Best 0% APR Credit Cards

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Best 0% APR Credit Cards – Save on Interest in 2025

A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? Put it on one of these credit cards and then pay it off without finance charges. Many of the best zero-percent credit cards not only come with a long 0% APR period, but also earn rewards and offer bonuses that can translate into big discounts on big purchases.

Whether you need to finance a major purchase, spread out holiday bills, or transfer a balance from a high-interest card, a 0% APR card can be a smart financial tool — if used responsibly. Below are some of the best 0% APR credit cards in 2025 for American consumers, carefully selected based on the length of their intro APR period, ongoing costs (annual fee), regular APRs, and any rewards or perks they offer.

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📋 What We Considered: Why These Cards Made the List

We selected cards that meet these criteria:

• 0% intro APR on purchases and/or balance transfers for a substantial period (12 months or more).
• Reasonable regular APR after the intro period ends.
• Low or no annual fee, to avoid offsetting the interest savings.
• Preferably, some ongoing rewards or benefits, though intro-APR benefit is the main focus.
• Good overall value for typical U.S. cardholders — whether for a one-time large expense or ongoing everyday spending.

With those standards, here are top 8 cards (from your list) that stand out in 2025 as strong 0% APR options.

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✅ Top 0% APR Credit Cards to Consider

1. Chase Freedom Unlimited®

• Rating (subjective): ★★★★★ (5/5)
• Annual Fee: $0 (Chase Credit Cards)
• Intro APR: 0% for 15 months on purchases and balance transfers 
• Regular APR (after intro): Variable, approximately 18.99%–28.49% 

Why It Makes the Cut:

Chase Freedom Unlimited® offers a solid 15-month 0% APR window, enough for many to pay off a large purchase or transfer a balance without interest. With no annual fee and decent ongoing cash-back rewards (though rewards aren’t the main reason to pick it for 0% APR), it’s a reliable all-around card for those needing interest-free flexibility and occasional rewards.

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2. Chase Freedom Flex®

• Rating: ★★★★☆ (4.8/5)
• Annual Fee: $0 
• Intro APR: 0% for 15 months on purchases and balance transfers 
• Regular APR (after intro): Variable, ~18.49%–27.99% 

Why It Makes the Cut:

Much like Freedom Unlimited®, Freedom Flex® offers a 15-month 0% period, but with the added benefit of generous cash-back structure if you care about rewards too. For someone who wants to finance a purchase interest-free and earn some bonus cash back on category spending, this card offers a nice balance.

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3. Discover it® Cash Back

• Rating: ★★★★☆ (4.7/5)
• Annual Fee: $0
• Intro APR: Historically, Discover offers 0% introductory APR promotions, though offers vary; it’s often included in “best 0% APR” lists. 
• Regular APR (after intro): Variable (typical range for similar Discover cards)

Why It Makes the Cut:

Discover it® Cash Back combines a possible intro 0% APR with a flexible cash-back program — rotating quarterly bonus categories and unlimited 1% elsewhere. For those who plan carefully (activate categories, time big purchases), this dual benefit (intro APR + rewards) can be attractive.

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4. Wells Fargo Reflect® Card

• Rating: ★★★★☆ (4.6/5)
• Annual Fee: $0
• Intro APR: Among the longest in the industry — many versions offer up to 21 months 0% intro APR on purchases and balance transfers (subject to qualifying balance transfers). This long window gives you ample time to pay off large expenses interest-free.
• Regular APR (after intro): Variable — usually in a moderate-to-high range typical of consumer cards.

Why It Makes the Cut:

If you anticipate needing significantly more than a year to pay off a purchase or balance — for example, financing a home renovation, expensive electronics, or consolidating debt — the Reflect® card stands out. Its long 0% window reduces pressure to pay everything off quickly and offers breathing room.

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5. Blue Cash Everyday® Card from American Express

• Rating: ★★★★☆ (4.5/5)
• Annual Fee: $0 
• Intro APR: 0% on purchases and balance transfers for 15 months (when offer is active) 
• Regular APR (after intro): Variable, typically 19.74%–28.74% 

Why It Makes the Cut:

This is a no-fee Amex card that gives you a decent interest-free window plus everyday cash-back rewards — especially on groceries, gas, and online retail (when enrolled). It’s a good option if you want to finance a purchase interest-free and get modest rewards on regular spending without worrying about annual fees.

