10 Best 0% APR Credit Cards [Updated]

Many companies provide a 0% introductory period for new credit card holders. Getting these type of cards can be an excellent and useful choice for those people who need to pay a debt or looking to finance a large purchase. Don’t forget, though, that you have to make at least the minumum payment so that you don’t risk losing the offer.

These are some of our best picks:

HSBC Gold Mastercard Credit Card

• 0% intro APR for 18 months
• No penalty APR
• No annual fee
• No foreign transaction fees
• No liability for unauthorized purchases

Chase Freedom Unlimited

• No annual fee
• 0% intro APR for 15 months
• 5% cash back on every purchase
• $150 bonus after spending $500 within the first 3 months

Discover it – Cashback Match

• No annual fee
• 0% intro APR for 14 months
• 0% for balance transfers for 14 months
• Cash rewards never expire

Bank of America Cash Rewards

• No annual fee
• 0% intro APR for 12 months
• 0% for balance transfers for 60 days
• $150 cash bonus after spending $500 within the first 3 months
• 1% cash back on every purchase
• Earn a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account.

Capital One VentureOne Rewards

• No annual fee
• 0% APR on purchases for 12 months
• 20,000 miles after spending $1,000 within 3 months
• 25 miles per $1 dollar spent
• No foreign transaction fees
• Flexible rewards redemption

Citi Double Cash Card

• 0% intro APR for 18 months
• No annual fee
• 1% cash back on every purchase plus 1% cash back as you pay for those purchases in full or over time
• No liability for unauthorized purchases

Chase Freedom

• No annual fee16.65%-26.49%
• $150 bonus after spending $500 within the first 3 months
• 0% intro APR for 15 months
• 1% cash back on every purchase
• No minimum to redeem for cash back

Wells Fargo Platinum Visa Card

• No annual fee
• Zero liability protection
• 0% Intro APR for 15 months, then it’s 16.65%-26.49%
• Free access to your FICO® Credit Score
• 0% Balance Transfer Fee for 15 months

Citi ThankYou Preferred Card

• No annual fee
• 2x points on dining out and entertainment
• 1x points on other purchases
• 0% APR for 15 months
• Points don’t expire

The Amex Everyday Credit Card

• 10,000 bonus points after spending at least $1,000 within the first 3 months
• 0% APR on purchases and balance transfers for 15 months
• 2x points at US supermarkets
• No annual fee

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