Best 0% APR Credit Cards for Worry-Free Spending


Wells Fargo Active Cash® Card

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Wells Fargo Active Cash® Card not provided on the Wells Fargo site.

This 0% intro APR credit card is best for:

  • Financing purchases while earning big rewards
  • Those who don’t want a learning curve to make the most of this card

Apply for the Wells Fargo Active Cash® Card

Discover it® Chrome

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for Discover it® Chrome not provided on the Discover site.

Many balance transfer cards are light on rewards, or don’t offer them at all. That’s not the case with this Discover card, which has one of the longest balance transfer offers as well as one of the best rewards programs.

This 0% APR credit card is best for:

  • Those who want a balance transfer card that can also earn cash back, while paying off credit card debt.
  • Users who want good customer service (Discover consistently ranks near the top of the J.D. Power studies).

Apply for the Discover it® Chrome

Wells Fargo Reflect® Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for Wells Fargo Reflect® Card not provided on the Wells Fargo site.

This is award winner is purely a 0% intro APR credit card. Other benefits are limited. Most notably, it doesn’t have any sort of rewards program. That means no cash back or points, and no sign-up bonus for new cardholders.

This no interest credit card is best for:

  • Cardholders who need as much time as possible to pay off purchases
  • Those dealing with a large amount of credit card debt
  • If you have a sizable purchase to make

Apply for the Wells Fargo Reflect® Card

Chase Freedom Flex℠

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Chase Freedom Flex℠ not provided on the Chase site.

This card is The Ascent award winner for best no annual fee credit card. Cash back and a 0% intro APR are one of the best combinations you can get from a credit card. It’s where this Chase credit card excels, as it’s made for earning cash back bonuses and paying off purchases interest-free.

This no interest credit card is best for:

  • Maximizing your savings on costly expenses with a cash back program
  • A rewards card with no annual fee

Apply for the Chase Freedom Flex℠

Citi Custom Cash® Card

Our rating: 5.00/5.00 stars. Cardholder Review Ratings: 628 reviews give it 4.50/5 stars as of 3/12/24.

With 0% intro APR cards, the intro rate applies to any type of purchase you make. That’s also the case with this Citi card, but it’s unique in that it earns 5% back in your top eligible spend category (from a list of 10) every billing cycle, up to a spending cap of $500.

This no interest card is great for:

  • Consumers with high spending in a single category
  • Financing home improvement projects because home improvement stores are one of the eligible 5% back categories
  • Paying off concerts and other event tickets over time, as live entertainment is one of the 5% back categories

Apply for the Citi Custom Cash® Card

U.S. Bank Visa® Platinum Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 9,533 reviews give it 4.20/5 stars as of 3/12/24.

Not only will you have plenty of time to pay off your card’s balance, you’ll also be able to do it on your schedule, as U.S. Bank lets you pick the due date that works best for you.

This 0% intro APR credit card is best for:

  • Payment flexibility
  • Financing options with the U.S. Bank ExtendPay® Plan, as it allows you to divide eligible purchases into equal monthly payments
  • Credit monitoring

Apply for the U.S. Bank Visa® Platinum Card



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