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6. Bank of America® Unlimited Cash Rewards Visa® Credit Card

• Rating: ★★★★☆ (4.6/5)
• Annual Fee: $0 
• Intro APR: 0% on purchases and balance transfers for 15 billing cycles (for transfers completed within first 60 days) 
• Regular APR (after intro): Variable, roughly 17.74%–27.74% 

Why It Makes the Cut:

This card is appealing for its mix of interest-free financing and cash-back incentives. It also works well if you're part of the Bank of America Preferred Rewards program (which can boost your cash-back percentage). The unlimited 1.5–2% cash back (with potential bonus) adds value long after the intro APR ends.

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7. U.S. Bank Shield™ Visa® Card

• Rating: ★★★★☆ (4.5/5)
• Annual Fee: $0 
• Intro APR: 0% on purchases and balance transfers for 24 billing cycles (i.e. two years) — one of the longest 0% offers currently available. 
• Regular APR (after intro): Variable, approximately 17.74%–28.74% (based on creditworthiness) 

Why It Makes the Cut:

For borrowers who want maximum breathing room to pay off a large purchase or existing debt, the U.S. Bank Shield™ Visa® stands out. A full 24-month interest-free period — plus some additional travel-related perks if you use its portal — makes it one of the most compelling 0% APR cards available.

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8. Bank of America® Customized Cash Rewards Visa® Credit Card

• Rating: ★★★★☆ (4.5/5)
• Annual Fee: $0
• Intro APR: While primarily known for its rewards structure, this card is often offered with a 0% intro APR on purchases and balance transfers under promotional offers (varies by campaign) — making it eligible for this list when such promotions are active.
• Regular APR (after intro): Variable, generally in an average range (specific terms based on creditworthiness).

Why We Included It (with conditions):

Though its main selling point is flexibility — letting you choose a 3% cash-back category each quarter — its periodic 0% intro promotions can make it a dual-purpose tool: finance a large purchase interest-free and earn bonus cash back afterward. Good for flexible spenders who like to customize rewards.

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💡 How to Choose the Right 0% APR Credit Card for You

Here are a few decision-guiding questions to help you pick:

• How long do you need interest-free time?

  • Short to medium-term financing (12–15 months): Cards like Chase Freedom Unlimited®, Freedom Flex®, Blue Cash Everyday®, Bank of America Unlimited Cash Rewards.

  • Long-term financing (18–24 months): Cards like Wells Fargo Reflect® or U.S. Bank Shield™ Visa®.

• Do you want rewards on regular spending too?

  • Yes, plus 0% APR: Consider cards like Chase Freedom, Bank of America cards, or Blue Cash Everyday®.

  • No, just interest-free financing: Wells Fargo Reflect® or U.S. Bank Shield™ provide long 0% windows without complicating categories.

• Is there an annual fee or cost to consider?

  • All cards in this list have $0 annual fee, making them ideal for interest-free financing without extra cost.

• Do you plan to transfer balances or repay a big purchase over time?

• Balance transfers: Cards with generous 0% balance-transfer terms (if offered) are preferable.

• Large purchase financing: Cards with 0% purchase APR windows let you spread payments without interest.

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⚠️ Important Considerations Before You Apply / Use a 0% APR Card

• 0% APR is a temporary benefit: once the intro period ends, regular APR applies — so plan to pay off before that.
• Many cards impose balance transfer fees (often 3%–5%), which can offset savings if you transfer large balances.
• Missed payments or carrying a balance beyond the grace period may cause interest charges and possibly forfeit the 0% deal.
• Do not treat 0% APR as “free money” — only charge what you can realistically pay off within the intro window.
• Opening multiple cards may impact your credit score via hard inquiries; always consider how new accounts fit your broader credit profile and credit-utilization strategy.

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❓ Top 10 FAQs About 0% APR Credit Cards

1. What does “0% intro APR” actually mean?

“0% intro APR” means that for a defined promotional period (e.g., 15 or 24 months), the card issuer applies a 0% interest rate on purchases and/or balance transfers. During this time, you pay no interest — only principal. Once the period ends, any remaining balance accrues interest at the standard (regular) rate.

2. Can I use 0% APR for both a big purchase and balance transfers?

Yes — many 0% APR cards allow both. For instance, you can put a large purchase on the card and also transfer a high-interest balance. Be mindful of fees (especially for balance transfers) and the overall limit; ensure total balance stays within your credit limit.

3. Are there fees for balance transfers when using 0% APR cards?

Often yes. Many cards charge a fee (commonly 3%–5% of the transferred amount) when you move balances from other cards. That fee is charged upfront and is separate from APR. So while you won’t pay interest during the intro period, you should factor in the fee when calculating savings.

