Top 0% APR Credit Cards for August 2024
At BeRichFinance, we understand the importance of finding the right credit card to suit your financial needs. This August, we’ve put together a detailed list of the top 0% APR credit cards. These cards offer extended introductory periods with no interest, perfect for balance transfers and significant purchases. Here’s our full list of editorial picks for the best 0% APR credit cards.
Top 10 Credit Cards with 0% APR from Our Partners
Credit card
Annual fee
Intro offer
Apply now
Earn an extra 1.5% cash back on every purchase during your first year, up to $20,000 in spending—allowing you to earn up to $300 in cash back!
Cash Back Rewards Details:
- 6.5% cash back on travel booked through Chase Travel℠, where you can redeem for cash back, travel, gift cards, and more.
- Receive 4.5% cash back on drugstore purchases and dining, including takeout and eligible delivery services.
- Receive 3% cash back on other purchases, up to $20,000 in the first year.
After the First Year or Reaching $20,000 Spend:
- Get 5% cash back on travel bought through Chase Travel℠.
- 3% cash back on drugstore spending and dining, including takeout and eligible delivery services.
- Get Unlimited 1.5% cash back on all other purchases.
Flexible Cash Back Redemption:
Redeem your cash back with no minimum required. You can opt for a statement credit or direct deposit into most U.S. checking and savings accounts. As long as your account is open, your Cash Back rewards won’t expire!
0% Intro APR Offer:
Take advantage of 0% Intro APR for 15 months on purchases and balance transfers from the first day your account is opened. After this period, a variable APR of 20.49% – 29.24% applies.
No Annual Fee:
Enjoy all the benefits of your Freedom Unlimited® card with no annual fee.
Monitor Your Credit Health:
Track your credit score and receive alerts with Chase Credit Journey, offering free access to your latest score and more.
Member FDIC:
Chase is a Member FDIC, providing protection for your funds.
Pros:
- No annual fee
- Introductory APR period
- High rewards rate
- No minimum redemption threshold
Cons:
- Requires good to excellent credit
- Spend $500 and get $200 bonus on purchases within the first 3 months.
- Receive unlimited 2% cash back on all purchases.
- 0% intro APR for 15 months on purchases & qualifying balance transfers from account opening. After this period, a variable APR of 20.24%, 25.24%, or 29.99% applies. Balance transfers made within the first 120 days are eligible for the introductory rate with a fee of 3%, after which a balance transfer fee of up to 5% (minimum $5) applies.
- No annual fee.
- No need to track categories or remember spending limits; cash rewards do not expire as long as your account is open.
- Access top sports and entertainment events, book travel, make dining reservations, and more with your complimentary 24/7 Visa Signature® Concierge.
- Enjoy up to $600 in mobile phone protection against damaging or theft, subject to a $25 deductible.
Pros:
- High rewards rate
- No annual fee
- Introductory APR period
Cons:
- No bonus categories
Welcome Offer: Get $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 in the first 3 months—equivalent to $1,000 in travel.
Unlimited Miles: Earn 2X miles on every purchase, every day.
Travel Bonus: Earn 5X miles on hotels and rental cars booked through Capital One Travel, offering the best prices on thousands of options.
No Expiration: Miles never expire as long as your account is open, with no limit on how many you can earn.
Travel Credits: Receive up to $100 credit for Global Entry or TSA PreCheck®.
Flexible Redemption: Use miles to cover any travel purchase or book trips through Capital One Travel.
Hotel Perks: Enjoy benefits like a $50 experience credit and room upgrades with the Lifestyle Collection.
Transfer Options: Transfer your miles to more than 15 travel loyalty programs for added flexibility.
Advantages:
- High rewards rate
- Flexible redemption options for rewards
Disadvantages:
- Annual fee required
- Requires good to excellent credit
Exclusive Offer: Click “Apply Now” to access this special offer and discover all product features, terms, and conditions.
Bonus Points: Get 20,000 bonus points by spending $1,000 within the first 3 months, worth $200 in cash redemption.
Earning Points: Earn unlimited 3X points on dining, travel, gas, transit, popular streaming services, and phone plans. Get 1X points on all other purchases.
No Annual Fee: Enjoy all these benefits with no annual fee.
Introductory APR: Benefit from a 0% introductory APR on purchases for the first 12 months. After that, the variable APR will be 20.24%, 25.24%, or 29.99%.
Phone Protection: Receive up to $600 in cell phone protection against damage or theft, with a $25 deductible.
