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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Best 0% APR Credit Cards in May 2025

Citi is an advertising partner.

Key Takeaways

A 0% offer can help you make a large purchase on the fly and pay it off interest-free over a long period.
The longest 0% intro period is currently 21 months, which means you won’t pay interest until 2026 with some of our top choices.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

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Blue Cash Preferred^® Card from American Express*

Intro Purchase APR 0% on purchases for 12 months

Regular Purchase APR 19.49%-28.49% Variable

Annual Fee $0 intro annual fee for the first year, then $95.

Rewards Rate Earn 6% cash back at U.S. supermarkets on up to $6,000 per

Highlights

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Recommended Credit

Good / Excellent

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*The information related to the Blue Cash Preferred^® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

We found that the average cardholder can save more than $2,000 over a two-year period — including interest savings and rewards — with many cards below.

13 Best zero interest credit cards

Chase Freedom Flex^®: Winner (most potential savings)
Wells Fargo Reflect^® Card: Longest 0% intro for purchases, 21 months
Citi Simplicity^® Card: Long 0% intro for balance transfers, 21 months
BankAmericard^® credit card: Best 18-month 0% intro offer
U.S. Bank Visa^® Platinum Card: Runner-up, 18-billing-cycle 0% intro APR
Chase Slate Edge^℠: Runner-up, 18-month 0% intro APR
: Best for dining
Discover it^® Miles: Best for travel
Chase Freedom Unlimited^®: Best for large purchases
Bank of America^® Travel Rewards Credit Card for Students: Best for students
U.S. Bank Triple Cash Rewards Visa^® Business Card: Best for business
Blue Cash Preferred^® Card from American Express: Best for groceries and gas
ESL Visa® Credit Card: Best for low ongoing APR

Chase Freedom Flex^®

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Chase Freedom Flex^®

When it comes to overall value, the Chase Freedom Flex^® is tough to beat. The card’s long interest-free APR period, generous sign-up bonus and ongoing rewards program could net you thousands in interest savings and cash back.

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Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Winner (most potential savings)

Chase Freedom Flex^®*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

Intro purchase APR: 0% Intro APR on Purchases for 15 months, then a 18.24% – 27.74% Variable APR applies.

Long intro APR on purchases and balance transfers
Rotating cash back bonus categories
One of the most valuable cash back sign-up bonuses
$0 annual fee
Mastercard World Elite benefits

Penalty APR and late payment fees
Potentially high APR after introductory period
Bonus categories require activation

Estimated savings over two years: $2,286

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

You could save over $1,000 in interest with the Chase Freedom Flex^®’s intro APR period — but the card’s value doesn’t end there. It’s our top pick because it offers massive earnings in the form of a valuable sign-up bonus and ongoing rewards. It’s a card you’ll want to keep this card in your wallet long after you’ve paid off your balance.

*Based on LendingTree’s value methodology.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

*The information related to the Chase Freedom Flex^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Credit cards with 21-month-long intro APR

Longest 0% intro APR for purchases, 21 months

Wells Fargo Reflect^® Card*

LendingTree's Review

3.3

LendingTree's Review

3.3

Learn More

Intro purchase APR: 0% intro APR for 21 months from account opening on purchases on purchases. Then, a 17.49%, 23.99%, or 28.24% Variable APR applies.

Long intro APR on purchases and balance transfers
$0 annual fee
Offers cellphone protection

No rewards program or sign-up bonus
Higher-than-average balance transfer fee
Potentially high APR after introductory period

Estimated savings over two years: $1,360

Assuming $6,000 principal balance and $300 monthly payment*

The Wells Fargo Reflect^® Card gives you almost two years to pay off your purchase or balance transfer interest-free, potentially saving you hundreds in interest payments. Although it doesn’t come with a rewards program or sign-up bonus, you will get cellphone protection and rental car insurance.

*Based on LendingTree’s value methodology.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

*The information related to the Wells Fargo Reflect^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Credit cards with 18-month-long intro APR

Best 18-month 0% intro APR

BankAmericard^® credit card*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases, then 14.99% - 25.99% Variable APR .

