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The Best 0% APR Credit Cards 2022: Compare Rates

We compare the best 0% APR credit cards to help you save on interest payments. With Financer.com you can:

  • Compare credit cards with 0% APR
  • Review credit card rates and rewards
  • Find the best credit card based on your needs
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Compare the Best 0% APR and Low Interest Credit Cards

Chase Freedom Unlimited®
  • $200 bonus plus 5% cash back
  • 0% intro APR for 15 months
  • Annual fee $0
Chase Freedom Unlimited®
N/A
Based on 0 reviews
Wells Fargo Active Cash℠ Card
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
  • 14.99% - 24.99% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Wells Fargo Active Cash℠ Card
N/A
Based on 0 reviews
BankAmericard® Credit Card
  • 0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening
  • 12.99% - 22.99% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
BankAmericard® Credit Card
N/A
Based on 0 reviews
Citi® Diamond Preferred® Card
  • 0% intro APR on Purchases and Balance Transfers for 18 months
  • 13.74% - 23.74% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Citi® Diamond Preferred® Card
N/A
Based on 0 reviews
U.S. Bank Visa® Platinum Card
  • 14.49% - 24.49% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
U.S. Bank Visa® Platinum Card
N/A
Based on 0 reviews
Citi Simplicity® Card
  • 0% intro APR on Purchases and Balance Transfers for 18 months
  • 14.74% - 24.74% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Citi Simplicity® Card
N/A
Based on 0 reviews
Citi Custom Cash℠ Card
  • 0% intro APR on Purchases and Balance Transfers for 15 months
  • 13.99% - 23.99% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Citi Custom Cash℠ Card
N/A
Based on 0 reviews
Discover it® Cash Back
  • 0% intro APR for 14 months on purchases and balance transfers
  • 11.99% - 22.99% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Discover it® Cash Back
N/A
Based on 0 reviews
Wells Fargo Platinum Card
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers
  • 16.49% - 24.49% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Wells Fargo Platinum Card
N/A
Based on 0 reviews
Bank of America® Unlimited Cash Rewards Card
  • 0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening
  • 13.99% - 23.99% Variable APR
  • $0 annual fee
  • Recommended credit score 690-850
Bank of America® Unlimited Cash Rewards Card
N/A
Based on 0 reviews

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

How to Find the Best 0% APR Credit Cards

How to Find the Best 0% APR Credit Cards
1
Compare available options
Compare credit cards based on your specific criteria
2
Choose an offer
Find the best credit card rates for your needs
3
Apply online
Click Get Started to fill in your credit card application.

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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. 

Why Compare Credit Cards At Financer.com?

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Completely Free Comparison
Instant Results Without Credit Check
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 Find The Best Rated 0 APR Credit Cards
Find The Best Rated 0 APR Credit Cards
Read Genuine Customer Reviews
Read Genuine Customer Reviews
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The Best 0% Intro APR Credit Cards: May 2022

Company Best For Credit Score Annual Fee Welcome Bonus
Best Overall Excellent, Good $0 $200
Financing Large Purchases Excellent, Good $0 N/A
Balance Tranfer Window Excellent, Good $0 N/A
Flexible Rewards Excellent, Good $0 $200
Rotating Categories Excellent, Good $0 Cashback Match™
Welcome Bonus Excellent, Good $0 Cashback Match™
Low Ongoing Interest Excellent, Good $0 N/A
Cell Phone Insurance Excellent, Good $0 N/A
Late Payment Forgiveness Excellent, Good $0 N/A
Company Overall Rating Best For Credit Score Annual Fee Welcome Bonus Get Started
Best Overall Excellent, Good $0 $200
Financing Large Purchases Excellent, Good $0 N/A
Balance Tranfer Window Excellent, Good $0 N/A
Flexible Rewards Excellent, Good $0 $200
Rotating Categories Excellent, Good $0 Cashback Match™
Welcome Bonus Excellent, Good $0 Cashback Match™
Low Ongoing Interest Excellent, Good $0 N/A
Cell Phone Insurance Excellent, Good $0 N/A
Late Payment Forgiveness Excellent, Good $0 N/A

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.

Have Questions About 0% Credit Cards? Find the Answers Here.

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.

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