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Best 0% intro APR credit cards of December 2019

Last Updated, December 2, 2019

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Best 0% intro APR credit cards of 2019

Finding the best 0% introductory APR credit card could make a major purchase in your future a lot easier to swallow. Before you consider a store credit card or an outside loan, it's a smart move check out our 0% intro APR interest credit card offers from our partners. Pick the right card and you can spread out your payments over time without paying interest or fees.

Many balk at opening a new card, but it can actually be cheaper than dipping into your savings account since you'll allow that money to remain untouched and still earning interest. And, if done correctly, it's certainly cheaper than taking out a separate loan on which you'l be paying interest.

This course should be carefully considered, though. If you don't pay off the balance before the zero-interest introductory period ends, the standard rate kicks in, and standard credit card rates are rarely cheap forms of a loan. And, if you're seriously late making a monthly payment, you could find the whole deal scrapped and standard or even penalty rates applied. But, for the right person, diligent with managing money, these deals could be too good to pass up. Think of them as interest-free (for a time!) loans.

Here are some of our expert picks for the best 0% APR credit cards:

BEST 0% INTRO APR CREDIT CARDS

0% APR CREDIT CARDS WITH REWARDS | 0% APR CREDIT CARDS FOR TRAVELING ABROAD | LONGEST 0% APR OFFERS | 0% APR CREDIT CARD FOR FAIR CREDIT0% APR CREDIT CARDS FOR BUSINESSES

BEST 0% INTRO APR CREDIT CARDS WITH REWARDS

Capital One® SavorOne® Cash Rewards Credit Card

Why We Like It: A lengthy 0% APR period, a signup bonus, and generous ongoing rewards make the Capital One® SavorOne® Cash Rewards Credit Card a winner in our book.

The Bonus: New cardholders can earn a one-time $150 cash bonus after spending $500 on purchases within the first three months from account opening.

0% Interest Details: Enjoy 0% intro APR on purchases and balance transfers for 15 months, then 15.74% - 25.74% (Variable). A 3% fee will be charged on the amounts transferred within the first 15 months.

Annual fee: $0

The Rewards: Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.

Credit needed: Excellent, Good

Chase Freedom Unlimited®

Why We Like It: If you're an excellent money manager, you may not be intrigued by promises of no late fees or penalty rates – you're probably never going to pay those anyway. But you may be very interested to know you can earn 1.5% cash back on every purchase you make, plus earn a $150 bonus just for spending $500 in your first three months as a new cardholder. 

The Bonus: Earn $150 cash back once you spend $500 in your first three months as a cardholder. 

0% Interest Details: Chase Freedom Unlimited® features a 0% introductory APR for 15 months on purchases and balance transfers (then, 16.49% - 25.24% Variable). There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

The Annual Fee: $0

The Rewards: Earn 1.5% cash back on all your purchases - a great opportunity for someone who appreciates a credit card with rewards but who doesn't want to jump through a bunch of hoops to get them. Read our full review of Chase Freedom Unlimited®.

Credit Needed: Excellent, Good

Wells Fargo Cash Wise Visa® card

Why We Like It: Not only does this card offer you an introductory period of 0% APR on purchases and qualifying balance transfers for 15 months from account-opening (transfers must be made within 120 days to qualify), it also allows you to rack up a simple-to-understand 1.5% cash back on all your purchases AND up to $600 worth of cellular phone protection when you pay your bill on your card.

The Bonus: Earn a $150 cash rewards bonus after you spend $500 on your card in the first three months. Also, you'll earn 1.8% cash back on your qualifying digital wallet purchases such as Google Pay™ or Apple Pay®, for the first 12 months from account-opening.

0% Interest Details: With this card you can take advantage of an introductory period of 15 months no interest on purchases and qualifying balance transfers made within the first 120 days (then, 15.49%-27.49% Variable); balance transfers made within 120 days qualify for the intro rate and fee.

The Annual Fee: $0.

The Rewards: Earn 1.5% cash back on every purchase with no caps or categories to keep up with. Earn 1.8% back on eligible digital wallet purchases for the first 12 months. Read our full Wells Fargo Cash Wise Visa® card review

Credit Needed: Excellent, Good

Blue Cash Everyday® Card from American Express

Why We Like It: The Blue Cash Everyday® Card from American Express offers cardholders a solid introductory no-interest period on purchases and balance transfers, but also comes with a healthy cash-back rewards program. American Express is a CardRatings advertiser.

The Bonus: Receive a $150 statement credit after you spend $1,000 on your new card within the first three months.

