What is a 0% APR credit card?

Some credit cards offer an introductory period during which no interest is charged on purchases. This period typically ranges from 12 to 18 months, providing an opportunity for interest-free financing.

Should I pay off a 0% intro APR credit card?

Yes, you need to pay off your 0 interest credit card before the 0% intro offer ends. During the introductory period, you typically need to make the minimum payment on the card, if not more, to avoid losing your intro 0% APR. You should make a plan to pay off your entire balance before the intro period ends to avoid paying interest on your remaining balance.

How do I get a card with 0% interest?

You can get a zero interest credit card by applying online. You can also check with your bank in person to see if it offers any 0% intro APR cards that appeal to you. Most cards with intro APR offers require you to have at least a good credit score, which means a FICO score of 670 or higher.

How can I use a 0% intro APR credit card to save money?

You can save money with a 0% intro APR credit card by making large purchases and paying them off over time without incurring interest charges. Additionally, you can transfer existing high-interest debt to the 0% intro APR card to reduce interest payments and pay down debt faster.

Can I earn rewards on a 0% APR credit card?

Yes, you can earn rewards on many 0% intro APR credit cards such as the Chase Freedom Unlimited®, the Capital One Savor Cash Rewards Credit Card, and the Discover it® Cash Back.

Best Zero Interest Credit Cards: Top 0% APR Offers for June 2025

Woman sits in front of her laptop making a purchase with one of the best 0% intro APR credit cards of 2025 — Business Insider compares the best 0% intro APR credit cards of 2025. Getty Images

Updated 2025-05-01T02:33:32.402Z

Getting a credit card with an initial period of zero interest can help you save money when you need to carry a balance.

Business Insider compiled this guide to the best 0% intro APR credit cards by analyzing nationally available credit cards with zero interest offers, prioritizing those with the longest periods of no interest on new purchases.

None of our 0% intro interest credit card recommendations charge annual fees, which helps you keep costs low while you pay off what you owe. Just remember: You're on the hook for the full balance when the zero interest period ends, so start saving well in advance for that final payment.

These are the best credit cards you can get right now for zero interest starting out.

