Best 0% intro APR credit cards of 2025

Take advantage of no interest payments with an intro 0% APR card. Get matched to credit cards from our partners based on your unique credit profile.^⍉

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Pay off large purchases over time

Make interest-free payments during the intro period.

Save money on interest

Just make sure to pay off the balance before the interest-free period ends.

Lower monthly payments

Avoiding interest fees helps lower the cost of your payments.

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Cash back Rewards For bad credit For fair credit Balance transfer Secured Low interest Student Travel 0% intro APR No annual fee Intro bonus No foreign transaction fee Airline Hotel Gas For building credit For no credit

All 0% intro APR credit cards

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49 partner offers

[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

Need help deciding?When comparing 0% intro credit cards, consider these factors before applying.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which card will benefit you the most over the course of a year.

Intro 0% APR period

A credit card intro APR period is one where you benefit from a 0% APR for a period of time. This can apply to new purchases, balance transfers or both. During the intro period, you won’t incur any interest charges. After, the APR will increase to a standard APR.

Balance transfer fee

A balance transfer fee is generally 3% or 5% of the amount you transfer. So a $5,000 balance transfer with a 5% fee would come out to $250. This fee is often offset by the interest savings of completing a balance transfer.

Credit limit

Your credit limit is how much you’re able to spend with your card and will be assigned after you’re approved for a card. Keep this amount in mind when you start to use your card for large purchases or balance transfers.

[TEST]

Intro APR:	N/A*
Ongoing APR:	N/A*
Rewards:	N/A*
Annual Fee:	N/A*

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[TEST] Citi^® Double Cash Card – 18 month BT offer

Intro APR:	0% for 18 months on Balance Test Transfers*
Ongoing APR:	15.74% - 25.74%* (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0*

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Rates and fees

[TEST]

Intro APR:	N/A*
Ongoing APR:	N/A*
Rewards:	N/A*
Annual Fee:	N/A*

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[TEST] SAMU-1732-X01-01

Intro bonus:	^100-update
Intro APR:	^{2.5%-update Apr Intro}
Ongoing APR:	^{4.5%-update Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	^20-update0

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-update<sup>Test Short Disclaimer</sup>

Rates and fees

[TEST] Discover it^® Student Cash Back

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	17.24% - 26.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

[TEST] Discover it^® Cash Back

Intro bonus:	Dollar-for-dollar match of all cash back earned the first year
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

Wells Fargo Reflect^® Card

Intro APR:	0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers
Ongoing APR:	17.24%, 23.74%, or 28.99% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

Sony^® Card from Capital One^®

Intro bonus:	N/A*
Intro APR:	N/A
Ongoing APR:	14.99% - 24.99% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

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[TEST] U.S. Bank Smartly™ Visa Signature^® Card

Intro APR:	0% on Purchases and Balance Transfers for 12 billing cycles
Ongoing APR:	18.49% - 28.74% Variable
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

(1519 reviews)

Citi^® Diamond Preferred^® Card

Intro APR:	0% for 21 months on Balance Transfers and 12 months on Purchases
Ongoing APR:	17.24% - 27.99% (Variable)
Rewards:	N/A*
Annual Fee:	$0

Apply View details

Rates and fees

[TEST] First PREMIER^® Bank Mastercard^® Credit Card

Intro bonus:	Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	11.99% - 22.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

(1585 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

Test Citi^® / AAdvantage^® Gold World Elite™ MasterCard^®

Intro APR:	0% Intro APR for 15 months on purchases
Ongoing APR:	16.49% - 24.49% Variables
Rewards:	1%-6% (cash back)
Annual Fee:	$50 (waived for the first 12 months)

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Rates and fees

(2965 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2071-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

(302 reviews)

Blue Cash Preferred^® Card from American Express

Intro bonus:	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

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Terms Apply

Rates and fees

(2904 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

View details

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Rates and fees

A0999991

Intro APR:	N/A*
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	N/A*
Annual Fee:	$0

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[TEST] SAMU-2071-005

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1131 reviews)

Discover it^® Chrome

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] GenAI Summary Test Bank of America^® Customized Cash Rewards credit card

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

SoFi Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	17.99% - 29.99% Variable
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1323 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	18.24% - 28.24% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(460 reviews)

Wells Fargo Reflect^® Card

Intro APR:	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	17.24%, 23.74%, or 28.99% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

(375 reviews)

Discover it^® Miles

Intro bonus:	Discover will match all the Miles you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-004

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(9199 reviews)

Discover it^® Cash Back

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-5% (cash back)
Annual Fee:	$0

View details

Rates and fees

(85 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

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Rates and fees

Wells Fargo Active Cash℠ Card test test test

Intro bonus:	Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
Intro APR:	0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	14.99%-24.99% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(967 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

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Rates and fees

(405 reviews)

Chase Freedom Unlimited^®

Intro bonus:	Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.49% Variable
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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My Test Offer Name

Intro APR:	N/A*
Ongoing APR:	N/A*
Rewards:	N/A*
Annual Fee:	$100

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[TEST] SAMU-2073-0015

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1976 reviews)

Blue Cash Everyday^® Card from American Express

Intro bonus:	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-3% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

Wells Fargo Cash Wise Visa^® card

Intro APR:	0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers
Ongoing APR:	15.49%-27.49% (Variable)
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2073-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

View details

Short Disclaimer

Rates and fees

[TEST] SAMU-2071-006

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-1959-003

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

Blue Cash Everyday^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.24%-26.24% Variable
Rewards:	N/A*
Annual Fee:	$0

View details

Rates and fees

(494 reviews)

Capital One^® Quicksilver^® Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.49% - 25.49% (Variable)
Rewards:	1% (cash back)
Annual Fee:	$0

View details

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best intro 0% APR credit card

Find out your FICO^® Score

Use your Experian account to check your credit.