0% Interest Details: The Blue Cash Everyday® Card from American Express features a 0% introductory APR of 15 months on purchases and balance transfers (then, 14.49% - 25.49% Variable).

The Annual Fee: $0

The Rewards: Cardholders earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores and 1% back on other purchases. Read our full review of the Blue Cash Everyday® Card from American Express.

Credit Needed: Good, Excellent

Discover it® Balance Transfer

Why We Like It: How does 5% cash back in rotating quarterly categories and a match on all the cash you earn in your first year as a cardholder sound? Not only does this card have strong rewards, as an added perk, the length of the introductory 0% APR period is strong as well, at 18 months. Furthermore, there's an intro period of six months for 0% APR on purchases. And all of this comes at no extra cost thanks to no annual fees...

The Bonus: At the end of your first year as a new cardholder, Discover will match any rewards dollars you earned during that year. So if you earn, say, $300, you'll actually walk away with $600.

0% Interest Details: Enjoy a long introductory period of 18 months 0% APR on balance tranfers, and 6 months on purchases. After the introductory periods expire, a regular APR of 13.49% - 24.49% Variable will apply. During the intro period, balance transfer fees cost 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* of your transfer amount.

The Annual Fee: $0

The Rewards: Earn 5% cash back at different locations each quarter such as at gas stations, grocery stores, restaurants, and Amazon.com, up to the quarterly maximum each time you activate. Plus earn unlimited 1% cash back on all other purchases, and for every dollar spent over the quarterly maximum for bonus categories.

Credit Needed: Excellent, Good


BEST 0% INTRO APR CREDIT CARD FOR TRAVELING ABROAD

Capital One® Quicksilver® Cash Rewards Credit Card

Why We Like It: We like a card that offers a 0% intro period on both purchases and balance transfers AND gives you the opportunity to earn rewards. Plus, that bonus can help you significantly offset the balance transfer fee (3%) of each transfer) should you go that route.

The Bonus: Receive a $150 cash-back bonus after you spend just $500 on purchases within the first three months.

0% Interest Details: The Capital One® Quicksilver® Cash Rewards Credit Card offers you an introductory period of 15 months of no interest on purchases and balance transfers (then, 15.74% - 25.74% (Variable)).

The Annual Fee: $0

Rewards: This is a simple card to use and earn rewards. Rack up 1.5% cash back on every purchase, no matter the category and without caps to worry about.

Credit Needed: Excellent, Good


CREDIT CARDS WITH THE LONGEST 0% INTRO APR PERIODS

Citi Simplicity® Card - No Late Fees Ever

Why We Like It: The Citi Simplicity® Card - No Late Fees Ever offers a lengthy 0% introductory period, but also has some welcome consumer-friendly features: If you're into technology, this card has an EMV chip and allows you to set up automated email or smartphone account alerts to remind you of your card balance, if you've gone over your credit limit and when your next payment's due. Citi also promises fast, personal help, 24 hours a day, just say "representative" (Citi is a CardRatings advertiser).

The Bonus: There are no late fees ever.

0% Interest Details: The Citi Simplicity® Card - No Late Fees Ever features a 0% introductory purchase APR on new purchases for 12 months from account-opening and 21 months from date of first transfer on balance transfers (there is a balance transfer fee of 5% of each balance transfer; $5 minimum.) All transfers must be completed in the first four months, after that, 16.24% - 26.24% (variable), based on creditworthiness.

If you transfer a balance with this offer, after your 0% intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

The Annual Fee: $0

The Rewards: As with most cards focused on 0% intro APR periods, there aren't traditional rewards here. There is, however, that reward of extra money in your pocket since you're saving on interest charges while you get yourself out of debt. Read our full review of the Citi Simplicity® Card - No Late Fees Ever.

Credit Needed: Excellent, Good




BEST 0% INTRO APR CREDIT CARD FOR FAIR CREDIT

ABOC Platinum Rewards Mastercard® Credit Card

Why We Like It: It isn't easy to find a credit card with a 0% introductory APR period if you're in the "fair" credit score range, but this card is just that. Furthermore, it offers some nice rewards, another feature that isn't always easy to come across in this credit range.

The Bonus: Receive a $150 statement credit after you spend $1,200 on purchases within the first 90 days of card membership.

0% Interest Details: Take advantage of an introductory 12 months no interest on purchases and balance transfers (then, 14.40% - 24.40% Variable).

The Annual Fee: $0

The Rewards: Earn five points per $1 spent on the first $1,500 you spend in categories that rotate each quarter. Categories include everything from dining to travel to home improvement purchases and more. Earn one point per $1 on your other purchases and on the bonus category purchases after reaching your quarterly cap.

