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Best 0% intro APR credit cards of June 2020

The best intro 0% APR credit cards give you extra time to pay off a purchase interest-free and many come with extra perks and features like rewards and more.
Brooklyn Lowery, CardRatings Senior Manager Last Updated, July 1, 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.

0% intro APR credit cardsFinding 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.

LIST OF WINNERS

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 INTRO 0% CARDS WITH CASH-BACK REWARDS

5
About Our Ratings

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 that some cash-back cards offer – 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 (then, 14.99 - 23.74% Variable).

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.

Credit Needed: Excellent, Good

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

PROS:

  • No-annual-fee credit cards don’t always come with a welcome bonus, but this one offers new cardholders who spend at least $500 in the first three months of opening an account $150 cash back. This is a nice way to get membership started.
  • Earn 1.5% cash back on every purchase, no matter the category.
  • There’s no cap on the amount of rewards you can earn and points don’t expire.

CONS:

  • Earning 1.5% cash back on all purchases is great, but if you spend a lot in select categories you might stand to earn more with a rotating or tiered category card that offers higher rewards in those categories.
  • If you frequently travel abroad, this might not be the card for you as it charges a 3% of each transaction in U.S. dollars fee on all foreign transactions.

Read our full review of Chase Freedom Unlimited®.

Wells Fargo Cash Wise Visa® card

(This card is not currently available on CardRatings)
5
About Our Ratings

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.

Credit Needed: Excellent, Good

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

PROS:

  • New cardholders earn an introductory cash-back bonus of $150 after spending $500 in the first three months of card membership.
  • Enjoy a bonus reward rate of 1.8% cash back for the first 12 months when making qualifying digital wallet purchases, otherwise it's 1.5% on all purchases.
  • Pay your cellular bill with your card and get up to $600 of protection on your cell phone (subject to a $25 deductible) against covered damage and theft.

CONS:

  • The reward percentage boost for making qualifying digital purchases is nice, but this offer is only good for the first year. After that, those purchases drop to the normal earn rate of 1.5%.
  • Simplicity might be what you're after; however, if you spend a lot on particular purchases you might stand to earn more with a rotating or tiered category card that offers higher rewards in those areas.
  • This might not be the card for you if you frequently travel abroad as it charges a 3% fee on all foreign transactions.

Read our full Wells Fargo Cash Wise Visa® card review

Blue Cash Everyday® Card from American Express

(This card is not currently available on CardRatings)
5
About Our Ratings

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

The Bonus: Earn 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 (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.

Credit Needed: Good/Excellent

PROS:

  • For a credit card with no annual fee, Blue Cash Everyday® has high ongoing rewards: 3% cash back at U.S. supermarkets (up to $6,000 spent annually), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back for all other purchases.
  • This card offers really solid rewards in a category that benefits the majority of people: U.S. supermarkets.
  • Earn a $150 bonus statement credit after you spend $1,000 in the first three months of card membership.

CONS:

  • The earn rate on U.S. supermarket purchases is great, especially for a card with no annual fee; however, that earn rate is capped annually at $6,000. After that, users will only earn 1% on those purchases. For many people though, this might not be a problem.
  • Be sure to pay attention to what American Express considers a supermarket. For example, superstores such as Walmart and Target do not qualify for 3% back.
  • Though the fee is better than some, this might not be the card for you if you frequently travel abroad as it charges a 2.7% fee on all foreign transactions.

Read our full review of the Blue Cash Everyday® Card from American Express.

Capital One® SavorOne® Cash Rewards Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: A lengthy 0% APR period, a welcome 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.

Credit needed: Excellent, Good

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

PROS:

  • Finally, a card for foodies! We love that this no-annual-fee card offers 3% cash back on dining and entertainment purchases, rewarding us for something we all have to do – eat!
  • Not only is this a good card for dining out, but it’s great for eating in as well thanks to 2% earned at grocery stores.
  • You can earn a tasty $150 cash bonus after spending just $500 in the first three months after opening your account.

CONS:

  • This is an excellent no-annual-fee card for people whose spending is largely on food, whether dining out or shopping at grocery stores. If that isn't you, you'll want to search for a cash-back card with higher earn rates in other categories.
  • If you like to accumulate miles for travel or like to redeem your rewards for merchandise, this is likely not the card for you. It's technically possible to redeem your rewards for things like gift cards, but it's really designed as a cash-back card and the value of redemption changes when you start looking at other redemption options.

