Top 7 Zero-Interest Credit Cards You Should Consider

Top 7 Zero-Interest Credit Offers to Keep in Mind

A 0% APR credit card enables you to make purchases without incurring interest during an introductory period. Some cards also feature 0% APR on balance transfers, after which the standard rate applies. These cards are perfect for paying off high-interest debt or making large purchases without interest accumulating. Many come without annual fees, helping you save money. Whether you're financing a big gadget or consolidating debt, these cards offer significant benefits by minimizing interest costs and providing flexible terms.

For example, you can buy a new 4K Smart TV and avoid extra charges typical of regular credit cards. Utilizing a 0% APR card can save money on interest, allowing you to pay only for your purchase. Additionally, if you need emergency funds, these cards are invaluable. Here, we present seven of the top zero-APR credit cards and highlight their key advantages.

Wells Fargo Platinum Visa®
This card offers a 0% introductory APR for 18 months, longer than most competitors by about 6-7 months.

This applies to balance transfers and new purchases. The initial balance transfer fee is 3% within the first 120 days, rising to 5% afterward. Post-intro, the regular APR ranges from 17% to 27%. It charges a 3% foreign transaction fee but saves money with no annual fee. Suitable for good to excellent credit, the card provides perks like smartphone insurance valued up to $600 for cellular bill payers, with a $25 deductible.

Capital One® Quicksilver® Cash Rewards
This card provides a 0% APR for balance transfers and purchases for 15 months, plus a $150 bonus if you spend $500 in the first three months. It features unlimited 1.5% cashback on all purchases and offers no foreign transaction fees. After the initial period, APR varies from 16.24% to 26.24%. It’s accessible for good to fair credit, with an annual fee of around $39.

Citi Simplicity®
Offering a 0% APR on balance transfers for up to 21 months and on new purchases for 12 months, this card is excellent for debt consolidation. It has a low, no-fee structure with a 5% (min $5) balance transfer fee. Good to excellent credit is required. After the intro period, APR is typically around 14.41% for excellent credit, and about 20% for good credit. No late fees are charged.

Chase Freedom Unlimited®
This cashback-focused card offers 0% APR for 15 months on purchases and balance transfers. It features a $600 cashback opportunity in the first year and earns 1.5% on all purchases. The balance transfer fee is 3%. No annual fee or foreign transaction fees apply, though a good credit score is necessary to qualify.

Capital One® VentureOne® Rewards
With 12 months of 0% APR on purchases, this card earns 1.25 miles per dollar spent. It offers a 20,000-mile bonus ($200 value) after spending $1,000 within three months and additional travel-related perks. No annual fee or foreign transaction fees, but a 3% cash advance fee applies. It does not provide 0% APR on balance transfers.

U.S. Bank Visa® Platinum
This card boasts a remarkably long 20 months of 0% APR on new purchases and balance transfers. It has a 3% ($5 minimum) transfer fee and no annual fee. Post-intro, APR ranges from 14.74% to 25.74%. It lacks rewards but allows flexible payment due date options. A good credit score is needed to qualify.

Blue Business℠ Plus Credit Card from American Express
Ideal for small businesses, this card has no annual fee, no balance transfer fee, and offers 0% intro APR on new purchases and balance transfers for 15 months. It requires good credit. Rewards are points per dollar spent, with 2 points on the first $50,000 annually, which can be converted into cashback. Other benefits include travel insurance and purchase security.