Personal Finance › Credit

Zero Percent Credit Cards

Wealth ManagerLast Updated: September 26, 2024

Some zero percent credit cards (0% APR cards) help you save money when using them by helping you avoid interest payments of credit card purchases and balance transfers. Some of these zero percent credit cards are not giving rewards and perks. Zero percent credit cards offer several advantages, including an interest-free period that helps with budgeting and debt consolidation, the opportunity to earn rewards, and the chance to build a strong credit history. They also provide financial flexibility and can serve as an emergency fund. Responsible usage is essential to avoid debt when the introductory period ends. Remember, credit cards should be use with discipline in order for you to avoid financial disaster.

Table of Contents:

The Best Zero Percent APR Credit Cards

Wells Fargo Active Cash® Card

This credit card offer provides a $200 cash rewards bonus for spending $500 within the first 3 months, along with an ongoing 2% cash back on purchases. It also offers a 0% introductory APR for 15 months on purchases and qualifying balance transfers (with a 3% balance transfer fee for transfers made within 120 days), transitioning to a variable APR of 20.24%, 25.24%, or 29.99%.

There’s no annual fee, no need to track spending categories, and cash rewards that never expire as long as the account remains open.

Cardholders can also access exclusive hotel benefits through Visa Signature Concierge and receive up to $600 in cell phone protection when paying their monthly bill with the card (subject to a $25 deductible).

Chase Freedom Flex^℠

Obtain a $200 bonus by making $500 in purchases within the first 3 months of opening your account. Get 5% cash back on categories that change each quarter (activation required), 5% cash back on travel booked through Chase Ultimate Rewards®, 3% cash back on dining and drugstore expenses, and 1% cash back on all other purchases. Furthermore, this card comes with no annual fee.

Amex EveryDay® Credit Card

Earn 10,000 Membership Rewards points when you spend $2,000 on qualifying purchases during your first six months of card membership.

You’ll also enjoy 2 points for every dollar spent at US supermarkets, up to $6,000 per year, and 2 points per dollar when booking your travels through American Express Travel.

For all other eligible spending, you’ll earn 1 point per dollar. These points can be applied toward various charges on your card, such as retail, dining, and entertainment. Plus, when you use your card for 20 or more purchases in a billing period, you’ll receive a 20% bonus on those transactions.

Wells Fargo Reflect® Card

This credit card offers a generous 0% introductory APR for 21 months on purchases and qualifying balance transfers, with a variable APR ranging from 18.24% to 29.99% after that, depending on creditworthiness. Balance transfers made within 120 days qualify for the intro rate with a 5% fee, minimum $5.

There’s no annual fee, and it provides up to $600 in cell phone protection against damage or theft when you pay your monthly cell phone bill with the card, subject to a $25 deductible. You can also access personalized deals through My Wells Fargo Deals, earning cash back as an account credit for using your card at participating merchants.

Capital One VentureOne Rewards Credit Card

This credit card offers the advantage of a $0 annual fee, making it a cost-effective choice for travelers. Additionally, it doesn’t charge foreign transaction fees, making it convenient for international use.

New cardholders can earn a bonus of 20,000 miles by spending just $500 on purchases within the first three months of opening their account. This bonus is equivalent to $200 in travel rewards, providing a solid incentive to get started.

With this card, you’ll earn 1.25X miles on every purchase, every day. This rewards structure allows you to accumulate travel miles on all of your spending.

Your miles won’t expire as long as your account is active, and there’s no cap on how many miles you can earn. This provides flexibility and peace of mind for long-term travel planning.

The card offers 5X miles on hotel and rental car bookings through Capital One Travel. This means you can enjoy Capital One’s competitive pricing on a wide range of travel options while earning more rewards.

You have the flexibility to use your earned miles for reimbursement on various travel expenses or redeem them by booking trips through Capital One Travel. This gives you options to maximize your rewards based on your travel preferences.

The card provides the option to transfer your miles to more than 15 travel loyalty programs, opening up numerous possibilities for maximizing your miles’ value.

Cardholders can benefit from a 0% introductory APR on both purchases and balance transfers for the first 15 months. Afterward, a variable APR between 19.99% and 29.99% applies, with a 3% fee on transferred balances within the initial 15 months. This introductory offer can help you save on interest costs for a limited time.

U.S. Bank Visa® Platinum Card

This card offers up to $600 in cell phone protection with a $25 deductible when you pay your monthly phone bill using it. You can choose a convenient payment due date, and there’s no annual fee. Additionally, an introductory APR offer is available. Terms and conditions apply.

Discover it® Cash Back

Discover it® Cash Back Credit Card

Discover’s introductory offer boasts an automatic cashback match at the end of your first year with no spending minimum, potentially doubling your earnings. You can earn 5% cash back on rotating categories like Amazon.com, grocery stores, restaurants, and gas stations, and 1% cash back on all other purchases, both activated automatically.

Discover provides a valuable service to help safeguard your personal information online by removing it from select people-search websites, all at no cost through their mobile app. The card also offers a 0% intro APR for 15 months on purchases, followed by a variable APR of 17.24% to 28.24%, and it comes with no annual fee.

Discover it® Chrome

Discover is offering an enticing introductory deal with their Unlimited Cashback Match program, which automatically matches all the cashback you accumulate in your first year, without any minimum spending or reward caps. You can earn 2% cashback on Gas Stations and Restaurants, up to $1,000 in combined purchases per quarter, and 1% unlimited cashback on all other purchases.

Discover provides a useful feature to help safeguard your personal information online by assisting in its removal from specific people-search sites, all at no cost and accessible through their mobile app.

Each dollar earned in cashback is redeemable, and there’s a 0% introductory APR for 15 months on purchases, followed by a variable APR of 17.24% to 28.24%, depending on your creditworthiness, with no annual fee.

Citi Simplicity® Card

There are no late fees or penalty rates associated with this card, and you won’t be held responsible for unauthorized charges with the added benefit of early fraud detection alerts. Plus, there’s no annual fee to worry about.

Chase Freedom Unlimited®

Chase Freedom Unlimited® Credit Card

Get an exclusive introductory offer with the Freedom Unlimited® card: Earn an extra 1.5% cash back on your first-year purchases, up to $20,000, potentially netting you up to $300 in cash back rewards. Benefit from 6.5% cash back on travel booked through Chase Ultimate Rewards®, where you can redeem rewards for cash back, travel, gift cards, and more. Additionally, earn 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery, as well as 3% cash back on all other purchases (up to $20,000 in the first year).

After the initial year or reaching the $20,000 spend limit, you’ll still enjoy 5% cash back on Chase travel via Ultimate Rewards®, 3% cash back on drugstore and dining purchases, and a continuous 1.5% cash back on all other spending. No minimum is required to redeem your cash back, and you can opt for a statement credit or direct deposit.

Plus, there’s no annual fee for the card, and you’ll have access to Chase Credit Journey for monitoring your credit health. Credit card holders can take advantage of a 0% introductory APR for 15 months on both purchases and balance transfers, followed by a variable APR of 20.49% – 29.24%.