Read our full Capital One® SavorOne® Cash Rewards Credit Card review.

Bank of America® Cash Rewards credit card

(This card is not currently available on CardRatings)
5
About Our Ratings

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)

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.

Credit Needed: Excellent/Good

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

PROS:

  • This card allows you to maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. That kind of opportunity is impressive.
  • Earn a $200 online cash back bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • If you’re a Bank of America Preferred Rewards client you could earn 25%-75% more cash back on every purchase made. That means the 3% choice category rewards could be worth as much as 5.25% and the 2% categories could be worth as much as 3.5% back! That’s excellent rewards-earning for any card, but especially for a card with no annual fee.

CONS:

  • One potential downside of this credit card depends on your spending habits. You do get to choose the category you want your cash back rewards in, but the cap is $2,500 per quarter. Do the math, do your homework, and make sure it's worth it for you. You don't want to leave money on the table if you could earn more with another card.
  • A balance transfer fee applies of either $10 or 3% of the amount of each transaction, whichever is greater.. This is pretty standard for balance transfer credit card offers, though.
  • This card charges a 3% foreign transaction fee, so if you frequently travel abroad, you might want to consider bringing another card along for your international purchases.

Read our full Bank of America® Cash Rewards credit card review.

BEST INTRO 0% CARDS WITH REWARDS

5
About Our Ratings

Why We Like It: With this card you're able to rack up points fast as it essentially rewards points in increments of 10. You'll earn two points for every dollar spent at supermarkets and gas stations (up to $6,000 in purchases each year) and one point for every dollar spent on all other eligible purchases. However, since Citi rounds up points on every purchase to the next highest 10, you'll get a bit more than that. For example, buy a $3 cup of coffee and get 10 points instead of three. Spend $41 at the supermarket and get 90 points instead of 82. Plus at 15 months long, the intro 0% purchase APR offer is good too (after the intro period 13.49% - 23.49% (Variable) APR will apply). Citi is a CardRatings advertiser

The Bonus: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within three months of opening an account; redeemable for $150 in gift cards at thankyou.com.

0% Interest Details: Enjoy 0% intro APR on balance transfers and purchases for 15 months (then, 13.49% - 23.49% (Variable); balance transfers are subject to a fee of $5 or 3% of each transfer, whichever is greater.

The Annual Fee: $0

The Rewards: Earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X point thereafter. Plus, earn 1X point on all other purchases. Read our full Citi Rewards+ Card review.

Credit Needed: Excellent

PROS:

  • Rounding up to the nearest 10 points on every purchase is a unique feature that means your points could add up quite quickly.
  • An intro 15 months of no interest on purchases and balance transfers is a nice length of time to pay off a transfer or big purchases interest-free.
  • Since this cards awards accumulate as ThankYou® points, you can use your rewards for travel, cash back or a number of other redemption options.

CONS:

  • Don't overlook the balance transfer fee of 3% of each balance transfer; $5 minimum. That's in-line with other cards' fees, but you should still consider it if you're making a transfer.
  • Speaking of fees, this card isn't great for traveling overseas as you'll be charged foreign transaction fees of 3% on every purchase while abroad.
  • Keep an eye on the spending cap to earn your 2x points at supermarkets and gas stations – if you'll spend well over that $6,000 per year in those categories combined, you could miss out on higher rewards through another card that doesn't cap those purchases.

Read our full Citi Rewards+ Card review.

BEST INTRO 0% CARDS FOR TRAVELING ABROAD

Wells Fargo Propel American Express® card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: Often travel rewards credit cards focus pretty exclusively on those travel rewards and don't offer a lot in the way of non-travel-related features, including intro0% offers. This card is different. There are great travel-related perks, but also a solid intro 0% offer and even the added bonus of possible cellular phone insuarnace.

The Bonus: Earn 20,000 bonus points – a $200 cash redemption value – after you spend $1,000 in the first three months of card membership..

