Best Credit Cards for 0% APR
Are you looking for a credit card with a 0% introductory APR? If so, you’re in luck. There are many great options available, and we’ve rounded up some of the best ones for you here.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is a great option if you’re looking for a card with a long 0% intro APR period. You’ll get 0% intro APR for 12 months on purchases and qualifying balance transfers. After that, the variable APR will be 20.24%, 25.24%, or 29.99%. The card also earns unlimited 2% cash rewards on all purchases, so you can earn cash back on everything you buy.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a great option if you’re looking for a card that earns flexible rewards. You’ll earn 2X points on all travel and dining purchases, and 1 point per dollar on all other purchases. You can redeem your points for travel, gift cards, or cash back. The card also comes with a $95 annual fee, but it’s waived for the first year.
The Platinum Card® from American Express
The Platinum Card® from American Express is a great option if you’re looking for a premium card with a lot of perks. You’ll get access to airport lounges, travel insurance, and other benefits. The card also comes with a $695 annual fee, but it’s waived for the first year.
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card is a great option if you’re looking for a card that earns cash back on dining and entertainment. You’ll earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), and 1% cash back on all other purchases. The card also has no annual fee.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a great option if you’re looking for a card with no annual fee. You’ll earn 1.5% cash back on every purchase, and there’s no limit to how much cash back you can earn.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a great option if you’re looking for a card that earns cash back on everyday purchases. You’ll earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores, and 1.5% cash back on all other purchases. The card also has no annual fee.
Discover it® Cash Back
The Discover it® Cash Back is a great option if you’re looking for a card that earns cash back on rotating categories. You’ll earn 5% cash back on different categories each quarter, and 1% cash back on all other purchases. The card also has no annual fee.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is a great option if you’re looking for a premium card with a lot of travel benefits. You’ll earn 3X points on travel and dining, and 1 point per dollar on all other purchases. You can redeem your points for travel, gift cards, or cash back. The card also comes with a $550 annual fee.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a great option if you’re looking for a card that earns miles. You’ll earn 2X miles on all purchases, and you can redeem your miles for travel, gift cards, or cash back. The card also has a $95 annual fee.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is a great option if you’re a frequent IHG Rewards Club member. You’ll earn 10X points at IHG hotels and resorts, 5X points on travel, gas stations, and restaurants, and 3X points on all other purchases. The card also comes with a $99 annual fee.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card is a great option if you’re a frequent Marriott Bonvoy member. You’ll earn 6X points at Marriott Bonvoy hotels, and 2X points on all other purchases. The card also comes with a $95 annual fee.
United Club℠ Infinite Card
The United Club℠ Infinite Card is a great option if you’re a frequent United Airlines flyer. You’ll earn 4X miles on United purchases, and 2X miles on all other purchases. The card also comes with a United Club membership, which gives you access to United Club lounges. The card also has a $525 annual fee.
Southwest® Rapid Rewards® Performance Business Credit Card
The Southwest® Rapid Rewards® Performance Business Credit Card is a great option if you’re a small business owner who frequently travels on Southwest Airlines. You’ll earn 4X points on Southwest purchases, and 2X points on all other purchases. The card also comes with a 10,000-point sign-up bonus. The card also has a $199 annual fee.
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is a great option if you’re a frequent Hilton Honors member. You’ll earn 12X points on Hilton purchases, and 6X points on dining, gas stations, and supermarkets. The card also comes with a $150 annual fee.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is a great option if you’re a small business owner who frequently travels on Hilton properties. You’ll earn 12X points on Hilton purchases, and 5X points on all other purchases. The card also comes with a $195 annual fee.
Prime Visa
The Prime Visa is a great option if you’re an Amazon Prime member. You’ll earn 5% cash back on Amazon.com purchases, and 2% cash back on gas stations, restaurants, and local transit. The card also has no annual fee, but you need to be an Amazon Prime member to qualify.