Best Rewards Credit Cards With a 0% APR Promotion


Whether you’re looking to finance new purchases or consolidate and pay off existing debt, credit cards with a 0% intro APR promotion period can help. And if you plan to keep the card beyond the promotion period, then you’ll also want to take note of any ongoing rewards or perks.

Here are some rewards credit cards that offer 0% APR promotions:

Discover it® Cash Back

APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR

Discover it® Cash Back
NerdWallet rating 
  • 5% cash back on up to $1,500 in quarterly spending in bonus categories that rotate (activation required; 1% back on everything else). Previous bonus categories have included things like grocery stores, restaurants and gas stations.

  • Sign-up bonus: 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.

With the 0% intro APR offer including both purchases and balance transfers, the Discover it® Cash Back offers flexibility for consumers looking to either consolidate debt or spread out the payment for new purchases without accruing interest, while also earning cash back. It’s worth noting that the rotating bonus categories can be more time-consuming to manage compared with a flat-rate rewards card.

Chase Freedom Unlimited®

Chase Freedom Unlimited Credit Card
NerdWallet rating 

APR: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR.

  • 5% cash back on travel purchased through Chase.

  • 3% back on drugstore purchases.

  • 1.5% on all other non-bonus-category purchases.

  • Sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

In addition to a lengthy 0% intro APR period on purchases and balance transfers, the Chase Freedom Unlimited® offers a solid 1.5% back on all non-bonus-category purchases. Together, those benefits make it a great choice for everyday purchases.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Credit Card
NerdWallet rating 

APR: 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.49%-29.74% Variable APR.

  • 5% cash back on two categories of your choice from a list of 12 each quarter (on up to $2,000 of spending).

  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.

  • 2% cash back on your choice of an everyday category, like gas stations or grocery stores.

  • 1% cash back on other purchases.

  • Sign-up bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

The 0% intro APR on balance transfers is useful for anyone who wants to consolidate credit card debt. The U.S. Bank Cash+® Visa Signature® Card is also a great option for people who enjoy actively optimizing their credit card rewards; you have choices to make each quarter to maximize your cash back.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
NerdWallet rating 

APR: Intro 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 19.24%-29.99% Variable APR Terms apply.

Annual fee: $0 intro annual fee for the first year, then $95. Terms apply.

  • 6% cash back at U.S. supermarkets on up to $6,000 a year in purchases (then 1%).

  • 6% back on select U.S. streaming subscriptions.

  • 3% back on transit, including gas.

  • 1% back on other purchases.

  • Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

With a 0% intro period on purchases as well as family-friendly rewards categories, it’s easy to see why Blue Cash Preferred® Card from American Express is a favorite choice for budget-conscious parents. While the card comes with a hefty annual fee, it pays for itself as long as you spend more than $31 a week on groceries. Terms apply.

Bank of America® Customized Cash Rewards credit card

APR: 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply.

Bank of America® Customized Cash Rewards credit card
NerdWallet rating 
  • 3% back on a category of your choice (options include gas stations/EV stations, online shopping, dining, travel, drugstores and home improvement/furnishings) and 2% back on grocery stores and wholesale clubs for the first $2,500 of combined bonus category/ grocery store/ wholesale club spending per quarter; after hitting that threshold, you’ll earn 1% back on these purchases.

  • 1% back on all other purchases.

  • Sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The Bank of America® Customized Cash Rewards credit card packs an extra-long 0% interest period on both balance transfers and new purchases, and has the potential to rack up solid rewards. If your new purchase lines up with one of seven eligible categories, you’ll earn 3% back, plus 2% back on grocery stores and wholesale clubs up to a combined total of $2,500. You can change the eligible category as often as once per calendar month to maximize your rewards.

Citi Double Cash® Card

Citi® Double Cash Card
NerdWallet rating 

APR: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR.

Rewards: 2% cash back on purchases, distributed in two stages:

  • 1% back when you pay it off.

Thanks to its 0% offer on balance transfers as well as an excellent ongoing cash-back rate, the Citi Double Cash® Card is a great choice for consumers working to stretch their budgets. While balance transfers don’t earn cash back, all purchases do — 1% when you make the purchase and 1% when you pay it off.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Credit Card
NerdWallet rating 

APR: 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies. See rates and fees.

  • 1.5% cash back on every purchase.

  • Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening..

While the Capital One Quicksilver Cash Rewards Credit Card lacks the 2% cash-back rate of the Citi Double Cash® Card, it does consistently offer a sign-up bonus as well as a 0% intro APR period for purchases and balance transfers. The Citi Double Cash® Card will occasionally offer a sign-up bonus for a limited time, but that’s rare.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.



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