Flexible Redemption: Use your points for travel, gift cards, statement credits, or shop online and redeem them with PayPal.
Concierge Service: Access 24/7 Visa Signature® Concierge to book tickets, travel, dinner reservations, and more.
Pros:
- No annual fee
- Generous bonus categories
- Unlimited rewards
- Cell phone insurance
- Attractive new cardholder bonus
Cons:
- No free checked bags
- No complimentary anniversary night
- Lacks luxury perks
- Requires good to excellent credit
BankAmericard® credit card
$0
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
0% Introductory APR: Enjoy a 0% introductory APR on purchases and balance transfers made within the first 60 days for 18 billing cycles. After this period, a variable APR ranging from 16.24% to 26.24% will apply.
Balance Transfer Fee: A 3% fee applies to balance transfers made during the first 60 days. After this, the fee increases to 4%.
No Annual Fee: There is no annual fee for this card.
No Penalty APR: Late payments won’t result in a higher APR. Other account terms and pricing may apply.
Free FICO® Score Access: View your FICO® Score at no cost through Online Banking or the Mobile Banking app.
Contactless Payments: Get the convenience of contactless payments combined with the security of a chip card.
Exclusive Online Offer: This offer is available only online. It may not be accessible if you navigate away from this page or visit a Bank of America branch. Apply now to receive this offer.
Pros:
- No annual fee
- 0% introductory APR period
Cons:
- Requires good to excellent credit
- No ongoing rewards
Wells Fargo Reflect® Card
$0
Enjoy 0% introductory APR for 21 months on purchases and qualifying balance transfers from the date of account opening.
- Apply Now: Click “Apply Now” to explore this offer and review product features, terms, and conditions.
- Introductory APR: Enjoy 0% APR on purchases and eligible balance transfers for 21 months from account opening. After this period, a variable APR of 18.24%, 24.74%, or 29.99% will apply. Balance transfers made within 120 days qualify for the introductory rate, with a 5% fee (minimum $5).
- Annual Fee: $0
- Cell Phone Protection: Get up to $600 in coverage for cell phone damage or theft, with a $25 deductible.
- Personalized Deals: Access exclusive offers through My Wells Fargo Deals. Earn cash back as an account credit on shopping, dining, and other experiences by using your eligible Wells Fargo credit card.
-
No annual fee
-
Intro APR period
-
No rewards
U.S. Bank Visa® Platinum Card
$0
Receive 0% intro APR for 18 billing cycles on purchases and balance transfers.
- 0% Intro APR on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR of 18.74% – 29.74% will apply.
- Up to $600 protection on your cell phone (subject to a $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No annual fee.
- Terms and conditions apply.
Pros
- No annual fee
- Extended Intro APR period
- Cell phone protection plan
Cons
- No rewards program
- Requires good to excellent credit
- No sign-up bonus
Boost your rewards with Discover’s special offer! During your first year, Discover will automatically match all the cash back you earn—there’s no limit to how much you can earn or match. For example, if you earn $150 cash back, Discover will double it to $300!
Here’s what you get:
- 5% Cash Back: Earn 5% cash back on everyday purchases at various places each quarter, like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
- 1% Cash Back: Get unlimited 1% cash back on all other purchases automatically.
Easy Reward Redemption: Redeem your cash back for cash at any time.
Quick and Easy Application: Apply today and receive a decision in as little as 60 seconds.
Added Protection: Discover helps you safeguard your personal information by removing it from select people-search websites that might sell your data. This service is free when you activate it through the mobile app.
0% Introductory APR: Enjoy a 0% intro APR on purchases for the first 15 months. After that, a variable APR of 18.24% to 28.24% applies based on your creditworthiness.
No Annual Fee! Terms and conditions apply.