0% Interest Details: There's an introductory 0% APR period of 12 months on purchases and qualifying balance transfers (then,13.99%-25.99% Variable

The Annual Fee: $0

The Rewards: Earn three points per $1 spent on dining out and ordering in, on travel (including flights, hotels, car rentals and more), and on your gas station, ridehare and transit purchases. You earn one point per $1 on your other purchases.

Credit Needed: Excellent, Good

PROS:

  • No annual fee, no foreign transaction fees AND an intro 0% offer, this card has a little something for everyone.
  • This Wells Fargo card offers you included cellular phone protection against covered damage and theft as long as you pay your mobile bill with your card (terms and a deductible apply).
  • The Go Far® Rewards program is unique, allowing cardholders to share and redeem rewards in a wide variety of ways.

CONS:

  • As innovative as the Go Far® Rewards program is, it's also a bit complex. If you're looking for a simple and straightforward rewards program, there are likely better options for you.
  • Should you choose to take advantage of the intro 0% APR on balance transfers offer, be aware that there is a balance fee of 3% for 120 days, then 5%

Read our full Wells Fargo Propel American Express® card review.

Capital One® Quicksilver® Cash Rewards Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

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.

Credit Needed: Excellent, Good

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

PROS:

  • New cardholders can easily pocket $150 cash by spending just $500 on purchases within the first three months of opening an account.
  • If you’re a relatively light credit card user this is a great card as you won’t have to worry about rotating categories, and the 1.5% cash back you’ll earn on every purchase will really add up fast.
  • This card makes a great traveling companion as it doesn’t charge a fee on foreign transactions. This is somewhat rare for no-annual-fee cash-back credit cards.

CONS:

  • This card is best for people who value simple rewards earning over maximum rewards earning. If you're willing to keep up with some categories or spending caps, you can earn much more with a card that offers bonus rewards for certain purchases.
  • There is a 3% balance transfer fee on balances transferred within the first 15 months, but this is common for balance transfer credit cards. Plus, thanks to the $150 bonus, you can easily help to cover or offset any balance transfer fees you might have to pay.

Read our full Capital One® Quicksilver® Cash Rewards Credit Card review.

CREDIT CARDS WITH THE LONGEST INTRO 0% OFFERS

5
About Our Ratings

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.

The Bonus: This is a 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 0% introductory APR for 18 months from the date of first transfer on balance transfers (all transfers must be made within the first four months), and for 18 months from the date of account opening on new purchases. There is a balance transfer fee of 3% of the amount of each transfer (or $5, whichever is greater). This intro period gives you a year and a half to spread out your payments without paying interest (then, 14.74% - 24.74% Variable). 

The Annual Fee: $0

The Rewards: There are no traditional rewards offered with this card.

Credit Needed: Excellent

PROS:

  • If you have a large purchase that will take a while to pay off, this is a clear winner for the task.
  • This is an excellent card for those who are looking to consolidate high interest credit card debt, with no annual fee.
  • The length of the intro 0% APR period this card offers is fantastic. This intro period gives you a year and a half to spread out your payments without paying interest. After the intro period, 14.74% - 24.74% Variable APR applies.

CONS:

  • There is no traditional rewards program offered with this card.
  • This card charges a 3% fee on foreign transactions so it’s probably not the best choice for frequent international travelers.
  • It’s all about priorities when determining if this card is right for you. If you’re looking for a low interest card for balance transfers and purchases, this is a great choice. If you’re looking for high-ongoing perks like cash back or airline miles, this isn’t the card for you as it doesn’t earn points on purchases.

Read our full review of the Citi® Diamond Preferred® Card.

Wells Fargo Platinum card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: We like a card that offers a solid intro 0% offer as well as some extra perks and features, and this card does just that.

The Bonus: This card doesn't have a traditional bonus, but we'd encourage you to think about the lengthy intro 0% period as the "bonus."

0% Interest Details: You can take advantage of an introductory 18 months no interest on purchases and eligible balance transfers (then, 15.49%-24.99% Variable).

The Annual Fee: $0

The Rewards: Again, there are no rewards in the traditional sense, but saving a ton on interest while you pay down a balance could be considered quite the reward.

Credit Needed: Excellent, Good

PROS:

  • With an introductory year-and-a-half to pay off your purchases and eligible balance transfers interest-free, this card is a great option for a new big purchase or an existing balance on another card.
  • It doesn't charge an annual fee, so you can keep this card in your wallet for emergencies without worrying about trying to offset a fee to carry it.
  • Pay your mobile bill with your card and you'll be eligible for cellular phone protection against covered damage and theft (subject to terms and deductibles).

