Credit cards by goal
Best 0% APR credit cards
A 0% APR card charges no interest for a set number of months. That gives you time to pay off a big purchase without interest.
The offer ends on a fixed date. After that, the regular APR applies to whatever you still owe, and that rate is often above 20%.
Work out the monthly payment that clears the balance before the intro period ends. Then pick the card with enough months to fit that plan.
We list 5 cards here. 5 have no annual fee. The largest welcome bonus we track is $200 on the Discover It Cash Back. The longest 0% period is 21 months on the Diamond Preferred Card.
A card is listed here when it has a 0% intro period of at least one month. Sorted by longest 0% period first. Facts match the main cards page.
- DI
Annual fee$0Purchase APR18%+Rewards rate1%0% intro15 months - CI
Annual fee$0Purchase APR16%+Rewards rateVaries0% intro21 months - WF
Annual fee$0Purchase APR17%+Rewards rateVaries0% intro21 months - CI
Annual fee$0Purchase APR18%+Rewards rateVaries0% intro18 months - US
Annual fee$0Purchase APR10%+Rewards rateVaries0% intro15 months
Common questions
- What happens when the 0% period ends?
- The regular purchase APR starts on any balance left. Some cards also charge interest back to day one if you miss the deadline, so read the terms.
- Is a 0% purchase card the same as a balance transfer card?
- No. A purchase offer covers new buying. A balance transfer offer covers debt you move from another card, and it often has a fee.
Card terms come from each issuer and can change. Check the issuer page before you apply. SwitchWize may earn a fee if you apply through a link marked as an offer.