Best 0% APR Credit Cards of 2023

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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.

Wells Fargo Reflect® Card: 0% Intro APR for up to 21 months from account opening

Wells Fargo Reflect® Card offers 0% intro APR on purchases and balance transfers for up to 21 months from account opening. It has no annual fee.

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
up to 21 months from account opening
Regular APR
17.24% - 29.24% variable
Annual Fee (rates & fees)
$0

BankAmericard Credit Card: 0% Intro APR for 21 billing cycles

BankAmericard® credit card offers 0% intro APR on purchases and balance transfers for 21 billing cycles. It has no annual fee.

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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
21 billing cycles
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Custom Cash℠ Card: 0% Intro APR for 15 months

Citi Custom Cash℠ Card offers 0% intro APR on purchases and balance transfers for 15 months. It offers a bonus of $200 cash after qualified spending and up to 5% cash rewards. It has no annual fee.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
18.24% - 28.24% (Variable)
Annual Fee
$0

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

Bank of America® Customized Cash Rewards credit card offers $200 cash bonus. You only need to spend $1,000 on purchases in 90 days to qualify for the $200 bonus. 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 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 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, 18.24% - 28.24% 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
18 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Rewards+ Card: 0% Intro APR for 15 Months and $200 Bonus

Citi Rewards+® Card offers 0% intro APR on purchases and balance transfers for 15 months. It also offers 20,000 bonus points, redeemable for $200 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.

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 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 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
17.74% - 27.74% (Variable)
Annual Fee
$0

Citi Diamond Preferred Card: 0% Intro APR for up to 21 Months

Citi® Diamond Preferred® Card offers 0% on purchases for 12 months and on qualifying balance transfers for 21 months. You can get free access to your FICO Score online. It has no annual fee.

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.24% - 27.99%, 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 5% 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.
Intro APR on Purchases
0% for 12 months on purchases
Intro APR on Transfers
0% for 21 months on qualified balance transfers
Regular APR
17.24% - 27.99% (Variable)
Annual Fee
$0


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.

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