Long intro APR on purchases and balance transfers
$0 annual fee
No penalty APR

No rewards program or sign-up bonus
Late payment fee

Estimated savings over two years: $1,343

Assuming $6,000 principal balance and $300 monthly payment*

You can save hundreds on interest payments by paying off your debt during the the BankAmericard^® credit card‘s 18-month intro APR period. And though this card doesn’t offer a rewards program or a sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.

*Based on LendingTree’s value methodology.

New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Placeholder

*The information related to the BankAmericard^® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Long 0% intro APR for purchases, 18 billing cycles

U.S. Bank Visa^® Platinum Card*

LendingTree's Review

4.2

U.S. Bank Visa<sup>®</sup> Platinum Card

LendingTree's Review

4.2

Learn More

Intro purchase APR: 0% intro APR for 21 billing cycles on Purchases, followed by a 17.74% - 28.74% (Variable) APR.

Long intro APR on purchases and balance transfers
$0 annual fee
Offers cellphone protection

No rewards program or sign-up bonus
Potentially high APR after introductory period

Estimated savings over two years: $1,341

Assuming $6,000 principal balance and $300 monthly payment*

With the U.S. Bank Visa^® Platinum Card, you’ll get a long 18 billing cycles to pay off your purchase or balance transfer without any interest. There’s no sign-up bonus or rewards program, but the card does come with cellphone protection and the ability to choose your own due date.

*Based on LendingTree’s value methodology.

0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 17.74% - 28.74%.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Choose a payment due date that fits your schedule
No Annual Fee
Terms and conditions apply.

*The information related to the U.S. Bank Visa^® Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Runner-up, 18-month 0% intro APR

Chase Slate Edge^℠*

LendingTree's Review

4.2

LendingTree's Review

4.2

Learn More

Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 18.24% – 28.24% Variable APR applies.

Long intro APR on purchases and balance transfers
$0 annual fee
Potential to lower your interest rate

Penalty APR and late payment fees
No rewards program or sign-up bonus
Potentially high APR after introductory period

Estimated savings over two years: $1,341

Assuming $6,000 principal balance and $300 monthly payment*

The Chase Slate Edge^℠ is a solid choice if you’re looking for a card that will give you a year and a half to pay off a large purchase or balance transfer without paying a cent of interest. There’s one downside of this card, however — its ongoing APR is higher than average. In fact, missing a payment with this card could trigger a penalty APR of and late payment fees.

*Based on LendingTree’s value methodology.

Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers, followed by a 18.24% – 28.24% Variable
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Member FDIC

*The information related to the Chase Slate Edge^℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Credit cards with 15-month-long intro APR

Best for travel

Discover it^® Miles*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

Intro purchase APR: 0% Intro APR for 15 months on purchases, then a 17.49% - 26.49% Variable APR applies.

Intro APR on purchases and balance transfers
$0 annual fee
Earn miles on every purchase
Valuable sign-up bonus

Potentially high APR after introductory period
Can’t transfer miles

Estimated savings over two years: $2,170

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

The Discover it^® Miles gives you 15 months to pay off a purchase, and you’ll earn rewards at a high flat rate that you can redeem for travel or travel statement credits. It also features a fantastic sign-up bonus, which matches all the miles earned at the end of the first year for new cardholders. This can all add up to substantial savings in your first two years, if you’re looking to finance an upcoming vacation.

*Based on LendingTree’s value methodology.

UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee.
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR will apply.
Terms and conditions apply.

*The information related to the Discover it^® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for large purchases

Chase Freedom Unlimited^®*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Intro purchase APR: 0% Intro APR on Purchases for 15 months, then a 18.24% - 27.74% variable APR applies.

Intro APR on purchases and balance transfers
Earns valuable Chase Ultimate Rewards^® points on every purchase
Generous sign-up bonus
$0 annual fee
Valuable benefits, including purchase protection

Potentially high APR after introductory period
Penalty APR and late payment fees

Estimated savings over two years: $2,355

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

The Chase Freedom Unlimited^® features a long intro period, along with a high rewards rate on every purchase that makes it an excellent choice for financing a large purchase. You can even earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening You’ll have over a year to pay off your purchase or balance transfer interest-free, and you can apply any cash back rewards you earn toward your balance.

