A 0% APR credit card can save you money when planning large purchases. That’s because these cards provide you with zero interest financing for the duration of their introductory rate. Start piling up some savings. Below you’ll find Walletero’s top recommendations from the hundreds of cards we’ve reviewed.

Our Picks

Citi Simplicity ® Card – No Late Fees Ever

  • Annual Fee : $0 Annual Fee
  • Regular APR : 14.74-24.74% Variable APR
  • Intro Bal. Transfer APR : 0% 18 Months

Summary Terms

  • 0% Intro APR on transfers for 18 months from date of first transfer.
  • 3% or $5 minimum fee on transfers, whichever is greater, for each transfer.
  • 0% Intro APR on purchases for 18 months.
  • Regular 14.74% – 24.74% variable APR based on your creditworthiness.
  • $0 annual fee.

Additional Information

  • Keep it simple with no late fees, no penalty rate and no annual fee – ever.
  • 0% Intro balance transfer APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
  • 0% Intro purchase APR for 18 months from date of account opening.
  • After the introductory period ends, APR will be 14.74% to 24.74%, based on creditworthiness.
  • Balance transfer fee of 3% or $5 minimum, whichever is greater, for each transfer.
  • $0 liability on unauthorized charges.

Chase Freedom® Unlimited

  • Annual Fee : $0 Annual Fee
  • Regular APR : 14.99-23.74% Variable APR
  • Intro Bal. Transfer APR : 0% 15 Months

Summary Terms

  • Intro purchase APR is 0% for 15 months from account opening.
  • Regular variable APR of 14.99%– 23.74% after Intro offer.
  • $0 annual fee.
  • 0% intro APR for 15 months on balance transfers.
  • 3% balance transfer fee on the amount transferred with $5 minimum.

Additional Information

  • Earn $200 bonus after you spend $500 on purchases in your first 3 months from account opening.*
  • Earn unlimited 1.5% cash back on every purchase – it’s automatic.*
  • Cash Back rewards do not expire as long as your account is open* and there is no minimum to redeem for cash back.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable 14.99%–23.74% APR. Balance transfer fee is 3% of the amount transferred with a minimum of $5.
  • Zero Liability Protection – Means you won’t be held responsible for unauthorized charges made with your card or account information.*

Citi Simplicity ® Card – No Late Fees Ever

  • Annual Fee : $0 Annual Fee
  • Regular APR : 14.74-24.74% Variable APR
  • Intro Bal. Transfer APR : 0% 18 Months

Summary Terms

  • 0% Intro APR on transfers for 18 months from date of first transfer.
  • 3% or $5 minimum fee on transfers, whichever is greater, for each transfer.
  • 0% Intro APR on purchases for 18 months.
  • Regular 14.74% – 24.74% variable APR based on your creditworthiness.
  • $0 annual fee.

Additional Information

  • Keep it simple with no late fees, no penalty rate and no annual fee – ever.
  • 0% Intro balance transfer APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
  • 0% Intro purchase APR for 18 months from date of account opening.
  • After the introductory period ends, APR will be 14.74% to 24.74%, based on creditworthiness.
  • Balance transfer fee of 3% or $5 minimum, whichever is greater, for each transfer.
  • $0 liability on unauthorized charges.

Chase Freedom® Unlimited

  • Annual Fee : $0 Annual Fee
  • Regular APR : 14.99-23.74% Variable APR
  • Intro Bal. Transfer APR : 0% 15 Months

Summary Terms

  • Intro purchase APR is 0% for 15 months from account opening.
  • Regular variable APR of 14.99%– 23.74% after Intro offer.
  • $0 annual fee.
  • 0% intro APR for 15 months on balance transfers.
  • 3% balance transfer fee on the amount transferred with $5 minimum.

Additional Information

  • Earn $200 bonus after you spend $500 on purchases in your first 3 months from account opening.*
  • Earn unlimited 1.5% cash back on every purchase – it’s automatic.*
  • Cash Back rewards do not expire as long as your account is open* and there is no minimum to redeem for cash back.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable 14.99%–23.74% APR. Balance transfer fee is 3% of the amount transferred with a minimum of $5.
  • Zero Liability Protection – Means you won’t be held responsible for unauthorized charges made with your card or account information.*

Quicksilver® from Capital One®

  • Annual Fee : $0 Annual Fee
  • Regular APR : 15.49-25.49% Variable APR
  • Intro Bal. Transfer APR : 0% 15 Months

Summary Terms

  • 0% Intro APR for 15 months for balance transfers and purchases.
  • Regular 15.49% – 25.49% variable APR after that.
  • 3% fee on the amounts transferred within the first 15 months.
  • $0 annual fee.
  • Earn unlimited 1.5% cash back on every purchase, every day.

Additional Information

  • Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • Regular APR is 15.49% – 25.49% variable APR after Intro period based on your creditworthiness.
  • 24/7 customer service.
  • Redeem cash back for any amount at any time with no expiration date for the life of the account.
  • No foreign transaction fees. You won’t pay a transaction fee when making a purchase outside of the United States.
  • For good to excellent credit.

Discover it® Cash Back

  • Annual Fee : $0 Annual Fee
  • Regular APR : 11.99-22.99% Variable APR
  • Intro Bal. Transfer APR : 0% 14 Months

Summary Terms

  • 0% Intro APR for 14 months on purchases and balance transfers.
  • 3% fee on the amount of each transfer until June 10, 2021.
  • Standard variable APR of 11.99% to 22.99% applies after Intro offer.
  • $0 annual fee.

Additional Information

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, and more up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you’ve earned at the end of your first year.*
  • Your cash back never expires. Redeem your rewards in any amount, at any time.*
  • Easily view your FICO® Credit Score on monthly statements, mobile and online for free*.
  • If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers with Freeze It®.*
  • 100% U.S.-based customer service.

Chase Freedom Flex

  • Annual Fee : $0 Annual Fee
  • Regular APR : 14.99-23.74% Variable APR
  • Intro Bal. Transfer APR : 0% 15 Months

Summary Terms

  • Intro purchase APR is 0% for 15 months from account opening.
  • Regular variable APR of 14.99%– 23.74% after Intro offer.
  • $0 annual fee.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.
  • 3% balance transfer fee on the amount transferred with $5 minimum.

Additional Information

  • Earn $200 cash back after you spend $500 on purchases in your first 3 months from account opening.*
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.*
  • Earn unlimited 1% cash back on all other purchases.*
  • Cash Back rewards do not expire as long as your account is open* and there is no minimum to redeem for cash back.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable 14.99%– 23.74% APR. Balance transfer fee is 3% of the amount transferred with a minimum of $5.
  • Zero Liability Protection – Means you won’t be held responsible for unauthorized charges made with your card or account information.*
Top 0% APR Credit Cards