Top interest-free credit cards: Enjoy 0% APR for up to 18 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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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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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 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 months on purchases and/or balance transfers
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 is a user-friendly option for those seeking straightforward rewards. This no-annual-fee card offers a simple way to earn cash back on everyday purchases, plus, after your first year as a cardholder, Discover will double your cash back earnings. This welcome bonus – not to mention the generous intro APR offer – makes this a lucrative option for anyone looking to earn easy rewards while also saving on interest charges. Plus, it’s a great card to travel abroad with as it doesn’t charge foreign transaction fees, a rarity among no-annual-fee credit cards.

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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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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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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
Purchases: 0% Intro APR for 6 months, Balance Transfers: 0% Intro APR for 18 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 has evolved into a market leader for cash-back rewards, offering a compelling combination of simplicity and value. Cardholders can take advantage of bonus cash back on eligible purchases at gas stations and restaurants, up to the quarterly limit. This feature, coupled with a valuable intro APR offer, makes this card a smart choice for managing both everyday expenses and larger purchases. Plus, the generous welcome bonus offered by this card has the potential to provide a significant boost to your rewards balance, making it an even more attractive option for savvy consumers.
author
Jennifer Doss
CardRatings Executive Editor

Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest...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.