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Best 0% APR Credit Cards Of September 2024

Updated: Sep 1, 2024, 3:32pm

Discover the top picks for 0% APR credit cards that blend value, savings, and financial flexibility. Our expertly curated selection showcases the best cards offering 0% interest rates for introductory periods, making them ideal for large purchases or balance transfers. With these cards, enjoy the freedom of interest-free spending and the opportunity to manage your finances more efficiently. Each card is evaluated for its introductory period length, rewards, and additional benefits to ensure you get the most out of your credit experience.

Editorial Note: Our editors’ opinions and evaluations remain unaffected by the commissions we earn from partner links on Credit Propose.

Best 0% APR Credit Cards

Top The Best 0% APR Credit Cards Of 2024

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

Apply Now
On Citi’s secure website
U.S. Bank Visa® Platinum Card

Credit Propose

5.0

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

intro APR

0% Intro APR for 18 months on purchases and balance transfers

18 months

Annual Fee

$0

Regular APR

18.74% – 29.74%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

intro APR

0% Intro APR for 18 months on purchases and balance transfers

18 months

Annual Fee

$0

Regular APR

18.74% – 29.74%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% Intro APR for 18 months on purchases and balance transfers
  • Balance Transfer fee: 3% of each transfer amount, $5 minimum.
  • Pay over time with a U.S. Bank ExtendPay® Plan.
  • Autopay & due date choice
  • Cell phone protection -up to $600
  • ID Navigator Powered by NortonLifeLock™
  • 3%- Foreign Transaction fee
  • U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% 
  • No annual fee
  • The 0% introductory APR applies to purchases and is valid for the first 18 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to cash advances.
  • Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 18.74% – 29.74% based on your creditworthiness.
  • The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum.
  • Balance Transfer fee: 3% of each transfer amount, $5 minimum.
  •  Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. 
  •  U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan.
  • Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.
  • Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.
  • Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Wells Fargo Reflect® Card

Apply Now
On Wells Fargo’s secure website
Wells Fargo Reflect® Card

Credit Propose

5.0

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

None

N/A

Annual Fee

$0

Regular APR

18.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Credit Propose

5.0

Apply Now
On Wells Fargo’s secure website

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

18.24% – 24.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. 
  • Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
  • Transaction Fee- 5% for each balance transfer, with a minimum of $5.
  • Late Payment Up to $40
  • 0.00% intro APR for up to 21 months on purchases and qualifying balance transfers.
  • After that, your APR will be 18.24%, 24.74%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
  • APR for Cash Advances and Overdraft Protection Advances- 29.99%
  • No annual fee
  • Balance Transfers Fee- 5% for each balance transfer, with a minimum of $5.
  • Cash Advances Fee- Either $10 or 5% of the amount of each advance, whichever is greater.
  • Foreign Currency Conversion/Foreign Transaction Fee- 3% of each transaction converted to U.S. dollars.
  • Late Payment fee-Up to $40

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

Apply Now
On Citi’s secure website
Citi Double Cash® Card

Credit Propose

5.0

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months. 

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

Citi Double Cash® Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.
  • 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24
  • 0% Intro APR for 18 months on balance transfers only
  • 0% annual fee
  • $200 Cash Back- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening
  • 2% Cash Back- Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24.
  • Purchase Rate: 19.24% – 29.24% Variable APR, based on your creditworthiness.
  • Balance Transfer Fee: Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
  • Balance Transfers do not earn cash back.
  • The intro rate does not apply to purchases.

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Apply Now
On Citi’s secure website
Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn 3% cash back in the category of your choice — with newly-expanded options
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases and balance transfers
  • 3% Balance Transfer Fee
  • 3% Foreign Transaction Fee
  • Up to 40% Late Payment Fee
  • $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.
  • Earn 3% cash back in the category of your choice — with newly-expanded options: gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers.
  • No annual fee

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Apply Now
On Citi’s secure website
Citi Custom Cash℠ Card

Credit Propose

5.0

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum.
  • 1% unlimited cash back on all other purchases.
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Fee for foreign purchases — 3%
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
  • 1% unlimited cash back 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!
  • Introductory rate of 0% for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After the introductory period ends, a variable APR of 19.24% – 29.24%, based on your creditworthiness
  • No annual fee
  • Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater.

Best Rewards Credit Cards

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Apply Now
On Citi’s secure website
Ink Business Cash® Credit Card

Credit Propose

5.0

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Ink Business Cash® Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • $200 cash rewards bonus
  • 0.00% introductory APR for 15 months
  • $3%  balance transfer fee
  • Unlimited 2% cash rewards on purchases
  • 3% Foreign Transaction Fee
  • $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
  • Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24% – 29.99%.
  • No annual fee
  • 3% Foreign Transaction Fee