Best Zero Interest Credit Cards of June 2025

Best For	Card	Annual Fee
Best for long 0% APR	U.S. Bank Shield™ Visa® Card	$0
Best for custom bonuses	Citi Custom Cash℠ Card	$0
cell phone protection benefits if that phone is stolen or damaged due to eligible causes. Best Zero Interest Credit Card for Balance Transfers Best zero interest credit card for balance transfers Wells Fargo Reflect® Card Read Review Insider’s Rating 3.5/5 Perks 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR Annual Fee $0 Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days Regular APR 17.24%, 23.74%, or 28.99% Variable Intro Offer N/A Recommended Credit Good to Excellent Pros Extra-long intro APR on purchases and qualifying balance transfers No annual fee Cell phone protection Cons No rewards Foreign transaction fees Insider’s Take If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too. Wells Fargo Reflect Card review Product Details Apply Now to take advantage of this offer and learn more about product features, terms and conditions. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5. $0 annual fee. Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card. Show Pros, Cons, and More The no-annual-fee Wells Fargo Reflect® Card is great for paying off new expenses and old debt at the same time. New cardholders get 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then 17.24%, 23.74%, or 28.99% Variable APR). The card offers a modest array of benefits, including cell phone protection and roadside dispatch, but doesn't earn any rewards. So if rewards are important to you, you might be better off with other cards that offer slightly shorter zero-interest periods while still earning rewards. Best Zero Interest Credit Card for Reward Maximizers Best zero interest credit card for reward maximizers Discover it® Cash Back Read Review Insider’s Rating 3.8/5 Perks Earn 5% cash back on purchases from rotating categories each quarter up to $1,500 when you activate. Plus, earn unlimited 1% cash back on all other purchases. Annual Fee $0 Intro APR 0% intro APR for 15 months on purchases and balance transfers Regular APR 18.24% - 27.24% Variable APR Intro Offer Earn Unlimited Cashback Match® Recommended Credit Good to Excellent Pros From April 1, 2025 to June 30, 2025, earn 5% cash back at Grocery Stores and Wholesale Clubs on up to $1,500 in purchases after enrollment, then 1% Discover will match your cash back earned at the end of your first account year No annual fee Cons Cap on how much bonus cash back you can earn each quarter If the quarterly categories aren't convenient for you, you can earn more cash back with a different card Insider’s Take The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories each quarter up to a spending limit when activated. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee. Discover it® Cash Back review Product Details Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases. Redeem your rewards for cash at any time. Apply and you could get a decision in as little as 60 seconds. No annual fee. Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free. Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness. Terms and conditions apply. Show Pros, Cons, and More The Discover it® Cash Back is the best zero interest credit card for people who don't mind doing extra legwork to maximize rewards. Cardholders 5% cash back on purchases from rotating categories each quarter up to $1,500 when you activate and unlimited 1% cash back on all other purchases. Our Discover cash back calendar tracks bonus categories (from April 1 to June 30, 2025, earn 5% cash back at grocery stores and wholesale clubs on up to $1,500 in purchases after enrollment, then 1%). You'll have to activate this promotion each quarter to earn 5% rewards. First-year cardholders can match their rewards through Discover Cashback Match®: Discover will automatically match all the cash back earned at the end of new card members' first year. This $0-annual-fee card offers 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR. Best Zero Interest Credit Card for Travelers Best zero interest credit card for travelers Chase Freedom Unlimited® Read Review Insider’s Rating 4.35/5 Perks Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Annual Fee $0 Intro APR 0% intro APR on purchases and balance transfers for the first 15 months Regular APR 18.99% - 28.49% Variable Intro Offer Earn a $200 bonus Recommended Credit Good to Excellent Pros Solid flat cash-back rate You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card No annual fee Cons Some other cards offer a higher rate of cash back on certain types of purchases Insider’s Take The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®. Chase Freedom Unlimited review Product Details Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%. No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more. Member FDIC Show Pros, Cons, and More The Chase Freedom Unlimited® is a no-brainer for travelers who want to earn rewards on travel expenses and pay down their balance over time without interest. Customers earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. New cardholders get 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 18.99% - 28.49% Variable APR. You can also earn a $200 bonus after you spend $500 on purchases in the first three months from account opening — a generous offer for such low spending. Rewards are earned as Chase Travel℠ portal. Best Zero Interest Credit Card for Families Best zero interest credit card for families Blue Cash Everyday® Card from American Express Read Review Insider’s Rating 3.5/5 Perks Earn 3% cash back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases (on up to $6,000 per category per year, then 1%). Earn 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Annual Fee $0 Intro APR 0% intro APR on purchases and balance transfers for 15 months from account opening Regular APR 20.24% - 29.24% Variable Intro Offer Earn a $200 statement credit Recommended Credit Good to Excellent Pros Good bonus cash-back rate at U.S supermarkets No annual fee. Cons If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap. Insider’s Take The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories. Amex Blue Cash Everyday Card review Product Details Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. No Annual Fee. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required. Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted. Terms Apply. Show Pros, Cons, and More The Amex Blue Cash Everyday Card is great for families who spend a lot on gas, groceries, and online shopping. It has a $0 annual fee (rates and fees). Cardholders earn 3% cash back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases (on up to $6,000 per category per year, then 1%) and 1% cash back on other purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). New cardholders get a generous introductory period of zero interest: 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 20.24% - 29.24% Variable APR (rates and fees). Best Zero Interest Credit Card for Experiences Check out the Capital One Savor Cash Rewards Credit Card if you want to earn cash back on restaurants, travel, and concert tickets while avoiding credit card interest. Cardholders earn 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and 1% cash back on all other purchases. New cardholders also get 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.24% - 29.24% Variable APR. Finally, this card has an easy welcome offer: $200 cash back after you spend $500 on purchases within three months from account