Know the length of the offer

The longer the 0% intro period, the longer you have to pay it off.

Check the after-intro APR

Know what the interest rate will be when the intro period ends.

Compare fees

Check for annual fees, balance transfer fees and others.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

Frequently asked questions

An introductory 0% APR credit card doesn't charge interest on purchases, balance transfers or both made during the promotional period. This can add flexibility to your budget by allowing you to carry a balance and pay off your balance gradually. At the end of the introductory period, any remaining balance starts accruing interest at the card's standard APR.

Normally, 0% APR periods are offered for 12 months or more. Many of the better offers can be for up to 18 months, and occasionally up to even 21 months before interest starts to accrue.

You may need good or excellent credit to qualify for top intro 0% APR credit card offers. The better your credit score, the more likely you'll be approved for cards with higher credit limits, more perks and lower interest rates after the promotional period ends.

Knowing your credit score makes it easier to choose credit card offers for which you're most likely to be approved. Before applying for a new card, review your credit report and credit score to see where you stand. If necessary, consider improving your score prior to applying for intro 0% APR credit cards.

An intro 0% APR credit card can be used to:

Finance a big purchase: Preparing to do your holiday shopping, plan for a big vacation or buy new furniture? Use a card offering an intro 0% APR on purchases and you can pay off the purchase over the promotional period without any interest.
Pay down credit card debt: Move high-interest credit card balances to a card with an intro 0% APR balance transfer offer. Pay off the transferred balance before the end of the introductory period to avoid additional interest charges.
Consolidate credit card balances. When you've got balances on several credit cards, it's easy to miss a payment date, which can lower your credit score. Streamline your finances by transferring all the balances onto an intro 0% APR balance transfer card, and you'll only have one payment to remember.

To get the most from your introductory 0% APR credit card:

Automate monthly payments. Some card issuers prematurely end your introductory 0% APR period if you miss a payment. Automating payments can ensure you're never late.
Pay more than the minimum due. Paying more helps you pay down your balance faster.
Keep credit card spending within your budget. An introductory 0% APR card can tempt you to overspend, especially if it has other perks like an introductory cash back bonus. To avoid building up a balance, set a budget for your card spending.
Pay off your balance before the intro period ends. Whether it's a big purchase or a balance transfer, paying off the balance before the promotional period expires is key to getting the most from your new card. Budget for this by dividing your balance by the number of months in the introductory period. Then commit to paying that amount each month, just like your rent or car payment.
After transferring a balance, keep old credit card accounts open. Even if you don't plan to use the older card, having a card with a zero balance can reduce your overall credit utilization, potentially boosting your credit score. Closing the original card also shortens the average age of your credit accounts, which may hurt your credit score. Just be sure to resist the urge to take on additional debt.

You can avoid paying interest on your credit card by using an intro 0% APR credit card and paying off your balance within the intro period. The simplest way to avoid paying credit card interest is to pay your statement balance in full and on time every month. You can automate this by signing up for autopay and selecting your statement balance. Payment history is the most important factor of your credit score, so it's key to always pay on time.

It is very unlikely that you can request a 0% APR rate on a credit card you currently have. If your current interest rate is too high, consider contacting your credit card issuer to negotiate a lower rate. Otherwise, consider applying for one of the intro 0% APR cards on this list.

Credit card interest rates fluctuate for a variety of reasons; some in your control and some outside of your control.

If the Fed changes its benchmark rate, also known as the prime rate, and you have a variable-rate credit card, your interest rate will change in the same direction the Fed rate changes. For example, a rise in the prime rate will likely cause your credit card APR to increase.

If you're more than 60 days late on a payment, your interest rate can spike with a costly penalty APR. This new rate can apply to existing balances and new transactions until you make six monthly payments on time.

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Best 0% intro APR credit cards of 2025

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All 0% intro APR credit cards

49 partner offers

Annual fee

Intro 0% APR period

Balance transfer fee

Credit limit

How to find the best intro 0% APR credit card

Find out your FICO® Score

Know the length of the offer

Check the after-intro APR

Compare fees

Frequently asked questions

What is an intro 0% APR credit card?

What is the longest 0% APR period I can get on a credit card?

What credit score do you need for an intro 0% APR card?

When to use an intro 0% APR card

How to get the most benefit from an intro 0% APR card

How can I avoid paying credit card interest?

Can I request 0% APR on any credit card?

What determines the APR on a credit card?

Learn more about credit cards

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