Best 0% Intro APR Cards of July 2025
If you are looking to save money with a generous 0% intro APR period on purchases, balance transfers, or both, then the following cards from our partners would all be great options.
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0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
This card from Wells Fargo is a standout option for consumers looking to pay less interest on upcoming purchases or wanting to transfer a balance from existing cards with high interest rates. It offers one of the longest intro APR periods available on both purchases and qualifying balance transfers and charges no annual fee.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
This card from Wells Fargo is a standout option for consumers looking to pay less interest on upcoming purchases or wanting to transfer a balance from existing cards with high interest rates. It offers one of the longest intro APR periods available on both purchases and qualifying balance transfers and charges no annual fee.
0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
This no-annual-fee card is an excellent gateway for those new to travel rewards. It offers a solid earning rate on all purchases, boosted for travel booked through Capital One Travel, and your miles never expire. With flexible redemption options for travel and no foreign transaction fees, it provides a simple yet effective way to start accumulating valuable travel rewards without any ongoing annual costs.
1.25 Miles per dollar
1.25 Miles per dollar
0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
This no-annual-fee card is an excellent gateway for those new to travel rewards. It offers a solid earning rate on all purchases, boosted for travel booked through Capital One Travel, and your miles never expire. With flexible redemption options for travel and no foreign transaction fees, it provides a simple yet effective way to start accumulating valuable travel rewards without any ongoing annual costs.
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0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
This no-annual-fee card is perfect for regular travelers looking for great value. It provides a strong rewards program, maximizing your spending, and allows you to earn miles on any travel purchase, no matter where you book. It’s a top pick for those who want to save money and enjoy travel flexibility.
1.5 points per dollar
1.5 points per dollar
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
This no-annual-fee card is perfect for regular travelers looking for great value. It provides a strong rewards program, maximizing your spending, and allows you to earn miles on any travel purchase, no matter where you book. It’s a top pick for those who want to save money and enjoy travel flexibility.
0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
This top-rated cash back card is tailored to families with elevated cash back rates at U.S. supermarkets & U.S. gas stations. It also offers a very generous welcome offer and a substantial list of additional perks and statement credit opportunities worth taking advantage of. There is a $0 intro annual fee for the first year, then $95.
3% Cash Back
3% Cash Back
0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
This top-rated cash back card is tailored to families with elevated cash back rates at U.S. supermarkets & U.S. gas stations. It also offers a very generous welcome offer and a substantial list of additional perks and statement credit opportunities worth taking advantage of. There is a $0 intro annual fee for the first year, then $95.
Rating methodology: CardRatings’ experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often. Compensation may impact how and where products appear on this site including, for example, the order in which they appear.
To see the rates and fees for the American Express cards featured in this post, please visit the follow links: CardName (See Rates and Fees);
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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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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