*Based on LendingTree’s value methodology.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

*The information related to the Chase Freedom Unlimited^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for students

Bank of America^® Travel Rewards Credit Card for Students*

LendingTree's Review

4.9

Bank of America<sup>®</sup> Travel Rewards Credit Card for Students

LendingTree's Review

4.9

Learn More

Intro purchase APR: 0% Intro APR for 15 billing cycles for purchases, followed by a 17.49% to 27.49% Variable APR.

Intro APR on purchases and balance transfers
Earn 1.5x points on every purchase
Generous sign-up bonus
$0 annual fee
No foreign transaction fees

Potentially high APR after introductory period
Intro APR offer doesn’t apply to balance transfers made after the first 60 days

Estimated savings over two years: $2,116

Assuming $6,000 principal balance and $300 monthly payment*

Students won’t find a much better value for financing a large purchase than the Bank of America^® Travel Rewards Credit Card for Students. You’ll get 15 months interest free — one of the longest intro periods among student credit cards — as well as the opportunity to earn points on every purchase. You’ll even get a generous sign-up bonus: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, it doesn’t charge foreign transaction fees, making it a good choice for a semester abroad.

*Based on LendingTree’s value methodology.

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
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 17.49% to 27.49% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*The information related to the Bank of America^® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for business

U.S. Bank Triple Cash Rewards Visa^® Business Card*

LendingTree's Review

4.7

U.S. Bank Triple Cash Rewards Visa<sup>®</sup> Business Card

LendingTree's Review

4.7

Learn More

Intro purchase APR: 0% intro on purchases for 12 billing cycles, then a 17.24% - 26.24% Variable APR applies.

Intro APR on purchases and balance transfers
Earns unlimited cash back rewards
Valuable sign-up bonus
$0 annual fee

Modest rewards rate on general purchases
Balance transfer fee

Estimated savings over two years: $2,372

Assuming $6,000 principal balance and $300 monthly payment*

The U.S. Bank Triple Cash Rewards Visa^® Business Card is currently the only business credit card offering an intro APR period longer than 12 months. With this card, you’ll get 15 months interest free on both purchases and balance transfers. You’ll also earn unlimited cash back in eligible spending categories, including an elevated rate at gas stations and EV charging stations, office supply stores, cellphone service providers and restaurants.

Plus, you can put even more money back in your wallet with an annual $100 statement credit for recurring software subscription expenses and a valuable sign-up bonus: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

*Based on LendingTree’s value methodology.

Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Terms and conditions apply.

*The information related to the U.S. Bank Triple Cash Rewards Visa^® Business Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Credit cards with 12-month-long 0% intro APR

Best for groceries and gas

Blue Cash Preferred^® Card from American Express*

LendingTree's Review

4.6

Blue Cash Preferred<sup>®</sup> Card from American Express

LendingTree's Review

4.6

Learn More

Intro purchase APR: 0% on purchases for 12 months, then a 19.49%-28.49% Variable APR applies.

Intro APR on purchases and balance transfers
Elevated cash back rewards on popular spending categories
Valuable welcome offer

Annual fee
Potentially high APR after introductory period
Penalty APR and late payment fees

Estimated savings over two years: $2,296

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

The Blue Cash Preferred^® Card from American Express is one of the most rewarding 0% APR cards you can find for U.S. gas and supermarket purchases. It gives you a year to pay off your purchase or balance transfer, along with rewards that can add up to huge savings over two years — even with the card’s annual fee. You’ll earn up to 6% cash back in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, you’ll also earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Cash back is easily redeemed for statement credits or at Amazon.com.

*Based on LendingTree’s value methodology.

*To see rates & fees for Blue Cash Preferred^® Card from American Express, please click here.

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Best for low ongoing APR

ESL Visa® Credit Card*

LendingTree's Review

Learn More

Intro purchase APR: 0% introductory APR for 12 months, then a 11.75% - 17.99% Variable applies.

Intro APR on purchases and balance transfers
$0 annual fee
No balance transfer fee

Must be an ESL Federal Credit Union Union member to qualify
No rewards program
No sign-up bonus

Estimated savings over two years: $1,207

Assuming $6,000 principal balance and $300 monthly payment, plus estimated rewards earnings*

If you’re a ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The 11.75% - 17.99% Variable is the lowest we could find among cards with a 0% intro APR on purchases and balance transfers. Additionally, there’s no annual or balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.

*Based on LendingTree’s value methodology.