CONS:

  • This isn't a card for rewards – it's a card for paying off debt without racking up interest.
  • Don't count on this card if you plan to travel overseas as you'll be on the hook for foreign transaction fees.
  • Speaking of fees, there are balance transfers fees (3% for 120 days, then 5%) to consider should you decide to take advantage of that intro 0% offer for transfers.

Read our full Wells Fargo Platinum card review.

BankAmericard® credit card

(This card is not currently available on CardRatings)
5
About Our Ratings

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 0% intro APR 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

PROS:

  • Having 18 billing cycles of 0% intro APR is impressive, and this time frame is for both new purchases AND balance transfers. After that, See Terms and balance transfers.
  • Access your FICO® score for free within the Bank of America online banking app or your mobile banking app.
  • No penalty APR. Paying late won't automatically raise your interest rate. Other account pricing and terms apply.

CONS:

  • This is a no-frills card that does not offer rewards for cardholders.
  • There is a balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater.. This is not unusual for balance transfer credit cards, however.

See our full BankAmericard® credit card review.

BEST INTRO 0% CARDS FOR BUSINESS

Ink Business Cash℠ Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

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

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.

PROS:

  • This card is routinely among our top picks for small business credit cards without an annual fee thanks in large part to its rewards of as much as 5% cash back in popular small business spending categories.
  • “Office supplies” doesn’t just mean ink refills and staplers. Big ticket items like computers, software, and office furniture all earn 5% as well, offering you the chance to profit big.
  • New cardholders can jump start their rewards earning with $500 bonus cash back after spending $3,000 in the first three months of card membership.

CONS:

  • Be mindful of the cap on bonus cash back. If you know you'll spend more than $25,000 in the 2% and 5% categories, you might be better off with a card with a higher limit, or no limit, instead.
  • This isn’t the best card for frequent international travelers as it charges a fee on all foreign transactions.

Read our full Ink Business Cash℠ Credit Card review.

American Express Blue Business Cash™ Card

(This card is not currently available on CardRatings)
5
About Our Ratings

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 purchases 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.

Credit Needed: Good, Excellent

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

PROS:

  • There is an annual spending cap on the amount of bonus rewards you can earn, yes, but it’s quite high for a card with no annual fee.
  • Your business needs likely change all the time. From office supplies to airfare, this card rewards you for it all.
  • This card offers Expanded Buying Power, which allows you to spend beyond your credit limit. Just remember, the amount you can spend above you credit limit is not unlimited. It adjusts with your use of the card, your payment history, and credit record.

CONS:

  • Though the annual spend cap on bonus rewards is quite high, it could be prohibitive. If you know that your business spends more than $50,000 each year, you might want to consider another card.
  • This isn’t the best card for frequent international travelers as it charges a 2.7% fee on all foreign transactions.
  • This card does not offer a traditional welcome bonus.

Read our full American Express Blue Business Cash™ Card review

U.S. Bank Business Platinum

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: Between its generous intro 0% APR offer 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

PROS:

  • At 20 billing cycles, the 0% intro APR period on purchases and balance transfers is one of the longest available for a business card. After the intro period, 9.99%-17.99%* Variable will apply.
  • Enjoy no annual fees, free employee cards, and zero fraud liability.

CONS:

  • Since this is not a rewards card, purchases do not earn rewards on purchases.
  • There is no traditional welcome bonus offered with this card.

Read our full U.S. Bank Business Platinum review.


CARDHOLDERS RATE THEIR CARDS

Capital One® Quicksilver® Cash Rewards Credit Card

 
Capital One® Quicksilver® Cash Rewards Credit Card
OVERALL SCORE
85.0
VALUE OF REWARDS AND/OR FEATURES
8.4
CUSTOMER SERVICE
8.5
WEBSITE/MOBILE APP USABILITY
8.6
LIKELIHOOD OF CONTINUING TO USE
9.1
WILLING TO RECOMMEND TO A FRIEND
8.4