Credit Needed: Excellent, Good, Average/Fair


BEST 0% INTRO APR CREDIT CARDS FOR BUSINESSES

Ink Business Cash℠ Credit Card

Why We Like It: As a top rewards card for small businesses, this card offers cash back on all purchases without any limit on how much you can earn. You can request employee cards at no additional cost and set individual spending limits on these as well. Of course, the card also comes with a solid 0% APR offer, at 12 months long. Better still? There’s a cash back bonus for new cardholders, AND no annual fees.

The Bonus: Earn a $500 cash back bonus after spending $3,000 on purchases in the first three months after opening the account.

0% Interest Details: Enjoy 0% introductory APR on purchases made within 12 months of the account's opening. After that, a 14.74% - 20.74% Variable APR rate will apply.

The Annual Fee: $0

The Rewards: 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; 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% back on all other purchases with no limit to the amount you can earn.

Credit Needed: Excellent, Good

U.S. Bank Business Platinum

Why We Like It: Between its generous 0% APR offer (good for 12 billing cycles) and its strong customer service, U.S. Bank Business Platinum deserves a spot among the best business credit cards. It has a team of dedicated business specialists who are on-call 24/7, and U.S. Bank has been named one of the 2019 World's Most Ethical Companies by the Ethisphere Institute so you know you're in good hands here.

The Bonus: Since this isn't a rewards card, U.S. Bank Business Platinum card doesn't currently offer a bonus.

0% Interest Details: U.S. Bank Business Platinum offers 0% APR for the first 12 billing cycles after an account is opened. That 0%  offer extends to both purchases and balance transfers. Balances transfers must be completed within the first 30 days of the account opening to be eligible for the introductory rate. After 12 billing cycles, it moves to a 11.99%-19.99%* Variable APR.

The Annual Fee: $0*

The Rewards: This card may not offer rewards, but you really don't need them with all the great features available. Cardholders receive travel and emergency assistance services, purchase security and extended warranty protection. They are also eligible for 15% discounts on certain business purchases through the Visa SavingsEdge program.

Credit Needed: Excellent

The Blue Business® Plus Credit Card from American Express

Why We Like It: American Express has long had a reputation for being among the best credit card issuers. The Blue Business® Plus Credit Card from American Express gives business owners the opportunity to rack up valuable Membership Rewards® points while also having the flexibility to spend over their credit limit if needed. Terms apply.

The Bonus: While there isn't a current rewards bonus, accountholders benefit from an array of business tools including employee cards, an account manager and the ability to connect to QuickBooks.

0% Interest Details: Enjoy 0% interest on both purchases and balance transfers for 12 months. Balance transfers must be made within the first 60 days of the account opening to be eligible for the zero interest offer. After the introductory period, a 14.74% - 20.74% Variable APR will apply. Terms apply.

The Annual Fee: No annual fee Terms apply.

The Rewards: Earn 2X Membership Rewards® points with every purchase, up to $50,000 per calendar year with no category restrictions. Earn 1X point on everything else. Terms apply.

Credit Needed: Good, Excellent


WHAT DOES 0% APR MEAN?

If you're comparing credit cards, you've probably heard the term "0% APR credit cards," but what does that mean? Quite simply, it means a credit card doesn't charge interest. However, not all 0% APR cards operate the same way. Keep reading to learn how 0% APR credit cards work.


HOW DO 0% APR CREDIT CARDS WORK?

Most often, 0% APR is an introductory rate. That means you won't have to pay any interest on purchases or balance transfers for a specific number of months after you open an account. Some cards limit the offer to only purchases or balance transfers while others offer 0% APR on both. Some issuers will even offer a few months on one, and an extra few months on the other, so just be sure to pay close attention to the offer details.

However, there can be caveats to 0% APR cards. For instance, a card may offer 12 months of zero interest, but that could only apply to balance transfers made within the first 60 days. What's more, even if you aren't being charged interest, you might still have to pay a balance transfer fee. Read the fine print before transferring money since the terms for each card can be different.

Also, be aware that if you miss a payment or are late, there could be a penalty such as increased APR, so you’ll want to be sure to still complete your payments on time. And furthermore, if you have a balance on your account when the introductory 0% APR period expires, you’ll be charged the regular APR rate on that balance, so be sure you pay your card off or at least down as much as possible before the introductory period expires.


To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express(See Rates and Fees); The Blue Business® Plus Credit Card from American Express (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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