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.

  • 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, 12.99% - 22.99% 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
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Diamond Preferred Card: 0% Intro APR for 18 Months

Citi® Diamond Preferred® Card offers 0% intro APR on purchases and balance transfers for 18 months. You can get free access to your FICO Score online. It has no annual fee.

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 months
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0

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

Bank of America® 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.

  • 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
  • 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, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Rewards+ Card: 0% Intro APR for 15 Months and $150 Bonus

Citi Rewards+® Card offers 0% intro APR on purchases and balance transfers for 15 months. It also offers 15,000 bonus points, redeemable for $150 in cash rewards. You may earn 2X points at supermarkets and gas stations. Your rewards round up to the nearest 10 points on every purchase, which increases average rewards. You can redeem points for cash back, starting at 5000 points for $50.

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0

Citi® Double Cash Card: 0% APR on Balance Transfers for 18 months

Citi® Double Cash Card - 18 month BT offer offers 0% on balance transfers for 18 months. It also offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Balance Transfers
Intro APR Period
18 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0

Chase Freedom Unlimited: 0% on Purchases for 15 Months and $200 Bonus

Chase Freedom Unlimited® offers 0% on purchases for 15 months. It offers up to 5% cash back on grocery store purchases and unlimited 1.5% cash back on all other purchases. It also offers $200 bonus cash back after qualified spending. It has no annual fee.

  • Bonus: You will receive 20,000 bonus points after you spend $500 on purchases in your first 3 months from account opening, which can be redeemed for $200 cash back.
  • Rewards: You will earn unlimited 1.5% cash back on all purchases. Your cash back rewards do not expire as long as your account is open.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.

Blue Cash Preferred Card: 0% on Purchases for 12 Months and $250 Bonus

Blue Cash Preferred® Card from American Express offers 0% on purchases for 12 months. It offers $250 bonus after qualified spending. It offers 6% cash back at supermarkets and on select streaming subscriptions. It also offers 3% cash back at gas stations and on transit.

  • Bonus: You will receive $300 bonus cash back in the form of statement credit after you spend $3,000 in purchases within the first 3 months.
  • Rewards: You will earn 6% cash back on purchases at U.S. supermarkets, up to the first $6,000 per year, then 1% cash back afterwards. You will earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit. You will earn 1% cash back on other purchases.
  • Annual Fee: This credit card has an annual fee of $95.

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 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 us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
13.24% - 19.24% 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 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *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 us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
13.24% - 19.24% 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
14.99% Variable
Annual Fee
$195 ($95 for each Authorized User added to the account)


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