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Best 0% APR credit cards from our partners for 2019

Updated, November 30, 2018

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Best 0% APR credit cards of 2019Finding the best 0 percent 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, check out 0 percent APR interest credit card offers. 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 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 are too good to pass up. Think of them as interest-free (for a time!) loans.

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

BEST 0% APR CREDIT CARDS WITH REWARDS

Blue Cash Everyday® Card from American Express

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

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

0 Percent Interest Details: The Blue Cash Everyday® Card from American Express features a 0 percent introductory APR of 15 months on purchases and balance transfers (then, 14.99% - 25.99% Variable).

The Annual Fee: $0. Terms apply. See Rates and Fees

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

Credit Needed: Good, Excellent


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 a $150 bonus with Chase Freedom Unlimited®.

The Bonus: Earn a $150 cash-back bonus for spending just $500 within the first three months of account opening.

0 Percent Interest Details: Chase Freedom Unlimited® features a 0 percent introductory APR for 15 months on purchases and balance transfers (then, 16.99% - 25.74% Variable). There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

The Annual Fee: $0

The Rewards: There is cash-back earning potential here. You earn 1.5 percent cash back on all your purchases, which is perfect 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 0 percent APR on purchases and balance transfers for 12 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 percent 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 $200 cash rewards bonus after you spend $1,000 on your card in the first three months. Also, you'll earn 1.8 percent cash back on your mobile wallet purchases for the first 12 months from account opening.

0 Percent Interest Details: With this card you can take advantage of 12 months no interest on purchases and balance transfers made within the first 120 days (then, 15.99%-26.99% Variable); balance transfers made within 120 days qualify for the intro rate and fee.

The Annual Fee: $0.

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

Credit Needed: Excellent, Good


BankAmericard® credit card

Why We Like It: For 15 glorious billing cycles you'll receive 0% Introductory APR on purchases, as well as balance transfers made within 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 $38) 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 $38) for late payments.

0 Percent Interest Details: Enjoy 0% Introductory APR on purchases for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After that, 14.99% - 24.99% Variable APR on purchases. After the first 60 days, the fee for balance transfers is 3 percent, or $10, whichever is greater.

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 15 month no APR period, as a reward.

Credit Needed: Excellent, Good


BEST 0% 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 percent intro period on both purchases and balance transfers AND gives you the opportunity to earn rewards.

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

0 Percent Interest Details: The Capital One® Quicksilver® Cash Rewards Credit Card offers you 15 months of no interest on purchases and balance transfers (then, 14.74% - 24.74% (Variable)).

The Annual Fee: $0

Rewards: This is a simple card to use and earn rewards. Rack up 1.5 percent 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% 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 percent 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 Percent Interest Details: The Citi Simplicity® Card - No Late Fees Ever features a 0 percent 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, 15.99% - 25.99%* 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 percent 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


Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer

(This card is not currently available on CardRatings)

Why We Like It: The Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer is a favorite because it combines an exceptionally long 0 percent interest period with credit health through FICO Score monitoring. The card also does your work for you by watching online for lower prices on purchases thanks to the Citi® Price Rewind program.

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 Percent Interest Details: The Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer features a 0 percent 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 percent 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, review of the 14.99% - 24.99%* Variable.). Enjoy 12 months of no interest on purchases.

The Annual Fee: $0*

The Rewards: There aren't rewards offered with this card, but that doesn't mean it can't help you put a little money back in your pocket. The Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer is part of the Citi® Price Rewind program, which searches for lower prices online for 60 days for your registered purchases: You can get back up to $200 per item and $1,000 a year. Read our full review of the Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer.

Credit Needed: Excellent, Good


BEST 0% APR CARDS WITH LOWEST ONGOING APR

HSBC Gold Mastercard® credit card

Why We Like It: The HSBC Gold Mastercard® credit card offers a late fee waiver, no penalty APR rates and no foreign transaction fees. Couple these with the 18-month 0 percent interest period on purchases and balance transfers (then, Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period) and you can really see savings on those projects or purchases.

The Bonus: There aren't rewards offered with this card, but you can enjoy the knowledge that you're saving on interest charges.

0 Percent Interest Details: The HSBC Gold Mastercard® credit card features a 0 percent introductory APR of 18 months on purchases and balance transfers (each balance transfer is subject to a 4 percent, minimum $10, fee). After the intro period, the interest rate becomes Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period.

The Annual Fee: None.  See Rates and Fees

The Rewards: Again, there are not traditional rewards, but you will enjoy knowing you're saving on interest charges. Read our full full review of the HSBC Gold Mastercard® credit card.

Credit Needed: Good, Excellent


BEST 0% APR CREDIT CARD WITH ADDED PERKS

Wells Fargo Platinum Visa® Card

Why We Like It: This card keeps its customers at its core with offerings of cell phone insurance and a budgeting/money managing tools. It knows loyalty is built on happy customers. Plus, you get easy access to your FICO® Credit Score with Wells Fargo Online® and there's that lengthy 0 percent period to consider.

The Bonus: This isn't a rewards card, but it does feature some customer-friendly features that could help you keep some money in your pocket.

0 Percent Interest Details: The Wells Fargo Platinum Visa® Card features a 0 percent introductory APR of 18 months on purchases and balance transfers (then, 13.49%-26.99% Variable).

The Annual Fee: $0

The Rewards: There aren't rewards per se, but this card can help you hold on to some of your hard-earned cash. That zero-interest period is part of that, sure, but cardholders also get cell phone protection (subject to $25 deductible) against covered damage or theft when they pay their monthly cellular telephone bill with your card. Besides saving you money if you ever need a quick phone replacement, it also saves you the monthly premium. Read our full review of the Wells Fargo Platinum Visa® Card.

Credit Needed: Excellent, Good

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