Save money with our 0% introductory APR for 12 months on balance transfers
Save even more with our low ongoing rate of 11.75% - 17.99% Variable APR.¹
No annual fees.¹
No fees for balance transfers.¹
Get the powerful protection of the Visa Zero Liability Policy.²
Emergency ticket replacement and other travel and emergency assistance.
Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
Extended warranty protection.

*The information related to the ESL Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Compare 0% intro APR credit cards

Credit Cards	Our Ratings	Intro Purchase APR	Regular APR	Rewards Rate
Chase Freedom Flex^®* Learn More	4.5 Winner (most potential savings)	0% Intro APR on Purchases for 15 months	18.24% – 27.74% Variable	5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.	Learn More
Wells Fargo Reflect^® Card* Learn More	3.3 Long 0% APR for purchases	0% intro APR for 21 months from account opening on purchases	17.49%, 23.99%, or 28.24% Variable APR	None	Learn More
USAA® Cashback Rewards Plus American Express® Card*	2.3 Long 0% APR for balance transfers	N/A	16.15% to 28.15%	Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on your first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.
BankAmericard^® credit card* Learn More	4.6 Best 18-month 0% intro APR	0% Intro APR for 21 billing cycles for purchases	14.99% - 25.99% Variable APR	N/A	Learn More
U.S. Bank Visa^® Platinum Card* Learn More	4.2 Runner-up, 18-billing-cycle 0% intro APR	0% intro APR for 21 billing cycles on Purchases	17.74% - 28.74% (Variable)	Non-rewards card	Learn More
Chase Slate Edge^℠* Learn More	4.2 Runner-up, 18-month 0% intro APR	0% Intro APR on Purchases for 18 months.	18.24% – 28.24% Variable	N/A	Learn More
Discover it^® Miles* Learn More	4.3 Best for travel	0% Intro APR for 15 months	17.49% - 26.49% Variable APR	1.5 Miles per dollar on all purchases.	Learn More
Chase Freedom Unlimited^®* Learn More	4.6 Best for large purchases	0% Intro APR on Purchases for 15 months	18.24% - 27.74% Variable	Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases	Learn More
Bank of America^® Travel Rewards Credit Card for Students* Learn More	4.9 Best for students	0% Intro APR for 15 billing cycles for purchases	17.49% to 27.49% Variable APR	1.5 points per $1 spent on all purchases.	Learn More
U.S. Bank Triple Cash Rewards Visa^® Business Card* Learn More	4.7 Best for business	0% intro on purchases for 12 billing cycles	17.24% - 26.24% Variable	Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers and restaurants (excludes discount stores/supercenters and wholesale clubs). 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.	Learn More
Blue Cash Preferred^® Card from American Express* Learn More	4.6 Best for groceries and gas	0% on purchases for 12 months	19.49%-28.49% Variable	Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	Learn More
ESL Visa® Credit Card* Learn More	4.0 Best for low ongoing APR	0% introductory APR for 12 months	11.75% - 17.99% Variable	N/A	Learn More

*The information related to the Chase Freedom Flex^®, Wells Fargo Reflect^® Card, USAA® Cashback Rewards Plus American Express® Card, BankAmericard^® credit card, U.S. Bank Visa^® Platinum Card, Chase Slate Edge^℠, Discover it^® Miles, Chase Freedom Unlimited^®, Bank of America^® Travel Rewards Credit Card for Students, U.S. Bank Triple Cash Rewards Visa^® Business Card, Blue Cash Preferred^® Card from American Express and ESL Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

What to look for when comparing 0% intro APR credit cards

When searching for the best 0% APR credit for you, you’ll want to keep your eye on these features:

Length of introductory period for purchases

The length of the intro period for purchases is the most important feature to look at. You’ll generally want to find the longest period possible, or at least a period that lets you pay off your purchase in time. Try dividing the cost of your intended purchase by the number of months of the intro period on the card — that’ll give you an idea of how large your monthly payment will be and whether you can pay off your balance by the end of the 0% APR period.
Sign-up bonus and rewards

Besides an initial welcome bonus, many credit cards offer a rewards program, through which you can earn cash back or travel rewards with each purchase. This can be another way to help offset the costs of financing your purchase. You may be able to use a large purchase to meet the spending threshold for a sign-up bonus, then use the sign-up bonus to pay off part of that purchase.
Balance transfer APR

