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Best 0% APR Credit Cards 2024

While no credit card maintains a 0% APR indefinitely, certain cards offer an extended period without charging interest. These cards can assist in saving money, consolidating debt, and occasionally provide attractive perks and rewards. Some Best credit cards APR of 0% feature interest-free periods lasting over two years.

Key factors to consider when applying for a 0% APR credit card include the regular APR that applies after the introductory offer ends, any annual fees, and the minimum required credit. Additionally, you might want to explore the card’s welcome offer and other associated perks.

Best credit cards APR 0%: Summary

Why we recommend these cards

Best for bonus category cash back: Citi Custom Cash® Card

Credit score neededExcellent, Good, Fair
Intro APR0% 15 months
Regular APR19.24% – 29.24% (Variable)
Annual fees$0

Rewards: Earn 5% cash back on the first $500 you spend in your highest eligible spend category each billing cycle. After, cash back falls to 1%, which is the same rate that applies to all other purchases.

Welcome, offer: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Why we chose it: This card lets you earn 5% cash back on up to $500 spent in your highest eligible spending category each billing cycle (then 1% thereafter). While the $500 cap is a bit limiting, it resets every billing cycle, and you don’t have to keep track of rotating 5% categories. The card also offers a 0% 15-month intro APR rate and 0% 15-month intro balance transfer rate.

Pros & cons:

Pros:Cons:
5% cash back on up to $500 in your highest eligible spend category per billing cycleHigh spend amount to earn welcome offer
Annual fee: $0 (Rates & Fees)The $500 cap could be limiting for some
Intro APR: 0% 15 monthsNo bonus cash back outside the 5% category

Best for flexible rewards: Chase Freedom Unlimited®

Credit scoreExcellent, Good
Intro APR0% Intro APR on Purchases 15 months
Balance transfer intro apr0% Intro APR on Balance Transfers 15 months
APR20.49% – 29.24% Variable
Annual fees$0
Welcome offerEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Why we like it

The Chase Freedom Unlimited® is a solid flat-rate earnings card with an annual fee. Although the 1.5% cash back doesn’t seem impressive at first glance, it becomes more valuable when combined with other rewards cards from Chase that can be redeemed for a far greater value.

This card is recommended for everyday use, whether for doctor copays or big box store purchases. It can be a large earner for cardmembers who want to get the most out of their everyday spending.

Rewards: Earn unlimited 5% cash back on Chase Ultimate Rewards Purchases, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases

Welcome, offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cashback. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Why we chose it: The Chase Freedom Unlimited® is one of the best 0% APR credit cards thanks to its generous cash back, intro APR, and welcome offer. It has earned an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cashback. that’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. and a 0% Intro APR on Balance Transfers for 15 months and 0% Intro APR on Purchases 15 months.

Pros & cons:

Pros:Cons:
$0 annual feeSome cards have longer 0% APR periods
Several bonus cash-back categoriesSome alternatives have higher cash-back rates on all purchases
Earns 1.5% cash back on non-bonus spending3% of each transaction in U.S. dollars foreign transaction fee
0% Intro APR on Purchases 15 months
Low spending requirement to earn welcome offer

Related topic

Best Cash Back Credit Cards for 2024

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