Best 0% APR Credit Cards

Compare credit cards with introductory 0% APR offers for purchases, balance transfers, or both.

Top 0% APR Card Picks

Best for New Purchases

Find cards with introductory 0% APR periods that may help you spread out larger purchases.

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Best for Balance Transfers

Compare cards that combine 0% intro APR offers with balance transfer options.

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Best No Annual Fee Option

Review 0% APR cards that offer value without adding an annual fee.

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How 0% APR Credit Cards Work

0% APR credit cards offer a promotional period where interest may not be charged on qualifying purchases or balance transfers. These offers can be helpful if you have a payoff plan before the promotional period ends.

Before applying, compare the intro APR length, regular APR, balance transfer fees, annual fees, and whether the offer applies to purchases, transfers, or both.