Chase Freedom Unlimited®

 
Chase Freedom Unlimited®
OVERALL SCORE
86.2
VALUE OF REWARDS AND/OR FEATURES
8.6
CUSTOMER SERVICE
8.6
WEBSITE/MOBILE APP USABILITY
8.7
LIKELIHOOD OF CONTINUING TO USE
9.0
WILLING TO RECOMMEND TO A FRIEND
8.4
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Capital One® SavorOne® Cash Rewards Credit Card

 
Capital One® SavorOne® Cash Rewards Credit Card
OVERALL SCORE
87.6
VALUE OF REWARDS AND/OR FEATURES
8.6
CUSTOMER SERVICE
8.9
WEBSITE/MOBILE APP USABILITY
9.0
LIKELIHOOD OF CONTINUING TO USE
9.0
WILLING TO RECOMMEND TO A FRIEND
8.7

Wells Fargo Cash Wise Visa® card

 
Wells Fargo Cash Wise Visa® card
OVERALL SCORE
81.0
VALUE OF REWARDS AND/OR FEATURES
8.0
CUSTOMER SERVICE
8.2
WEBSITE/MOBILE APP USABILITY
8.3
LIKELIHOOD OF CONTINUING TO USE
8.6
WILLING TO RECOMMEND TO A FRIEND
7.9
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Bank of America® Cash Rewards credit card

 
Bank of America® Cash Rewards credit card
OVERALL SCORE
84.1
VALUE OF REWARDS AND/OR FEATURES
8.5
CUSTOMER SERVICE
8.4
WEBSITE/MOBILE APP USABILITY
8.4
LIKELIHOOD OF CONTINUING TO USE
8.8
WILLING TO RECOMMEND TO A FRIEND
8.2

Discover it® Balance Transfer

 
Discover it® Balance Transfer
OVERALL SCORE
85.2
VALUE OF REWARDS AND/OR FEATURES
8.5
CUSTOMER SERVICE
8.7
WEBSITE/MOBILE APP USABILITY
8.6
LIKELIHOOD OF CONTINUING TO USE
8.8
WILLING TO RECOMMEND TO A FRIEND
8.3
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Citi Simplicity® Card - No Late Fees Ever

 
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
OVERALL SCORE
85.1
VALUE OF REWARDS AND/OR FEATURES
8.4
CUSTOMER SERVICE
8.6
WEBSITE/MOBILE APP USABILITY
8.6
LIKELIHOOD OF CONTINUING TO USE
8.9
WILLING TO RECOMMEND TO A FRIEND
8.4

BankAmericard® credit card

 
BankAmericard® credit card
OVERALL SCORE
77.4
VALUE OF REWARDS AND/OR FEATURES
7.5
CUSTOMER SERVICE
7.9
WEBSITE/MOBILE APP USABILITY
8.1
LIKELIHOOD OF CONTINUING TO USE
8.5
WILLING TO RECOMMEND TO A FRIEND
7.6
Learn More

Ink Business Cash℠ Credit Card

 
Ink Business Cash℠ Credit Card
OVERALL SCORE
83.2
VALUE OF REWARDS AND/OR FEATURES
8.1
CUSTOMER SERVICE
8.5
WEBSITE/MOBILE APP USABILITY
8.5
LIKELIHOOD OF CONTINUING TO USE
8.7
WILLING TO RECOMMEND TO A FRIEND
8.3

American Express Blue Business Cash™ Card

 
American Express Blue Business Cash™ Card
OVERALL SCORE
86.6
VALUE OF REWARDS AND/OR FEATURES
8.6
CUSTOMER SERVICE
8.8
WEBSITE/MOBILE APP USABILITY
8.5
LIKELIHOOD OF CONTINUING TO USE
9.0
WILLING TO RECOMMEND TO A FRIEND
8.7

WHAT DOES 0% INTRO 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% INTRO 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 INTRODUCTORY 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. The Simplicity® card offers 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 from date of account opening, while the Diamond card offers a slightly shorter, though still impressive, 18 month intro 0% APR offer on balance transfers (from the date of first transfer - balance transfers must be completed within four months of account opening) and for 18 months from account opening on new purchases. After the introductory periods, regular APR will apply (14.74% - 24.74% Variable for Diamond Preferred® and 14.74% - 24.74% (Variable) for Citi Simplicity®).

The BankAmericard® credit card is another solid choice. 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.

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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