Best 0% APR Credit Cards of November 2021

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0% interest credit cards 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.

0% Intro APR for 18 Months

BankAmericard Credit Card offers 0% introductory APR on purchases and qualifying balance transfers for 18 billing cycles. In addition, you can enjoy $100 statement credit bonus after making $1,000 or more in purchases in the first 90 days. Best of all, this card has no annual fee.

  • New Offer! $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, 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
  • 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
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Similar 0% Interest Credit Cards

If you are interested in BankAmericard® credit card, you may also consider a few other credit cards with similar benefits.

0% Interest for 18 Months or More

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Reflect CardWells Fargo Reflect Card0% on purchases and qualifying balance transfers for up to 21 months from account opening
(rates & fees)
$0
U.S. Bank Visa Platinum CardU.S. Bank Visa® Platinum Card0% on purchases and balance transfers for 20 billing cycles$0
Citi Diamond Preferred CardCiti® Diamond Preferred® Card0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Double Cash Card - 18 month BT offerCiti® Double Cash Card - 18 month BT offer0% on balance transfers for 18 months$0

0% Interest for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Active Cash CardWells Fargo Active Cash℠ Card0% on purchases and qualifying balance transfers for 15 months from account opening
(rates & fees)
$0
Bank of America Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards credit card0% on purchases and qualifying balance transfers for 15 billing cycles$0
Bank of America Unlimited Cash Rewards credit cardBank of America® Unlimited Cash Rewards credit card0% on purchases and qualifying balance transfers for 15 billing cycles$0
Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express0% on purchases and balance transfers for 15 months
(rates & fees)
$0
(fees)
Citi Rewards+ CardCiti Rewards+® Card0% on purchases and balance transfers for 15 months$0
Chase Freedom UnlimitedChase Freedom Unlimited®0% on purchases for 15 months$0

0% Interest for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express0% on purchases for 12 months
(rates & fees)
$0 introductory annual fee for the first year, then $95.
(fees)
U.S. Bank Altitude Go Visa Signature CardU.S. Bank Altitude Go Visa Signature Card0% on purchases and balance transfers for 12 billing cycles$0
American Express Blue Business Cash CardAmerican Express Blue Business Cash™ Card0% on purchases for 12 months from date of account opening
(rates & fees)
$0
(fees)
Ink Business Cash Credit CardInk Business Cash℠ Credit Card0% on purchases for 12 months$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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