If you’re paying interest on an existing credit card balance, you may be more interested in the 0% introductory rate on balance transfers. This rate can allow you to transfer over your balance and pay no interest during the introductory period. Like the 0% introductory APR on purchases, you’ll want the balance transfer period to be as long as possible. But don’t overlook the balance transfer fee — and try to find a card with no balance transfer fee, if possible.
Regular APR

There are many different kinds of credit card APRs, but you should pay close attention to the regular APR. This is the APR you’ll pay after any introductory 0% periods are over. If you have any balance left at the end of the intro period, the regular APR will determine how much interest you have to pay each month.
Annual fee

Most of the credit cards on this list have no annual fee. But if you’re considering a credit card with an annual fee, make sure to account for how much it’ll cut into your overall savings with the card.
Purchase protection

Depending on what you’re buying, you may want to make sure that the credit card you’re using offers some sort of purchase protection. Our list of the best extended warranty credit cards can be a good reference to see what protections you can take advantage of.
Instant credit card numbers

If you have an emergency, or another type of purchase that you need to make without waiting seven to 10 days for your card to arrive, you may want to get one that offers instant credit card numbers. Some issuers offer instant credit card numbers on all of their cards (if you’re eligible), while others only offer them on certain cards.

Best 0% APR cards by bank

If you’re looking for 0% interest credit cards from a particular company, take a look at our top picks from each major issuer. You’ll notice that some of our picks, like the Citi Custom Cash^® Card and Wells Fargo Active Cash^® Card, differ from those listed above. The cards listed below offer better savings but have shorter interest-free periods. If you can afford to pay off your card sooner, we highly recommend giving up the longer APR period and choosing one of the cards below. You can earn valuable sign-up bonuses and ongoing rewards during the introductory period and for years to come.

Credit Cards	Our Ratings	Estimated 2-year savings*	Intro Balance Transfer APR	Regular Balance Transfer Rate
Blue Cash Preferred^® Card from American Express* Learn More	4.6 American Express	$2,296	0% on balance transfers for 12 months	19.49%-28.49% Variable	Learn More
Bank of America^® Travel Rewards credit card* Learn More	4.3 Bank of America	$2,116	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days	17.49% - 27.49% Variable APR on balance transfers	Learn More
Chase Freedom Flex^®* Learn More	4.5 Chase	$2,286	0% Intro APR on Balance Transfers for 15 months	18.24% – 27.74% Variable	Learn More
Citi Custom Cash^® Card* Learn More	4.4 Citi	$2,393	0% intro APR for 18 months on Balance Transfers	17.49% - 27.49% (Variable)	Learn More
Discover it^® Miles* Learn More	4.3 Discover	$2,170	0% Intro APR for 15 months	17.49% - 26.49% Variable APR	Learn More
Wells Fargo Active Cash^® Card* Learn More	4.6 Wells Fargo	$2,259	0% intro APR for 12 months from account opening on qualifying balance transfers	18.49%, 24.49%, or 28.49% Variable APR	Learn More

*The information related to the Blue Cash Preferred^® Card from American Express, Bank of America^® Travel Rewards credit card, Chase Freedom Flex^®, Citi Custom Cash^® Card, Discover it^® Miles and Wells Fargo Active Cash^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

*Based on LendingTree’s value methodology.

What is APR on a credit card?

The APR (annual percentage rate) on a credit card is the annual interest rate you’ll pay if you carry a balance. Most cards have a variable interest rate, meaning it can fluctuate over time based on the prime rate set by the Federal Reserve.

How does credit card interest work?

When you use your credit card, you’re borrowing money from the bank that you are liable to pay back. If you don’t pay back the full amount between receiving your statement and the monthly due date — known as a grace period — then you’ll be charged interest (determined by your card’s APR) on the remaining balance. Plus, you’ll likely lose your grace period for the month you don’t pay in full and the month after. This means your card will start incurring interest charges on any new purchases as soon as you make them during those months.

What does 0% APR mean?

A 0% intro APR credit card lets you carry a balance on the card for a period of time (usually between six to 21 months) without accumulating interest. The 0% APR can apply to purchases, balance transfers or both. Just be aware that you may lose the card’s intro 0% APR period if you make late payments.

