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Best 0% APR credit cards of April 2020

Last Updated, April 8, 2020

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

Best 0% intro APR credit cards of 2019

Finding the best introductory 0% 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, at least) 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 OFFERS0% APR CREDIT CARDS FOR BUSINESSES | 0% APR CREDIT CARD FOR FAIR CREDIT

BEST 0% INTRO APR CREDIT CARDS WITH REWARDS

Chase Freedom Unlimited®

(This card is not currently available on CardRatings)

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 3% when you transfer during the first 60 days of account opening, with a minimum of $5. Then, 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

Cardholder Ratings: Overall score = 86.2; See additional cardholder ratings for this card

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

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, 13.99%-25.99% 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 the full Wells Fargo Cash Wise Visa® card review

Credit Needed: Excellent, Good

Cardholder Ratings: Overall score = 81.0; See additional cardholder ratings for this card

Blue Cash Everyday® Card from American Express

(This card is not currently available on CardRatings)

Due to the impact of COVID-19, for eligible Card accounts approved from December 1, 2019 through May 31, 2020 for which you are eligible for a welcome offer, the period to make eligible purchases to earn your welcome bonus will be extended for an additional 3 months. Eligible Cards are U.S. Consumer and Business Cards issued by American Express National Bank to a Basic Card Member.

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, 12.99% - 23.99% 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

Capital One® Quicksilver® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

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. This card also makes a great international travel companion as it doesn't charge any foreign transaction fees.

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, 15.49% - 25.49% (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. Read our full Capital One® Quicksilver® Cash Rewards Credit Card review.

Credit Needed: Excellent, Good

Cardholder Ratings: Overall score = 85.0; See additional cardholder ratings for this card

Capital One® SavorOne® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

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 15.49% - 25.49% (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. Read our full Capital One® SavorOne® Cash Rewards Credit Card review.

Credit needed: Excellent, Good

Cardholder Ratings: Overall score = 87.6; See additional cardholder ratings for this card

Bank of America® Cash Rewards credit card

(This card is not currently available on CardRatings)

Why We Like It: When you can pair a solid intro 0% APR period with the opportunity to earn top cash back in a category of your choosing (from a list of six options), you're looking at a winner of a credit card.

The Bonus: Earn a $200 online cash rewards bonus after making $1,000 in purchases on your new card within the first 90 days.

0% Interest Details: Take advantage of an introductory 0% APR period of 15 billing cycles on purchases and on balance transfers made within the first 60 days (then, See Terms). A balance transfer fee applies of either $10 or 3% of the amount of each transaction, whichever is greater.

The Annual Fee: $0

The Rewards: Earn 3% cash back in a category of your choosing from the following list: gas, online shopping, dining, travel, drug stores or home improvement/furnishings; earn 2% back on your grocery store and wholesale club purchases (3% and 2% earnings apply to the first $2,500 spent quarterly on combined choice category/grocery store/wholesale club purchases, then earn 1%); and 1% back on everything else. Read our full Bank of America® Cash Rewards credit card review.

Credit Needed: Excellent/Good

Cardholder Ratings: Overall score = 84.1; See additional cardholder ratings for this card


BEST 0% INTRO APR CREDIT CARD FOR TRAVELING ABROAD

Capital One® Quicksilver® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

Why We Like It: We love this card because it offers 0% intro APR on both purchases and balance transfers, plus earns rewards. There's also no foreign transaction fees associated with this card, so it's perfect for your next international getaway.

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, 15.49% - 25.49% (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. Read our full Capital One® Quicksilver® Cash Rewards Credit Card review.

Credit Needed: Excellent, Good

Cardholder Ratings: Overall score = 85.0; See additional cardholder ratings for this card


CREDIT CARDS WITH THE LONGEST 0% INTRO APR PERIODS

Citi® Diamond Preferred® Card

Why We Like It: The Citi® Diamond Preferred® Card is a favorite because it combines an exceptionally long 0% interest period with credit health through FICO Score monitoring. (Citi is a CardRatings advertiser.)

The Bonus: This is another card that doesn't have a rewards program, but you can think of the money you're saving on interest as your reward.

0% Interest Details: The Citi® Diamond Preferred® Card features a 0% introductory APR for 21 months from the date of your first balance transfer and all transfers must be made within the first four months. There is a balance transfer fee of 5% of the amount of each transfer (or $5, whichever is greater). This intro period gives you nearly two years to spread out your payments without paying interest (then, 13.74% – 23.74% Variable). Enjoy 12 months of no interest on purchases.

