Top Credit Cards in 2025: Pay 0% Interest for up to 21 Months

author Jennifer Doss Last Updated:
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

Looking for cards with a 0% introductory interest rate to fund a purchase, consolidate debt, or earn cash back? You’ve come to the right place. These are our favorite credit cards with 0% Intro APR offers:

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Credit Score: credit_score_needed ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Intro APR
0% intro APR for 21 months from account opening for purchases, and for 21 months from account opening on qualifying balance transfers
Regular APR
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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What makes this card particularly attractive is its exceptionally long introductory APR period. This extended timeframe allows cardholders ample opportunity to manage larger expenses or consolidate existing debt without the immediate burden of interest charges. If you value having significant time to pay down balances with a predictable, interest-free period, this card is worth considering.
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Intro APR
0% intro on purchases for 15 months, 0% intro on balance transfers for 15 months. Balance transfer fee applies.
Regular APR
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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This credit card offers a solid rewards program with flat-rate rewards earned on all purchases, making it a reliable choice for everyday spending. New cardholders can also take advantage of an easily attainable welcome bonus, providing an instant boost to their rewards balance. Whether you’re fueling up at the gas station, dining out with friends, or booking a flight for your next vacation, this card can help you earn rewards on your everyday purchases.
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Intro APR
0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days
Regular APR
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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If you’re looking for a straightforward rewards card without any annual fees, this no-frills card is an excellent choice for simple, rewarding travel. It allows you to earn rewards on eligible travel purchases, such as flights, hotels, and car rentals. Plus, it offers a unique perk: the ability to redeem rewards for dining purchases, making it a convenient solution for travelers seeking to offset food expenses while on the go. This card provides a hassle-free way to earn rewards and save on travel costs, making it a great option for budget-conscious travelers.
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Intro APR
0% on purchases and balance transfers for 15 months
Regular APR
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Annual Fee
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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This card shines as a top choice for those looking to manage new purchases without accumulating immediate interest. Its extended introductory period on new purchases provides a substantial window to pay down balances before any interest applies. Beyond this valuable breathing room, the card also offers appealing cash back rewards on everyday spending categories, making it a well-rounded option for budgeting and earning on common expenses, all with no annual fee. American Express is a CardRatings advertiser.
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How to get out of debt and build your credit

Is your credit score below 690? If so, you’re less likely to get approved for these cards — but visit this page for our top-rated cards to help you get out of debt and build your credit.

author
Jennifer Doss
CardRatings Executive Editor

Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. Drawing on 15 years in the media industry as a print and online journalist and editor, her work has covered diverse subjects from finance and technology to travel and dining. As a recognized finance expert, Jennifer frequently offers her insights on credit cards and personal finance to...Read more

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.

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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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.