When a card advertises 0% interest, make sure that it’s a true 0% intro offer and not a deferred interest offer. A true 0% introductory offer charges interest only on the outstanding balance once the introductory period is over. With a deferred interest offer, if you don’t pay off every cent of your balance by the end of the introductory period, you will have to pay the full amount of interest that was waived during that introductory period. All of the cards in our list above are true 0% APR credit cards.

How to avoid interest on credit cards

Most credit cards offer a grace period, a time between when they send you a credit card statement with your balance and when your payment is actually due. If you regularly pay off your balance in full and before the due date, you’ll avoid paying interest altogether.

Even if you’re unable to pay off your balance every month, it’s important to make your payments on time. You’ll avoid paying a higher interest rate (called a penalty APR) that some cards charge when you miss a payment.

Pros and cons of 0% APR credit cards

Can save you hundreds of dollars in interest that can go toward the principal of your debt rather than interest payments
Improve your credit score by making regular payments during the introductory period
Potential to earn rewards and/or welcome bonuses, depending on the card

You may forfeit your 0% APR if you make a late payment
Interest rates are typically high after the introductory period
It can be tempting to delay or skip payments on your balance when you have a long introductory period

How much could you save with a zero-interest credit card?

If you pay off your balance within the introductory period, you could save well over $1,000 in interest payments with one of our no-interest credit card recommendations. But you could easily double those savings by choosing a 0% APR card with a valuable sign-up bonus and ongoing rewards program. The cards with the best sign-up bonuses and rewards — like the Chase Freedom Unlimited^® — might have shorter no-interest periods, but the cash back rewards make these cards much more valuable.

Let’s say you make a $6,000 purchase and can afford a $300 monthly payment. You’d save over $1,000 in interest payments with each of these cards:

0% APR credit card	Introductory APR	Savings*
U.S. Bank Triple Cash Rewards Visa^® Business Card	0% intro on purchases for 12 billing cycles, then a 17.24% - 26.24% Variable APR applies.	$2,372
Chase Freedom Unlimited^®	0% Intro APR on Purchases for 15 months, then a 18.24% - 27.74% Variable APR applies.	$2,355
	. Then, a APR applies.	$2,334*
Blue Cash Preferred^® Card from American Express	0% on purchases for 12 months, then a 19.49%-28.49% Variable APR applies.	$2,296
Chase Freedom Flex^®	0% Intro APR on Purchases for 15 months, then a 18.24% – 27.74% Variable APR applies.	$2,286
Discover it^® Miles	0% Intro APR for 15 months on purchases, then a 17.49% - 26.49% Variable APR applies.	$2,170
Bank of America^® Travel Rewards Credit Card for Students	0% Intro APR for 15 billing cycles for purchases, followed by a 17.49% to 27.49% Variable APR.	$2,116
Wells Fargo Reflect^® Card	0% intro APR for 21 months from account opening on purchases on purchases. 17.49%, 23.99%, or 28.24% Variable APR.	$1,360
BankAmericard^® credit card	0% Intro APR for 21 billing cycles for purchases, then 14.99% - 25.99% Variable APR .	$1,343
Chase Slate Edge^℠	0% Intro APR on Purchases for 18 months. Then, a 18.24% – 28.24% Variable APR applies.	$1,341
U.S. Bank Visa^® Platinum Card	0% intro APR for 21 billing cycles on Purchases, followed by a 17.74% - 28.74% (Variable) APR.	$1,341

*Based on LendingTree’s value methodology.

How to choose a 0% APR credit card

1. Make sure you can qualify for a 0% APR card

You’ll typically need good to excellent credit to qualify for a 0% APR credit card. If your credit score is poor or fair, consider applying for one of the best cards for fair credit or the best credit cards for bad credit. Unfortunately, if your credit score is too low, you may not qualify for a 0% APR offer.

FICO and VantageScore are the two major credit scoring systems that measure your creditworthiness — that is, how responsible you are as a borrower. Financial institutions like banks and credit card issuers look at your credit score to determine whether they’ll offer you a loan, credit card or even a mortgage.

Don’t know your credit score? Sign up for LendingTree Spring to get your free credit score.

2. Search for cards with longer introductory offers

You’ll generally want to find a card with a longer intro period to make your payments more manageable. However, the intro period isn’t everything — there is a tradeoff when it comes to other card benefits. A card’s rewards, including the sign-up bonus, can add substantially to your savings with the card. You may get a better overall value by choosing a rewards card with a shorter APR term than a longer one with no rewards.

