Best 0% APR Credit Cards for April 2022

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If you’re getting ready to buy a big-ticket item, a  with a 0% introductory rate can help you avoid interest. Most 0% introductory APR cards offer 15 to 20 months of no interest, and some offer between $200 and $300 in .

As with any credit card, we always advise paying off your balance in full each month. If you can’t, a 0% introductory interest period offers you extra time to pay off your debt. Once you have a good understanding of how much you can pay back each month, you can compare your options based on the introductory period and regular interest rate. 

A 0% APR card can also be used to consolidate credit card debt through a , saving you money on interest, while offering some breathing room to make payments. If you have or , you likely won’t qualify for one of these cards.

Here are our current top partner offers for the best 0% introductory APR credit cards, along with answers to frequently asked questions. We’ll update this list of partner offers periodically as new credit card options become available. 

Very long potential intro APR period

Card Highlights
Intro OfferN/A
APR13.24% – 25.24% Variable APR
Recommended Credit Excellent, Good
Reward RatesN/A
Annual Fee$0
Intro Purchase APR0% intro APR for up to 21 months from account opening
Additional Details
Intro Balance Transfer APR0% intro APR for up to 21 months from account opening on qualifying balance transfers
Balance Transfer Fee up to 5%; min: $5
Balance Transfer APR13.24% – 25.24% Variable APR
Foreign Transaction Fees 3%
Penalty APR None

Our Take

The Wells Fargo Reflect℠ Card offers a unique proposition among 0% introductory APR cards. Not only can you take advantage of the 0% introductory APR on purchases and qualifying balance transfers for an entire 18 months from account opening, but you can earn up to a three month extension on that timeframe if you pay all of your minimum payments on time during the introductory and extension periods. This means you can enjoy up to 21 months from account opening of 0% introductory APR on purchases and qualifying balance transfers (13.24% to 25.24% variable APR thereafter), which is unmatched by any other offer we could find. The trick is — as with all 0% intro APR cards — to be disciplined.

One of the longest intro APR periods

Card Highlights
Intro OfferN/A
APR14.99 – 23.74% Variable
Recommended Credit Excellent/Good Credit
Reward RatesN/A
Annual Fee$0
Intro Purchase APR0% Intro APR on Purchases for 18 months
Additional Details
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 18 months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Balance Transfer APR14.99 – 23.74% Variable
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%

Our Take

The Chase Slate Edge℠ offers a full 18 months of 0% introductory APR on both purchases and balance transfers (14.99% to 23.74% variable APR thereafter), beating out most other cards with intro APR offers. Beyond those 18 months, you’ll have the option to utilize My Chase Plan® on qualifying purchases of at least $100. With this program, you are able to spread out your payments in monthly installments for no interest — the catch is a flat monthly fee of 1.72%. But it is important to note that this fee can end up being very costly, on par with a higher APR if your balance remains unpaid.

A well-rounded combination of benefits

Card Highlights
Intro OfferIntro Offer: 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!
APR14.99% – 23.74% Variable
Recommended Credit Excellent/Good
Reward Rates

  • Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% on all other purchases
Annual Fee$0
Intro Purchase APR0% Intro APR on Purchases for 15 months
Additional Details
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Balance Transfer APR14.99% – 23.74% Variable
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
Rewards & Redemption Details
  • Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% on all other purchases

Our Take

Our top pick for best 0% introductory APR credit card, Chase Freedom Unlimited, checks all of the boxes: 15 months of introductory 0% APR on purchases and balance transfers (14.99% to 23.74% variable APR thereafter), a welcome bonus where you earn an additional 1.5% cash back in the first year on up to $20,000 of expenditure, and competitive rewards.

The base reward rate of the Chase Freedom Unlimited card is 1.5% cash back on purchases, and the card issuer offers 5% cash back on travel booked through Chase and 3% back on restaurant dining and drugstore purchases. Even if it’s not travel-related, you’re looking at 1.5% back on your eligible net purchases right off the bat, along with up to $300 cash back from the welcome bonus.

Best introductory APR for balance transfers

Card Highlights
Intro OfferN/A
APR14.74% – 24.74% (Variable)
Recommended Credit Good/Excellent
Reward RatesN/A
Annual Fee$0
Intro Purchase APR0% for 20 billing cycles on purchases
Additional Details
Intro Balance Transfer APR0% for 20 billing cycles on balance transfers
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Balance Transfer APR14.74% – 24.74% (Variable)
Foreign Transaction Fees 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Our Take

The U.S. Bank Visa Platinum Card is a great card for a balance transfer, with 20 billing cycles of 0% intro APR on purchases and balance transfers (though remember you still need to make minimum monthly payments; 14.74% to 24.74% variable APR thereafter). The trade-off is a lack of welcome bonus and rewards, but there is no annual fee either.

Travel rewards card with an introductory APR offer

Card Highlights
Intro Offer25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
APR14.24% – 24.24% Variable APR on purchases and balance transfers
Recommended Credit Excellent/Good
Reward Rates

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Additional Details
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Balance Transfer APR14.24% – 24.24% Variable APR on purchases and balance transfers
Late Payment Fee See terms
Foreign Transaction Fees None
Penalty APR up to 29.99% APR
Rewards & Redemption Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire

Our Take

The Bank of America Travel Rewards credit card* features a higher welcome bonus (as well as a modestly higher spending threshold) than other cards in this list. The card also offers a solid introductory 0% intro APR period on purchases for 15 billing cycles (14.24% to 24.24% variable APR thereafter). The 25,000 bonus points (after spending $1,000 in the first 90 days) can be redeemed for a $250 statement credit against travel and dining eligible purchases, and the points never expire. Qualifying travel and dining purchases include taxis, ride shares, buses, trains, bars, fast food, flights, hotels, restaurants and more. For most people, that means redemption shouldn’t be a problem. 

FAQs

What is a 0% intro APR credit card?

A 0% introductory annual percentage rate credit card is a simplified term for credit cards with particularly long, introductory 0% APR periods. Most offer at least 12 months of 0% APR after signing up, but many issuers also have extended offers for select cards. These cards can help you save money in interest payments during that introductory period. But they can also tempt you to carry a balance — which can accumulate into a longstanding debt over time.

When does it make sense to apply for a 0% or low introductory rate credit card?

Ideally, you’re paying off your credit card balance every month to avoid paying an interest charge. If you’re making a significant purchase that you’ll need to pay for over a period of time, using a 0% intro APR card could save you serious money.

These cards may also be useful when you’re in a financial pinch — if you’re between jobs or navigating a period of inconsistent cash flow. As long as the intro APR period doesn’t lure you into spending beyond your means, a 0% intro APR credit card can be a helpful tool.

What’s a good spending limit for a 0% intro APR credit card?

These cards are optimal for helping to finance a purchase that’s between $2,000 and $6,000. Anything less and you’ll be better off with a or . For big-ticket items priced above $6,000, you’re better off — especially because credit lines on these cards often , according to data from Equifax.

Are 0% intro APR credit cards good for consolidating credit card debt?

Maybe — but that’s not what they’re designed for. Our picks for the best balance transfer card include a number of options well-suited for consolidating credit card debt — and it may be worthwhile to .

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles — with the understanding that everyone’s financial situation is different — and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the “welcome bonus” and the cash-back rate (or Заказать прогон хрумером rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

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*All information about the Bank of America Travel Rewards credit card has been collected independently by CNET and has not been reviewed by the issuer.


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