The Annual Fee: $0

The Rewards: There are no traditional rewards offered with this card. Read our full review of the Citi® Diamond Preferred® Card.

Credit Needed: Good, Excellent

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."

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, 14.74% - 24.74% (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

Cardholder Ratings: Overall score = 85.1; See additional cardholder ratings for this card

BankAmericard® credit card

(This card is not currently available on CardRatings)

Why We Like It: For 18 glorious billing cycles, you can get See Terms, as well as balance transfers made within the first 60 days of opening an account. If you're looking to pay off debt by doing a balance transfer, or you want to buy something big and pay it off over time, without being hobbled by interest, this could be your card.

Another nice thing, if you pay late, your interest rate won't be automatically raised. This is a nice perk; but before you get too excited, it's important to know that there's still a fee (Up to $40) for paying late – and, of course, if you are super late, you could eventually hurt your credit. If you are only a few days late however, it shouldn't cost you a fortune in the long run.

The Bonus: Paying late won't automatically raise your APR. Be aware, though, that there is still a late fee (Up to $40) for late payments.

0% Interest Details: Enjoy See Terms for your first 18 billing cycles for purchases and for any balance transfers made within the first 60 days of opening your account. After that, See Terms and balance transfers. Balance transfer fees apply.

The Annual Fee: $0

The Rewards: There are no traditional rewards offered with this card, however, you could easily consider the extra money you'll save on interest charges thanks to that 18-month no APR period, as a reward. See our full BankAmericard® credit card review.

Credit Needed: Excellent/Good

Cardholder Ratings: Overall score = 77.4; See additional cardholder ratings for this card


BEST 0% INTRO APR CREDIT CARDS FOR BUSINESSES

Ink Business Cash℠ Credit Card

(This card is not currently available on CardRatings)

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. Read our full Ink Business Cash℠ Credit Card review.

Credit Needed: Excellent, Good

Cardholder Ratings: Overall score = 83.2; See additional cardholder ratings for this card

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

American Express Blue Business Cash™ Card

(This card is not currently available on CardRatings)

Why We Like It: From workflow to inventory to floor plans, your business is constantly changing. This card gives you the power to spend beyond your credit limit with Expanded Buying Power. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, and other factors. And this is all in addition to the introductory APR offer and cash back on eligible purchases.

The Bonus: There is no traditional bonus offered with this card; however, we consider the amount of money you can save because of the introductory 0% APR period a bonus of sorts.

0% Interest Details: Enjoy 0% APR on both purchases and balance transfers for 12 months from account opening, then 13.24% - 19.24% Variable.

The Annual Fee: No annual fee

The Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Read our full American Express Blue Business Cash™ Card review

Credit Needed: Good, Excellent

Cardholder Ratings: Overall score = 86.6; See additional cardholder ratings for this card

U.S. Bank Business Platinum

(This card is not currently available on CardRatings)

Why We Like It: Between its generous 0% APR offer (good for 20 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 20 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 20 billing cycles, it moves to a 9.99%-17.99%* 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. Read our full U.S. Bank Business Platinum review.

Credit Needed: Excellent

The Blue Business® Plus Credit Card from American Express

(This card is not currently available on CardRatings)

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.

The Bonus: While there isn't a current rewards bonus, account holders 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 13.24% - 19.24% Variable APR will apply.

The Annual Fee: No annual fee

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. Read the full The Blue Business® Plus Credit Card from American Express review.

Credit Needed: Good, Excellent

Cardholder Ratings: Overall score = 85.7; See additional cardholder ratings for this card


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 18 months on 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. Read our full ABOC Platinum Rewards Mastercard® Credit Card review.

Credit Needed: Excellent, Good


CARDHOLDERS RATE THE BEST 0% APR CARDS

CardRatings experts have been curating lists of the best credit cards in a variety of categories for more than 20 years. For our 2020 picks, however, we took it a step further. We polled more than 1,500 cardholders across 65 popular credit cards to see how those cards rate with everyday cardholders. Below you'll find the scores for the top 0% APR credit cards on the list.