3. Factor in the value of the sign-up bonus (if you can earn it)

Many credit cards with 0% APR offers also offer sign-up bonuses worth hundreds of dollars that can help pay off your purchase, so it may make sense to seek out cards that offer bonuses. While most cards with no annual fee offer either no sign-up bonus or a sign-up bonus in the range of $150 to $200, some cards do offer higher welcome bonuses.

4. Find rewards that match your spending patterns

While some cards offer a flat rewards rate on all purchases, others offer bonus rewards in certain spending categories, like restaurants, gas and groceries. Match up the type of purchase(s) you’ll be financing with cards that offer bonus rewards on those purchases to help you earn extra rewards. You should also consider bonus categories that match your regular spending categories if you plan to keep the card after the intro offer expires.

Who is a 0% APR credit card best for?

You should only get a 0% APR card if…

You have a payment plan in place and are disciplined enough to follow it. You won’t come out ahead if you get a 0% APR card and then don’t pay it down before the intro rate ends.
You need to pay down a large purchase or consolidate debt from a high-interest card. It can give you extra breathing room to pay off the purchases at a slower pace without incurring interest.
You can afford to make more than the minimum monthly payments. Getting a 0% APR credit card and only paying the minimum could land you in debt for years. In fact, a recent LendingTree study on minimum payments found that it would take 11 years to pay down a $2,000 balance by only making the minimum payment.

How to make the most of your 0% APR card

Choose a rewards card with a shorter 0% intro APR period

This is especially true if you can afford to pay off your balance sooner. You’ll notice that credit cards that offer rewards — like the Chase Freedom Unlimited^® — have some of the highest ratings on this list. That’s because the rewards programs on these cards potentially offer greater savings over a no-frills 0% intro APR card. If you’re a disciplined card user, you can even use the rewards earned on these cards to help pay down your balance.
Make your payments on time

If you make a late payment or miss one altogether, you may forfeit your introductory APR. Plus, some cards charge late fees and penalty APRs. Stay on top of your credit card bill and make your payments on time to avoid fees.
Pay off your card before the introductory period is over

This will help you avoid paying interest on your purchase or balance transfer.

To calculate what your monthly payment should be in order to avoid interest payments, use this formula:

Total amount you owe / length of introductory 0% APR offer (in months) = Monthly payment

Alternatives to 0% interest APR credit cards

Alternative	What it is	Consider it if...
Personal loans	A lump sum of money that you repay in monthly installments for a predetermined amount of time	Your credit score is too low to qualify for a 0% APR card, or if you can’t afford to pay off your balance in full before the introductory period ends
Ask for lower interest rate	You can call your credit card issuer and request a lower interest rate	You like your current credit card’s terms and benefits but want to decrease the amount you pay in interest
Balance transfer credit card	A credit card that doesn't charge interest for a specified period of time on debt transferred from another card	You have high-interest debt on another card that you can pay off in full during the introductory period
Low-interest credit card	A credit card that has a relatively low APR	You need to carry a balance month to month and won’t be able to pay off a 0% APR card before the introductory period ends

Frequently asked questions

The longest 0% APR period is 21 months, but there are only a few cards currently offering an intro APR period that long. Our pick for the best is the Wells Fargo Reflect^® Card, which gives a 0% intro APR for 21 months from account opening on purchases . After, a 17.49%, 23.99%, or 28.24% Variable APR applies.

You generally need a good to excellent credit score to qualify for a 0% APR card. That’s either a minimum 670 FICO Score or 661 VantageScore.

With most credit cards, you won’t be able to extend the 0% introductory period. Once the intro period is over, you’ll start paying the regular APR on any outstanding balance.

It’s not likely that your current issuer will give you 0% APR, but you may be able to get a lower APR. A LendingTree survey found that 76% of people who ask their issuer to lower their APR get their request granted. Although it’s not as great as having 0% APR, it can still help you save on interest.

Methodology: How we chose the best 0% APR credit cards

To bring you the list of best 0% APR credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor data.

