Best 0% APR Credit Cards of 2021

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Credit cards with 0% intro interest can help you save money. Whether you are trying to make expensive purchases or paying off your existing debt, credit cards that offer 0% introductory APR let you borrow money from banks now and pay off debt later without incurring any interest or fees, as long as you make the minimum payments every month.

BankAmericard Credit Card: 0% Intro APR for 18 Months

BankAmericard® credit card offers 0% intro APR on purchases and balance transfers for 18 months. It has no annual fee.

  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Cash Rewards Credit Card: $200 Bonus, up to 3% Cash Back

Bank of America® Customized Cash Rewards credit card offers $200 bonus cash. You only need to spend $1,000 on purchases in 90 days to qualify for the $200 bonus, which is easily attainable. In addition, you can earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. It has no annual fee.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Amex Blue Business Cash: 0% on Purchases for 12 Months and 2% Cash Back

American Express Blue Business Cash™ Card offers 0% on purchases for 12 months. It offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. It has no annual fee.

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Regular APR
13.99% - 21.99% Variable
Annual Fee (rates & fees)
No annual fee

Amex Blue Business Plus: 0% on Purchases for 12 Months and 2X Rewards

The Blue Business® Plus Credit Card from American Express offers 0% on purchases for 12 months. It offers 2X rewards on all eligible purchases on up to $50,000 per calendar year. It has no annual fee.

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Regular APR
13.99% - 21.99% Variable
Annual Fee (rates & fees)
No annual fee

Mastercard Titanium Card: 0% on Balance Transfers for 15 Billing Cycles

Mastercard® Titanium Card™ offers 0% APR for 15 billing cycles on balance transfers made in the first 45 days.

  • Patented brushed stainless steel front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Intro APR
0% on Balance Transfers made in the first 45 days
Intro APR Period
15 billing cycles
Regular APR
15.74% Variable
Annual Fee
$195 ($95 for each Authorized User added to the account)


Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the advertiser. Responses have not been reviewed, approved or otherwise endorsed by the advertiser. It is not the advertiser's responsibility to ensure all posts and/or questions are answered.

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