The Best 0 APR Credit Cards 2024

Look high and low, and you won’t likely find a card with a better everyday rewards rate than the Wells Fargo Active Cash® card. Add unlimited 2% cash back to a solid 15-month 0% APR on purchases and balance transfers, and you can see why this is our pick for best overall in this category.

Pros

• Unlimited 2% rewards on every purchase
• 0% APR for 15 months
• Cell phone protection available

Cons

• No bonus rewards categories
• Balance transfer and foreign transaction fees
• Lack of travel transfer partners

• $200 cash bonus when you spend $500 in the first three months
• Balance transfers must be made within first 120 days to qualify for 0% APR
• Intro balance transfer fee of 3%, then 5% after, minimum of $5
• No annual fee
• Visa Signature Concierge gives you access to premium benefits at some of the world’s most prestigious hotels
• Up to $600 in cell phone protection when you pay your phone bill with the card ($25 deductible applies)

Few cards allow you to pump up your rewards earnings like the Chase Freedom Flex℠. If you keep up with rotating categories and book travel through Chase Ultimate Rewards, your cash-back return could rival some of the best premium cards on the market. Top it off with 0% APR on all purchases and qualifying balance transfers made in the first 15 months, and this was a close runner-up for our top choice.
Pros

• Earn 5% rewards on up to $1,500 in combined purchases in rotating quarterly categories
• 5% travel rewards rate on bookings through Chase Ultimate Rewards rivals premium travel cards
• Balance transfers apply for 0% APR for the entire 15 months

Cons

• Must use Chase Ultimate Rewards to earn maximum travel rewards rate
• Balance transfer fee applies
• Must track and activate bonus categories

• $200 cash bonus when you spend $500 in the first three months
• 5% cash-back categories require activation
• 3% back on dining and drugstores, 1% on all other purchases
• No annual fee

If 0% APR is your primary aim, the U.S. Bank Visa® Platinum Card is worth a closer look. You won’t earn any rewards with this card, but its long 18-month intro APR period makes it ideal for large purchases or balance transfers.

Pros

• 0% APR on purchases and balance transfers for 18 full billing cycles
• No penalty APR
• Cell phone protection

Cons

• No rewards program or welcome bonus
• Balance transfer fee
• Foreign transaction fees

• Balance transfer fee applies, even during the intro period
• Up to $600 in cell phone insurance when you pay your phone bill with the card ($25 deductible applies)
• No annual fee
• Choose your own monthly payment date

Overall, the Discover it® Chrome doesn’t compete with other cards in terms of rewards. However, its first-year cash-back match for any rewards you earn in the first 12 months makes it a great option for a 0% APR card. Maximize your interest-free spending in the first year, and maximize your rewards.

Pros

• Double your rewards earnings with the first-year cash-back match
• 2% back at gas stations and restaurants on up to $1,000 in combined purchases per quarter
• 0% APR on purchases for 15 months

Cons

• High balance transfer fee makes intro APR less enticing for transfers
• High fees for cash advances
• Low 1% rewards rate on most purchases

• Discover will match your rewards earnings dollar for dollar — with no limit — on your first account anniversary
• 2% back at gas stations and restaurants, 1% on all other purchases
• No bonus categories to track
• No annual fee

The Amex EveryDay® credit card offers a similar intro APR to other cards on this list. However, its 2X rewards rate on grocery spending makes it a great card for boosting your rewards potential with everyday spending.

Pros

• Maximize rewards on grocery spending
• Potential to earn 20% bonus on your points
• 0% APR for 15 months on purchases and balance transfers

Cons

• High foreign transaction fees
• Must make 20 purchases per month to earn 20% bonus
• Low welcome bonus value for spending required

• 10,000 bonus Membership Rewards points when you spend $2,000 in the first six months
• Boost your point value by 20% when you make at least 20 purchases per month
• 2X rewards at U.S. supermarkets on up to $6,000 per year, then 1X points
• 2X rewards when you book travel through American Express Travel
• 1X rewards on all other purchases
• Carry a balance with interest or pay it in full each month
• No annual fee

This may not be one of the highest-earning travel cards on the market, but it offers great value when you consider its 0% intro APR. Earn 5X points on hotel and rental car bookings you make through Capital One Travel and pay no interest on those purchases for the first 15 months.

Pros

• 5X miles on hotels and rental cars booked through Capital One Travel
• No penalty APR
• 0% APR on purchases and balance transfers for 15 months

Cons

• No bonus travel reward for flights
• Balance transfer fee applies even during intro period
• Low rewards rate on most purchases

• 20,000 bonus miles when you spend $500 in the first three months (equal to $200 in travel)
• Unlimited 1.25X miles on all purchases not mentioned above
• Transfer miles to more than 15 travel loyalty programs
• 3% balance transfer fee during intro period
• No annual fee

Overall, the Discover it® Chrome doesn’t compete with other cards in terms of rewards. However, its first-year cash-back match for any rewards you earn in the first 12 months makes it a great option for a 0% APR card. Maximize your interest-free spending in the first year, and maximize your rewards.

Pros

• Double your rewards earnings with the first-year cash-back match
• 2% back at gas stations and restaurants on up to $1,000 in combined purchases per quarter
• 0% APR on purchases for 15 months

Cons

• High balance transfer fee makes intro APR less enticing for transfers
• High fees for cash advances
• Low 1% rewards rate on most purchases

• Discover will match your rewards earnings dollar for dollar — with no limit — on your first account anniversary
• 2% back at gas stations and restaurants, 1% on all other purchases
• No bonus categories to track
• No annual fee

If debt consolidation is your primary goal, look no further than the Citi Simplicity® card. You’ll get an extraordinary 21 months with no interest on any balance transfers you make within the first four months. Keep in mind that a balance transfer fee applies, and there’s no rewards program.

Pros

• Generous 21-month 0% APR for balance transfers
• No late fees or penalty APR
• Simple card for everyday spending

Cons

• No rewards program
• Shorter intro APR period for purchases
• Balance transfers will incur a fee, even during intro period

• 21-month 0% APR applies to balance transfers completed within the first four months
• 0% APR on all purchases made within the first 12 months
• No annual fee