occasions. The cardboard additionally supplies entry to Citi® Id Theft Options, a service that may show you how to for those who’re a sufferer of id theft.

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The Citi Custom Cash® Card is a no-annual-fee card with bonus cash-back classes that shift together with your spending habits. Past rewards, its standout perk is its introductory APR provide.

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The Chase Freedom Flex® has a notable intro-APR provide. Cardholders can even enroll for 3 complimentary months of DashPass (activate by Dec. 31, 2027).

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You will have to provide you with a plan to pay off credit card debt. The quantity you could pay every month to have a zero steadiness on the finish of the intro interval is determined by the size of the intro interval.

For instance, in case you have a $4,500 steadiness on the Chase Freedom Flex, which provides an intro APR interval of no curiosity for the primary 15 months on steadiness transfers and purchases (after, 19.74% – 28.49% variable APR), you may have to pay $300 every month to repay your previous steadiness earlier than the intro interval ends. However in case you have the U.S. Bank Visa® Platinum Card, with 0% intro APR for 18 months on steadiness transfers (then 18.74% – 29.74% variable APR), the month-to-month cost decreases to $250.

Repay your steadiness in full

It is crucial to repay any transferred debt or lingering new buy balances earlier than the intro 0% APR interval ends. For those who do not, anticipate to be hit with the common buy APR. And in case you have a store card, you possibly can be hit with a invoice for all of the curiosity you accrued because the date you made your buy or switch (generally known as deferred interest). Not one of the playing cards on this record cost cardholders deferred curiosity.

Calculate how a lot you possibly can save with a 0% APR bank card

The largest purpose to get a 0%-APR bank card is to avoid wasting on curiosity, and the way a lot you may save is determined by your bank card steadiness, steadiness switch charges, present rate of interest and the size of the intro APR interval.

This is how a lot you possibly can save with a 12-month intro APR and 18-month intro APR in case you have a $5,000 bank card steadiness, a 22% APR and pay it off in 12 or 18 months. We factored within the steadiness switch payment (sometimes 3% to five% of the quantity you switch), which eats into your financial savings however will be value paying.

For those who plan on making massive purchases, reminiscent of a new iPhone or exercise gear, and wish extra time to pay them off, a 0% APR card will help you pay over time with no curiosity costs.

When you may have bank card debt

When you have debt on a high-interest card, finishing a steadiness switch to a card with no curiosity for as much as 20 months will help you pay it off quicker and cheaper.

For those who fall into each classes, a card with no curiosity on new purchases and steadiness transfers will help you repay massive bills and previous debt on the identical time. Keep in mind that you may have to make minimal funds in your steadiness and pay it off in full earlier than the intro interval ends to keep away from curiosity.

• Are you carrying debt from a high-interest bank card? Then it is best to take into account a balance transfer credit card with as much as 21 months of no curiosity.
• Do you propose on making a big buy? A 0% APR card can present a prolonged intro interval that lets you repay debt for over a 12 months with no curiosity.
• Do you carry a steadiness month to month? A low-interest credit card provides a comparatively constant APR each month, in comparison with 0% APR playing cards that sometimes cost high-interest charges after the intro interval ends.

After you identify which bank card you wish to apply for, there are key elements you may wish to examine playing cards.

Size of intro APR interval

An intro APR interval sometimes lasts anyplace from six to 21 months. Many well-liked rewards cards provide no curiosity for as much as 15 months, and non-rewards playing cards can have 18- and 21-month intro 0% APR intervals.

Common APR

Sadly, an intro 0% APR will not final endlessly. For those who do not repay your steadiness earlier than the 0%-APR interval expires, you may begin accruing curiosity once more. So take into account the common APR earlier than selecting a card for those who assume you could carry a steadiness as soon as the intro 0% APR interval ends.

Steadiness switch payment

Most steadiness switch playing cards cost a payment per switch, sometimes 3% to five% of the switch quantity. The cash you save in curiosity can outweigh this payment, however be certain to do the mathematics. To keep away from charges, take a look at the best no-fee balance transfer credit cards.

Annual payment

Playing cards with a 0% APR interval typically even have an annual payment. Be certain to overview the annual payment annually and examine it with the worth you are getting from the cardboard’s perks to resolve whether or not it is value retaining.

Rewards and perks

The most effective 0% APR playing cards additionally provide money again, factors and miles. As well as, you might also be capable of reap the benefits of different perks reminiscent of buy and travel protections. Whereas these are good advantages, paying off debt ought to be your major aim. Though a card’s advantages should not drive your determination, they’ll add to the worth you obtain and should not be fully ignored.

At CNBC Choose, our mission is to offer our readers with high-quality service journalism and complete client recommendation to allow them to make knowledgeable selections with their cash. Each bank card overview relies on rigorous reporting by our crew of skilled writers and editors with intensive data of bank card merchandise. Whereas CNBC Choose earns a fee from affiliate companions on many provides and hyperlinks, we create all our content material with out enter from our industrial crew or any outdoors third events, and we satisfaction ourselves on our journalistic requirements and ethics. See our methodology for extra info on how we select the perfect 0% APR bank cards.

To find out which playing cards provide the perfect worth for intro-APR provides, CNBC Select analyzed over 250 main bank cards issued by way of FDIC-insured banks and NCUA-insured credit score unions which can be extensively obtainable within the U.S.  

We in contrast every card on a variety of options, together with rewards (e.g., money again, factors and miles), annual charges, welcome bonuses, introductory and normal APR and steadiness switch charges and overseas transaction charges. We additionally thought of further perks (e.g., ongoing journey or service provider assertion credit), cardholder protections (e.g., buy safety, $0 legal responsibility safety and journey insurance coverage), the appliance course of when obtainable (e.g., is there a credit score pull or required credit score rating) and the way straightforward it’s to redeem factors (e.g., are rewards are tied to a selected model; if transferable, to what number of/which companions, are you able to redeem for straight money again). 
 
We additionally thought of CNBC Choose viewers information when obtainable, reminiscent of common demographics and engagement with our content material and instruments.  

For the playing cards that provided a rewards program, we thought of client spending information forecasts from location intelligence agency Esri to find out the place U.S. shoppers are spending essentially the most cash, like on eating and journey. We used this to assist decide what bonus classes are most helpful for shoppers. Because the worth of some extent or mile varies primarily based on what they are often redeemed for, we additionally thought of issues like transferability and the flexibility to redeem for cash-back. 

When selecting the perfect 0% curiosity bank cards, we targeted on the size of the intro APR provide and whether or not the 0% curiosity applies to purchases, steadiness transfers or each. We additionally thought of steadiness switch charges and the size of time new cardholders should make a switch and nonetheless qualify for the intro APR. Some 0%-interest bank cards do not provide rewards, intro bonuses or different ongoing advantages. Nonetheless, many bank cards present intro-APR provides and extra perks, when these can be found they factored into our selections. 

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For Capital One merchandise listed on this web page, a number of the above advantages are offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply

Details about the Financial institution of America® Limitless Money Rewards Card has been collected independently by Choose and has not been reviewed or offered by the issuer of the cardboard previous to publication.

For charges and charges of the Blue Money On a regular basis® Card from American Categorical, click on here.

For charges and charges of the Uncover it® Money Again, click on here.