Best 0% APR Credit Cards of December 2024

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Advantages of 0% APR Credit Cards

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

Wells Fargo Reflect Card: 0% Intro APR for 21 Months

Wells Fargo Reflect Card offers 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. In addition, you can get up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. Best of all, this card has no annual fee.

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
21 months from account opening
Annual Fee (rates & fees)
$0
Credit Needed
Excellent / Good

Citi Diamond Preferred Card: 0% APR on balance transfers for 21 months

Citi Diamond Preferred Card offers 0% intro APR on balance transfers for 21 months from the first transfer date. It also offers 0% APR on purchases for 12 months. Additionally, card members can gain special access to event tickets, including concerts, sporting events, dining experiences. This card 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 17.49% - 28.24%, 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.
  • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Intro APR on Purchases
0% for 12 months on purchases
Intro APR on Transfers
0% for 21 months on qualified balance transfers
Regular APR
17.49% - 28.24% (Variable)
Annual Fee (rates & fees)
$0

Similar 0% Interest Credit Cards

If you are interested in the above 0% interest cards, you may also consider a few other credit cards with similar benefits.

0% Interest for 18 Months on Balance Transfers

Credit Card0% Introductory InterestAnnual Fee
Citi Double Cash Card

Citi Double Cash® Card

0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies.
(rates & fees)
$0

0% Interest for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Bank of America Travel Rewards Credit Card

Bank of America® Travel Rewards credit card

0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.49% - 28.49% variable applies.$0
Citi Rewards+ Card

Citi Rewards+® Card

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 17.99% - 27.99% (variable) applies.
(rates & fees)
$0
Citi Custom Cash Card

Citi Custom Cash® Card

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies.
(rates & fees)
$0
Chase Freedom Unlimited

Chase Freedom Unlimited®

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.74% - 28.49% variable applies.$0
Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 29.49% variable applies.
(rates & fees)
$0

0% Interest for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Autograph Card

Wells Fargo Autograph Card

0% on purchases for 12 months from account opening
(rates & fees)
$0
Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card

0% on purchases and qualifying balance transfers for 12 months from account opening
(rates & fees)
$0
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 29.49% variable applies.
(rates & fees)
$0 intro annual fee for the first year, then $95.
Ink Business Unlimited Credit Card

Ink Business Unlimited® Credit Card

0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.74% - 23.74% variable applies.$0
Ink Business Cash Credit Card

Ink Business Cash® Credit Card

0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies.$0
The American Express Blue Business Cash Card

The American Express Blue Business Cash™ Card

0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies.
(rates & fees)
$0
The Blue Business Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies.
(rates & fees)
$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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