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card
OVERALL SCORE
OVERALL SCORE

85.0

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.4

CUSTOMER SERVICE
CUSTOMER SERVICE

8.5

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.6

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

9.1

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.4

LEARN MORE
LEARN MORE

Read the full Capital One® Quicksilver® Cash Rewards Credit Card review

Chase Freedom Unlimited®

Chase Freedom Unlimited®
OVERALL SCORE
OVERALL SCORE

86.2

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.6

CUSTOMER SERVICE
CUSTOMER SERVICE

8.7

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.6

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

9.0

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.4

LEARN MORE
LEARN MORE

Read the full Chase Freedom Unlimited® review

Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card
OVERALL SCORE
OVERALL SCORE

87.6

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.6

CUSTOMER SERVICE
CUSTOMER SERVICE

8.9

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

9.0

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

9.0

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.7

LEARN MORE
LEARN MORE

Read the full Capital One® SavorOne® Cash Rewards Credit Card review

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card
OVERALL SCORE
OVERALL SCORE

81.0

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.0

CUSTOMER SERVICE
CUSTOMER SERVICE

8.2

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.3

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.6

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

7.9

LEARN MORE
LEARN MORE

Read the full Wells Fargo Cash Wise Visa® card review

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card
OVERALL SCORE
OVERALL SCORE

84.1

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.5

CUSTOMER SERVICE
CUSTOMER SERVICE

8.4

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.4

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.8

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.2

LEARN MORE
LEARN MORE

Read the full Bank of America® Cash Rewards credit card review

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
OVERALL SCORE
OVERALL SCORE

85.1

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.4

CUSTOMER SERVICE
CUSTOMER SERVICE

8.6

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.6

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.9

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.4

LEARN MORE
LEARN MORE

Read the full review of the Citi Simplicity® Card - No Late Fees Ever.

BankAmericard® credit card

BankAmericard® credit card
OVERALL SCORE
OVERALL SCORE

77.4

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

7.5

CUSTOMER SERVICE
CUSTOMER SERVICE

7.9

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.1

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.5

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

7.6

LEARN MORE
LEARN MORE

Read the full BankAmericard® credit card review

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card
OVERALL SCORE
OVERALL SCORE

83.2

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.1

CUSTOMER SERVICE
CUSTOMER SERVICE

8.5

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.5

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.7

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.3

LEARN MORE
LEARN MORE

Read the full Ink Business Cash℠ Credit Card review

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card
OVERALL SCORE
OVERALL SCORE

86.6

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.6

CUSTOMER SERVICE
CUSTOMER SERVICE

8.8

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.5

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

9.0

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.7

LEARN MORE
LEARN MORE

Read the full American Express Blue Business Cash™ Card review

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
OVERALL SCORE
OVERALL SCORE

85.7

VALUE OF REWARDS AND/OR FEATURES
VALUE OF REWARDS AND/OR FEATURES

8.4

CUSTOMER SERVICE
CUSTOMER SERVICE

8.5

WEBSITE/MOBILE APP USABILITY
WEBSITE/MOBILE APP USABILITY

8.8

LIKELIHOOD OF CONTINUING TO USE
LIKELIHOOD OF CONTINUING TO USE

8.9

WILLING TO RECOMMEND TO A FRIEND
WILLING TO RECOMMEND TO A FRIEND

8.7

LEARN MORE
LEARN MORE

Read the full The Blue Business® Plus Credit Card from American Express review

WHAT DOES 0% APR MEAN?

Most simply put, a credit card with 0% APR means that it does not charge interest. You read that right: zero interest. Sound too good to be true? It's not; 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.


WHICH CREDIT CARD HAS THE LONGEST INTEREST-FREE PERIOD?

The Citi® Diamond Preferred® Card and the Citi Simplicity® Card have some of the longest interest-free periods of any offers we've ever seen. Both cards offer 0% introductory APR for 21 months from the date of your first balance transfer (balance transfers must be completed in the first four months of opening an account) and 12 months of no interest on new purchases. After the introductory periods, regular APR will apply (13.74% – 23.74% Variable for Diamond Preferred® and 14.74% - 24.74% (Variable) for Citi Simplicity®).

The BankAmericard® credit card is another solid choice. Its balance transfer offer isn't quite as generous as the Citi cards, but at 18 billing cycles, the intro 0% APR period for balance transfers AND new purchases that this card offers makes it a solid competitor to the Citi options. After the intro period, regular APR of See Terms will apply.

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); American Express Blue Business Cash™ Card (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.

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