opening. Best Zero Interest Credit Card for Custom Bonus Categories The Citi Custom Cash℠ Card is a great choice for people whose spending habits change from month to month. It earns 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500, then 1%), 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025, and 1% cash back on all other purchases. Qualifying bonus categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. New cardholders get a 0% intro APR on balance transfers and purchases for 15 months, followed by a 18.24% - 28.24% Variable APR. You can also earn a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. Learn more in our Citi Custom Cash card review. Best Zero Interest Credit Card for Simple Rewards The Capital One Quicksilver Cash Rewards Credit Card is great for people who value the simplicity of Capital One rewards while paying down large purchases without incurring additional interest. This $0-annual-fee card earns 5% cash back on hotels and rental cars booked through Capital One Travel and unlimited 1.5% cash back on other purchases. Like many other cards on this list, new cardholders get 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.24% - 29.24% Variable APR. There's also an easy-to-earn welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. Best Zero Interest Credit Card for Cash Rewards Best zero interest credit card for cash rewards Wells Fargo Active Cash® Card Read Review Insider’s Rating 4.3/5 Perks Earn unlimited 2% cash rewards on purchases. Annual Fee $0 Intro APR 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening Regular APR 19.24%, 24.24%, or 29.24% variable Intro Offer Earn $200 cash rewards bonus Recommended Credit Good to Excellent Pros Good welcome bonus for a $0 annual fee card Straightforward 2% cash rewards on purchases with no categories to track Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers Cons If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card Foreign transaction fees Insider’s Take The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of best credit cards with an introductory zero-interest offer. Wells Fargo Active Cash Card review Product Details Apply Now to take advantage of this offer and learn more about product features, terms and conditions. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Earn unlimited 2% cash rewards on purchases. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5. $0 annual fee. No categories to track or remember and cash rewards don't expire as long as your account remains open. Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge. Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. Show Pros, Cons, and More The Wells Fargo Active Cash® Card is an excellent choice for people who value flat-rate cash rewards with no bonus categories to track. Cardholders earn unlimited 2% cash rewards on purchases. New cardholders get an 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, followed by a 19.24%, 24.24%, or 29.24% variable APR. They can also earn $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. Wells Fargo Active Cash® Card offers several good benefits including cell phone protection with a deductible. However, this card charges how we rate credit cards. FAQs What is a 0% APR credit card? Some credit cards offer an introductory period during which no interest is charged on purchases. This period typically ranges from 12 to 18 months, providing an opportunity for interest-free financing. Should I pay off a 0% intro APR credit card? Yes, you need to pay off your 0 interest credit card before the 0% intro offer ends. During the introductory period, you typically need to make the minimum payment on the card, if not more, to avoid losing your intro 0% APR. You should make a plan to pay off your entire balance before the intro period ends to avoid paying interest on your remaining balance. How do I get a card with 0% interest? You can get a zero interest credit card by applying online. You can also check with your bank in person to see if it offers any 0% intro APR cards that appeal to you. Most cards with intro APR offers require you to have at least a good credit score, which means a FICO score of 670 or higher. How can I use a 0% intro APR credit card to save money? You can save money with a 0% intro APR credit card by making large purchases and paying them off over time without incurring interest charges. Additionally, you can transfer existing high-interest debt to the 0% intro APR card to reduce interest payments and pay down debt faster. Can I earn rewards on a 0% APR credit card? Yes, you can earn rewards on many 0% intro APR credit cards such as the Chase Freedom Unlimited®, the Capital One Savor Cash Rewards Credit Card, and the Discover it® Cash Back. Angela Fung Affiliate Compliance and Operations Manager Angela Fung is the compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for over four years. ExperienceAngela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external financial partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s editorial standards so they can maintain editorial independence. Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.ExpertiseAngela has expertise in and oversees compliance in the following areas of personal finance: Personal credit cards Business credit cards High-yield savings accounts CDs She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include: Regulation Z, Truth in Lending Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP) Regulation N, Mortgage Acts and Practices Advertising Rule Endorsement Guidelines EducationAngela graduated from the University of Chicago with a bachelor’s degree in neuroscience. In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis. Read more Read less Katherine Fan Correspondent, Credit Cards Katherine Fan was a personal finance expert, journalist, and public speaker with 10 years of industry experience. She covered all things credit cards for Business Insider's personal finance hub.ExperienceKatherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. She wrote full-time for The Points Guy and NerdWallet before joining Business Insider. Read more Read less The information for the following product(s) has been collected independently by Business Insider: Citi Custom Cash℠ Card, U.S. Bank Shield™ Visa® Card. The details for these products have not been reviewed or provided by the issuer. ***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application. For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. Top Offers From Our Partners Loading... 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Best Zero Interest Credit Cards: Top 0% APR Offers of June 2025

Best Zero Interest Credit Cards of June 2025

Best Zero Interest Credit Card for Balance Transfers

Best Zero Interest Credit Card for Reward Maximizers

Best Zero Interest Credit Card for Travelers

Best Zero Interest Credit Card for Families

Best Zero Interest Credit Card for Experiences

Best Zero Interest Credit Card for Custom Bonus Categories

Best Zero Interest Credit Card for Simple Rewards

Best Zero Interest Credit Card for Cash Rewards

FAQs

What is a 0% APR credit card?

Should I pay off a 0% intro APR credit card?

How do I get a card with 0% interest?

How can I use a 0% intro APR credit card to save money?

Can I earn rewards on a 0% APR credit card?

Read next

Business Insider tells the innovative stories you want to know

Business Insider tells the innovative stories you want to know

Business Insider tells the innovative stories you want to know

Business Insider tells the innovative stories you want to know