Pros:
- No annual fee
- Introductory APR period
- Bonus categories for extra rewards
- Cash back on all purchases
Cons:
- Reward structure can be complex
- Spending limits on bonus rewards
- Limited acceptance outside the U.S
Blue Cash Everyday® Card from American Express
$0
0% intro APR for 15 months on purchases and balance transfers
Earn a $200 Statement Credit
Receive a $200 statement credit after spending $2,000 on your new Card within the first 6 months.No Annual Fee
There’s no annual fee for this card.Balance Transfer Offer
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a variable APR of 19.24% to 29.99% applies.Cash Back at U.S. Supermarkets
Earn 3% Cash Back at U.S. supermarkets on up to $6,000 in purchases per year, then 1% after that.Cash Back on U.S. Online Retail Purchases
Earn 3% Cash Back on U.S. online retail purchases, up to $6,000 annually, then 1% thereafter.Cash Back at U.S. Gas Stations
Earn 3% Cash Back at U.S. gas stations on up to $6,000 per year, then 1% thereafter.Cash Back Redemption
Cash Back is received as Reward Dollars, which can be redeemed as a statement credit or at checkout on Amazon.com.Disney Bundle Offer
Thinking about getting the Disney Bundle, which includes Disney+, Hulu, and ESPN+? Get $7 back each month as a statement credit when you spend $9.99 or more monthly on an eligible subscription (subject to auto renewal) using your Blue Cash Everyday® Card. Enrollment required.Home Chef Offer
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.Terms and Conditions
Terms Apply.
Pros
- No annual fee
- Generous rewards rate
- Introductory APR period
- Multiple bonus categories
Cons
- Requires good to excellent credit
- Spending limits on bonus rewards
Bank of America® Customized Cash Rewards credit card
$0
0% introductory APR on purchases for 15 billing cycles and 0% introductory APR on balance transfers for 15 billing cycles, applicable to balance transfers made within the first 60 days.
Earn a $200 online cash rewards bonus after spending at least $1,000 within the first 90 days of account opening.
Get 3% cash back in a category of your choice, 2% cash back automatically at grocery stores and wholesale clubs (up to $2,500 in combined purchases each quarter for your chosen category, grocery stores, and wholesale clubs), and unlimited 1% cash back on all other purchases.
Choose 3% cash back on purchases in categories such as gas and EV charging stations, online shopping, cable, internet, phone plans, streaming services, dining, travel, drugstores, or home improvement and furnishings.
If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase, potentially earning 3.75%-5.25% cash back in your selected category.
No annual fee, and your cash rewards don’t expire as long as your account remains open.
Enjoy 0% Intro APR for 15 billing cycles on purchases, and on balance transfers made within the first 60 days. After the Intro APR period ends, a Variable APR of 19.24% to 29.24% will apply. A 3% Intro balance transfer fee applies during the first 60 days; after that, the fee is 4%.
Benefit from the security of a chip card with the convenience of contactless payments.
This online-only offer may not be available if you leave this page or visit a Bank of America financial center. Take advantage of this offer by applying now.
Pros
- No annual fee
- Bonus offer for new cardholders
- Rotating bonus categories
- Extra rewards for existing customers
- Introductory APR period
Cons
- Requires good to excellent credit
- Rewards structure can be complex
- Spending limits on bonus rewards
- Top rewards are reserved for certain customers
FULL LIST OF EDITORIAL PICKS: BEST 0% APR CREDIT CARDS
Wells Fargo Reflect® Card
Our recommendation for: Longest 0% intro period
The Wells Fargo Reflect® Card offers the longest 0% introductory APR period on purchases and qualifying balance transfers, providing ample time to pay off your debt without interest charges.
BankAmericard® credit card
Our recommendation for: Extended intro period + simple benefits
The BankAmericard® credit card features a lengthy 0% introductory APR period, along with straightforward benefits, making it a great choice for those seeking simplicity and value.
U.S. Bank Visa® Platinum Card
Our recommendation for: Extended intro period + low intro transfer fee
This card from U.S. Bank not only provides a lengthy 0% APR period but also comes with a low introductory balance transfer fee, perfect for those looking to consolidate debt affordably.
Chase Slate Edge℠
Our recommendation for: Extended intro period + interest-saving incentives
The Chase Slate Edge℠ card offers a generous 0% APR period along with incentives to help you save on interest, making it an excellent choice for budget-conscious consumers.
U.S. Bank Cash+® Visa Signature® Card
Our recommendation for: Maximum flexibility
The U.S. Bank Cash+® Visa Signature® Card allows you to customize your rewards categories, combined with a competitive 0% APR period, giving you control over how you earn and save.
Wells Fargo Active Cash® Card
Our recommendation for: Simple cash back
The Wells Fargo Active Cash® Card offers unlimited 2% cash back on purchases with no categories to track, along with a solid 0% introductory APR period, making it a straightforward option for cash back enthusiasts.
Chase Freedom Unlimited®
Our recommendation for: All-around cash back
Chase Freedom Unlimited® provides robust cash back rewards on all purchases, paired with a lengthy 0% introductory APR period, making it an all-around excellent choice for earning and saving.