Average value over two years (90% of rating): We calculate the amount saved on interest given the length of the card’s introductory period. We assume a purchase of $1,800 and a monthly payment of $300. We subtract the card’s annual fee and interest paid on any amount remaining after the introductory period expires. We also add in the amount earned on rewards for the average cardholder, including the card’s sign-up bonus, minus the card’s annual fee. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
Other features (10% of rating): We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.

Note, that our ratings are a starting point for comparing and choosing the best 0% APR credit cards. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to finance with a 0% offer and which benefits you value to choose the best card for you.

*To see rates & fees for Blue Cash Preferred^® Card from American Express, please click here.

The information related to the Wells Fargo Active Cash^® Card, U.S. Bank Triple Cash Rewards Visa^® Business Card and ESL Visa® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Blue Cash Preferred^® Card from American Express, Chase Freedom Flex^®, Wells Fargo Reflect^® Card, Citi Simplicity^® Card, BankAmericard^® credit card, U.S. Bank Visa^® Platinum Card, Chase Slate Edge^℠, Discover it^® Miles, Chase Freedom Unlimited^®, Bank of America^® Travel Rewards Credit Card for Students, U.S. Bank Triple Cash Rewards Visa^® Business Card, ESL Visa® Credit Card, USAA® Cashback Rewards Plus American Express® Card, Citi Custom Cash^® Card, Wells Fargo Active Cash^® Card and Bank of America^® Travel Rewards credit card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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Find your best credit card

Best 0% APR Credit Cards in May 2025

Key Takeaways

Summary

13 Best zero interest credit cards

Winner for the best 0% APR credit card

Chase Freedom Flex®

Winner for the best 0% APR credit card

Chase Freedom Flex®

Winner (most potential savings)

Chase Freedom Flex®*

Credit cards with 21-month-long intro APR

Longest 0% intro APR for purchases, 21 months

Wells Fargo Reflect® Card*

Credit cards with 18-month-long intro APR

Best 18-month 0% intro APR

BankAmericard® credit card*

Long 0% intro APR for purchases, 18 billing cycles

U.S. Bank Visa® Platinum Card*

Runner-up, 18-month 0% intro APR

Chase Slate Edge℠*

Credit cards with 15-month-long intro APR

Best for travel

Discover it® Miles*

Best for large purchases

Chase Freedom Unlimited®*

Best for students

Bank of America® Travel Rewards Credit Card for Students*

Best for business

U.S. Bank Triple Cash Rewards Visa® Business Card*

Credit cards with 12-month-long 0% intro APR

Best for groceries and gas

Blue Cash Preferred® Card from American Express*

Best for low ongoing APR

ESL Visa® Credit Card*

Compare 0% intro APR credit cards

What to look for when comparing 0% intro APR credit cards

Length of introductory period for purchases

Sign-up bonus and rewards

Balance transfer APR

Regular APR

Annual fee

Purchase protection

Instant credit card numbers

Best 0% APR cards by bank

What is APR on a credit card?

How does credit card interest work?

What does 0% APR mean?

How to avoid interest on credit cards

Pros and cons of 0% APR credit cards

How much could you save with a zero-interest credit card?

How to choose a 0% APR credit card

1. Make sure you can qualify for a 0% APR card

2. Search for cards with longer introductory offers

3. Factor in the value of the sign-up bonus (if you can earn it)

4. Find rewards that match your spending patterns

Who is a 0% APR credit card best for?

How to make the most of your 0% APR card

Choose a rewards card with a shorter 0% intro APR period

Make your payments on time

Pay off your card before the introductory period is over

Alternatives to 0% interest APR credit cards

Frequently asked questions

What credit card has the longest 0% interest rate?

What is a good credit score for 0% APR?

Can I extend the 0% introductory period on my credit card?

Can I get 0% interest on my current credit card?

Methodology: How we chose the best 0% APR credit cards

Recommended Articles

Chase Freedom Flex^®

Chase Freedom Flex^®

Chase Freedom Flex^®*

Wells Fargo Reflect^® Card*

BankAmericard^® credit card*

U.S. Bank Visa^® Platinum Card*

Chase Slate Edge^℠*

Discover it^® Miles*

Chase Freedom Unlimited^®*

Bank of America^® Travel Rewards Credit Card for Students*

U.S. Bank Triple Cash Rewards Visa^® Business Card*

Blue Cash Preferred^® Card from American Express*