4. Do all 0% APR cards have no annual fee?

Not necessarily, but many good 0% APR cards do offer $0 annual fee — especially those aimed at balance transfers or everyday purchases. In our list, all eight featured cards have no annual fee, which makes them even more attractive for financing or temporary use.

5. What happens if I don’t pay off the balance before just before the intro period ends?

Any remaining balance after the 0% window will be subject to the regular APR (which can be quite high). This can dramatically increase the amount you owe if you're not careful. It’s wise to make a repayment plan immediately after adding charges during the 0% period.

6. Will using a 0% APR card hurt my credit score?

Not necessarily — but opening a new account triggers a hard inquiry, which can cause a small, temporary dip. However, responsible usage (timely payments, low utilization) can help maintain or even improve your credit over time.

7. Can I have more than one 0% APR card at a time?

Yes — but each application may impact your credit, and tracking multiple intro periods can get complex. Also, balance transfers are often limited to a certain time window after opening the card. It’s doable, but only if managed carefully.

8. Does 0% APR apply to cash advances?

Almost never. Most 0% intro offers apply only to purchases and balance transfers. Cash advances typically have a different APR and usually start accruing interest immediately. So cash advances defeat the purpose of 0% APR.

9. Is a rewards-earning card with 0% APR better than a plain 0% card?

It depends on your priorities. If your main goal is to finance a purchase or debt interest-free, a plain 0% card is fine. But if you also spend regularly (groceries, gas, etc.), a rewards card adds extra value — you get both interest savings and cash back.

10. How do I maximize a 0% APR period?

• Plan ahead: know exactly how much you need to pay back each month to clear the balance before the 0% period ends.
• Avoid new large purchases once balance is high to prevent interest accrual after the intro period.
• Pay more than the minimum — ideally the same amount each month.
• Avoid cash advances — they bypass the 0% benefit.

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🧠 Final Thoughts: Use 0% APR Cards Smartly — They Can Save Big

Zero-percent APR cards are among the most powerful tools in personal finance — when used wisely. Whether you’re facing a major purchase, consolidating high-interest debt, or spreading costs over time, a good 0% APR card can save you hundreds (or even thousands) in interest charges.

From the balanced flexibility of Chase Freedom Unlimited® and Freedom Flex®, to the long 24-month window from U.S. Bank Shield™ Visa®, or the everyday-spending friendly Bank of America® Unlimited Cash Rewards — there’s a 0% APR card for nearly every need.

The trick: treat 0% APR as a tool, not a license to overspend. Budget carefully, make a repayment plan, and stay disciplined. Do that — and these cards can truly help you manage cash flow, save money, and avoid expensive interest charges.

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Best 0% APR Credit Cards – Comparison Table

Credit Card	Rating	Annual Fee	Intro APR Offer	Regular APR	Key Highlights
Chase Freedom Unlimited®	4.8/5	$0	0% APR for 15 months on purchases & balance transfers	20.49%–29.24% variable	High everyday rewards + long 0% APR + top-tier issuer perks
Chase Freedom Flex®	4.7/5	$0	0% APR for 15 months on purchases & balance transfers	20.49%–29.24% variable	5% rotating categories + strong overall value
Discover it® Cash Back	4.7/5	$0	0% APR for 15 months on purchases & balance transfers (3% fee intro)	18.24%–28.24% variable	Cashback Match + 5% categories + strong intro APR
Wells Fargo Reflect® Card	4.9/5	$0	0% APR up to 21 months (longest)—on purchases & balance transfers	18.24%–29.99% variable	One of the longest 0% APR periods in the U.S.
Blue Cash Everyday® Card from American Express	4.6/5	$0	0% APR for 15 months on purchases	19.24%–29.99% variable	3% on groceries + gas + online purchases
Bank of America® Unlimited Cash Rewards Visa® Card	4.5/5	$0	0% APR for 15 billing cycles (purchases & balance transfers)	18.24%–28.24% variable	Unlimited 1.5% cash back + Preferred Rewards boosts
U.S. Bank Shield™ Visa® Card	4.6/5	$0	0% APR for 18 billing cycles (purchases & balance transfers)	19.24%–29.24% variable	Long intro + cell phone protection
Bank of America® Customized Cash Rewards Visa® Card	4.6/5	$0	0% APR for 15 billing cycles (purchases & balance transfers)	18.24%–28.24% variable	3% category of your choice (gas, dining, online, etc.)