The Best 0% APR Credit Cards 2022: Compare Rates

How to Find the Best 0% APR Credit Cards Compare available options Compare credit cards based on your specific criteria Choose an offer Find the best credit card rates for your needs Apply online Click Get Started to fill in your credit card application. How to Avoid Paying Credit Card Interest Most popular credit cards come with a 'grace period' that allows you to pay no interest at all. If you pay your entire credit card balance every month, you won't pay any interest on purchases made. If you only pay the minimum due, your purchases will start accruing interest. If you are a 'transactor', meaning someone who uses a credit card for its convenience and rewards and pays off the balance in full every month, the APR will be irrelevant because you'll never pay interest. Who Should Get a 0% APR Credit Card? Generally, if you want to try and avoid paying interest on credit cards, applying for a 0 percent intro APR cards can be a good choice. Consider a 0% APR credit card if you fall into one of these categories: Planning a Large Expense You may need to replace your broken appliances or outdated technology. You might also need to cover a medical bill or purchase something out of pocket. Whatever the reason, you’re going to get a break on interest payments when you apply for a credit card with a zero percent intro APR. It will buy you some time to pay off these purchases during the introductory period without any interest. Manage Your Debt If you're looking to switch your current credit card balance to a 0% APR offer, there are several factors to consider before making the move. First, check out the terms and conditions of the offer. Some cards may charge a fee for transferring balances, while others will waive the fee entirely. If you're planning on using the card for purchases, you'll also need to factor in whether the card offers rewards programs that could offset the cost of the transfer. Finally, if you plan on keeping the card after the balance transfer period ends, you'll need to ensure the card doesn't carry an annual fee. If You're New to Credit Cards A 0% APR card offers a buffer while you get up to speed with your finances. You’ll have some wiggle room within the introductory APR period, and you may be eligible for zero interest if you spend within the limits of your budget. (Note: If carrying a balance is an issue, consider a lower rate card.) How to Pick the Best 0% Credit Card Look for a longer APR offer . Make sure that the credit card offer you are considering is long enough so you can pay off your debt without any interest. Compare fees . If you can pay off your debt in a short period of time, consider a 0% APR credit card that doesn't charge a balance transfer fee. Choose your perks . Determine if you are interested in any other credit card perks, like cash back rewards or a free FICO credit score on your monthly statement. Look at the ongoing variable APR . Balance transfer cards have perks, but your card's APR will eventually go back to the regular variable APR. What Happens After the 0% Intro Period? There is a time limit on a 0% intro APR offer. When you are approved for a credit card, your ongoing interest rate and your credit limit are set. Your credit card issuer chooses this based on your credit profile, your payment history, and other important information. So the higher your credit score and the lower your credit usage, the lower your interest rate. What does 0 APR mean? As an example, if you have a credit card with a 0% introductory APR for 15 months, it means that you won't pay any interest on purchases made for the first 15 months you have your card. Once this period runs out, you will be charged the ongoing APR going forward. Make sure that you pay your bill in full every month during the 0% intro APR period as late payments may cancel your 0 APR rate and move you to the ongoing APR rate. Does my credit score affect my credit card rate? The interest rate you pay on your card is heavily dependent on your credit history , which is reflected in your credit score. If you have a lower credit score, you may see higher interest rates as lenders see you as a higher risk. Borrowers with excellent credit histories are at lower risk and may see favorable interest rates from lenders. What is an intro APR? An introductory APR is given by credit card companies as a promotional offer to encourage new customers to sign up for a card. An intro APR is either very low or set at zero for a limited period of time. When the intro offer expires, the card will revert to the standard APR. What is the difference between intro purchase 0% APR and balance transfer 0% intro APR? There are generally two types of zero percent credit card offers: purchases and balance transfers. A 0% introductory APR on purchases means that you won't pay any interest on purchases made during that period. This is a good option to consider when making a larger purchase.A balance transfer 0% intro APR means that you won't pay any interest on a balance you transfer from another card. This gives you more time to pay off your debt without interest. How do I compare 0% APR credit cards with Financer.com? Use our credit card comparison at the top of this page to compare the best 0 % APR credit cards from verified lenders. We've listed the best credit cards that offer at least a 15-month 0 APR period to help you save and get the best rates. Once you find an offer that suits your needs, click on 'Get Started' to apply online. Why should I use a 0 intro APR balance transfer? If you transfer one credit card balance to another, having a 0% intro APR balance transfer offer has its benefits. It means you won't pay any interest on the transferred amount for the promotional period, which is usually at least 12 to 15 months. Some credit cards offer promotional periods of up to 21 months. Since there is no charge, your entire monthly payment goes toward reducing the balance. Can I request a 0% APR on my credit card? It's not common for card issuers to cut your current credit card APR to 0 percent. However, many cardholders can negotiate a lower rate by contacting their card issuer and requesting a reduction. This will be assessed on a case by case basis but it's easier to achieve this if you've been making regular payments as a long-time customer. What is the credit card with the longest 0% APR? The Wells Fargo Reflect Card has one of the longest 0% APR offers, ranging up to 21 months, plus an additional three months if you make on-time payments during this intro period. Another card offering a long zero APR period is the Citi Diamond Preferred Card, with 21 months. How is the APR on credit cards detrmined? There are a number of factors that determine the credit card APR including lending standards of the bank or regulator. As a result of recent interest rate hikes by the Federal Reserve, you should see a slight increase in rates for most credit cards. But it's possible to get a low APR on your card if you focus on your credit score.

The Best 0% APR Credit Cards 2022: Compare Rates

Compare the Best 0% APR and Low Interest Credit Cards

PenFed Gold Visa® Card

PenFed Power Cash Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card

PenFed Pathfinder® Rewards Visa Signature® Card

Chase Freedom Unlimited®

Wells Fargo Active Cash℠ Card

BankAmericard® Credit Card

Citi® Diamond Preferred® Card

U.S. Bank Visa® Platinum Card

Citi Simplicity® Card

Citi Custom Cash℠ Card

Discover it® Cash Back

Wells Fargo Platinum Card

You’re our first priority.

The Best 0% APR Credit Cards 2022: Compare Rates

Compare the Best 0% APR and Low Interest Credit Cards

PenFed Gold Visa® Card

PenFed Power Cash Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card

PenFed Pathfinder® Rewards Visa Signature® Card

Chase Freedom Unlimited®

Wells Fargo Active Cash℠ Card

BankAmericard® Credit Card

Citi® Diamond Preferred® Card

U.S. Bank Visa® Platinum Card

Citi Simplicity® Card

Citi Custom Cash℠ Card

Discover it® Cash Back

Wells Fargo Platinum Card