Capital One SavorOne Cash Rewards Credit Card
Our recommendation for: Dining & entertainment
With rewards tailored for dining, entertainment, and grocery purchases, the Capital One SavorOne Cash Rewards Credit Card is perfect for those who enjoy both going out and staying in, all while benefiting from a 0% APR period.
Blue Cash Everyday® Card from American Express
Our recommendation for: Grocery, gas & online rewards
This card excels in everyday spending categories like groceries, gas, and online retail, combined with a generous 0% introductory APR period, making it ideal for household spending.
Bank of America® Unlimited Cash Rewards credit card
Our recommendation for: Simplicity + relationship rewards
This card provides unlimited 1.5% cash back on all purchases and potential for higher rewards if you have a banking relationship with Bank of America, along with a long 0% APR period.
Citi Custom Cash® Card
Our recommendation for: Flexible rewards
The Citi Custom Cash® Card adapts to your spending by offering 5% cash back on your top eligible spend category each billing cycle, plus a lengthy 0% APR period, making it a flexible rewards card.
Discover it® Cash Back
Our recommendation for: Rotating categories + matching bonus
The Discover it® Cash Back card offers 5% cash back on rotating categories each quarter, plus a dollar-for-dollar match of all cash back earned in the first year, alongside a solid 0% APR period.
What to Know About 0% APR Credit Cards
Credit card companies offer 0% APR promotions to attract new customers, encourage balance transfers, and increase card usage. These offers can help companies grow their customer base and drive long-term profitability.
What’s the Catch with a 0% APR Credit Card?
While 0% APR cards provide significant savings, it’s important to understand that the 0% rate is temporary. Once the introductory period ends, the regular APR applies, so it’s crucial to pay off your balance before this period expires to avoid interest charges.
Does the 0% APR Apply to Everything on the Card?
Typically, the 0% APR applies to purchases and balance transfers made within a certain timeframe. Be sure to read the terms and conditions to know exactly what transactions are eligible for the 0% APR and any associated fees.
Who Can Qualify for a 0% APR Credit Card?
Approval for a 0% APR credit card usually requires a good to excellent credit score. Lenders look for creditworthy individuals who are likely to repay their debts on time.
Tips for Choosing a 0% APR Credit Card
When selecting a card for a balance transfer, consider the length of the 0% APR period, the balance transfer fee, and the ongoing APR after the intro period ends. A card with a long 0% APR period and a low transfer fee can provide substantial savings.
Selecting a 0% APR Card for Purchases
For purchases, look for a card with a long 0% APR period on new purchases. Also, consider the rewards structure, sign-up bonus, and any additional perks like purchase protections or extended warranties.
Duration of 0% Intro APR Period
The length of the introductory APR period is a key factor. Longer periods give you more time to pay off your balance without accruing interest. Compare offers to find the card that best matches your financial plan.
Rewards Program and Sign-up Bonus
Some 0% APR cards also offer rewards on purchases and sign-up bonuses. Look for a card that aligns with your spending habits and provides value through cash back, points, or miles.
Purchase Protections and Benefits
Check if the card offers purchase protections, such as extended warranties, return protection, or price protection. These benefits can add extra value to your card.
Post-Introductory APR
After the introductory period, the regular APR will apply. Make sure you understand the ongoing APR and how it could impact your finances if you carry a balance.
Exploring Alternatives to 0% APR Credit Cards
If a 0% APR card isn’t right for you, consider other options like personal loans for debt consolidation, low-interest credit cards, or even budgeting strategies to manage expenses more effectively.
Frequently Asked Questions
Yes, many people use 0% APR cards for balance transfers to pay off high-interest debt. Ensure you understand any balance transfer fees and the duration of the 0% APR period.
If you don’t pay off your balance before the introductory period ends, you’ll be charged the regular APR on the remaining balance, which can result in significant interest charges.
Some 0% APR cards may have balance transfer fees, annual fees, or foreign transaction fees. Always read the terms and conditions to understand any potential costs.
While you can apply for multiple cards, be cautious about how it impacts your credit score. Multiple applications in a short period can lower your score and affect your ability to get approved.
Our Evaluation Process
Our selections for the best 0% APR credit cards are based on a comprehensive evaluation of the card’s introductory APR period, ongoing APR, balance transfer fees, rewards programs, and additional benefits. We consider consumer needs and financial habits to provide recommendations that offer the best value.