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Best 0% Intro APR Credit Cards

Credit cards with a 0% introductory APR can help you manage big purchases or pay off existing balances without interest for months. These cards are ideal if you need breathing room from interest charges. Many of the top options also offer solid rewards or no annual fee, making them a smart short-term and long-term choice. Just be sure to pay off your balance before the intro period ends.

Our Picks

Last updated July 29, 2025

Chase Freedom Unlimited® Credit Card

Chase
Annual Fee$0
Rewards Rate1.5%-5% Cash Back
Sign Up Bonus$250 bonus
4.2
Apply Now
at Chase's secure site

Ink Business Cash® Credit Card

Chase
Annual Fee$0
Rewards Rate1%-5% Cash Back
Sign Up Bonus$750 bonus cash back
4.1
Apply Now
at Chase's secure site

Discover it® Cash Back Credit Card

Discover
Annual Fee$0
Rewards Rate5% Cash Back
Sign Up BonusUnlimited Cashback Match
NetworkDiscover
4.1
Apply Now
at Discover's secure site

Discover it® Student Cash Back

Discover
Annual Fee$0
Rewards Rate5% cash back on everyday purchases
Sign Up BonusUnlimited dollar-for-dollar match of cash back
NetworkDiscover
3.7
Apply Now
at Discover's secure site

Wells Fargo Autograph® Card

Wells Fargo
Annual Fee$0
Rewards Rate1x-3x points
Sign Up Bonus20,000 bonus points
NetworkVisa
4.1
Apply Now
at Wells Fargo's secure site

Blue Business CashTM Card

American Express
Annual Fee$0
Rewards Rate1%-2% Cash Back
Sign Up Bonus$250 statement credit
NetworkAmerican Express
3.6
Apply Now
at American Express's secure site

Blue Cash Everyday® Card

American Express
Annual Fee$0
Rewards Rate1%-3% Cash Back
Sign Up BonusAs high as $200 Cash Back
NetworkAmerican Express
3.6
Apply Now
at American Express's secure site

Bank of America Travel Rewards Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5 points on all purchases
Sign Up Bonus25,000 online bonus points
3.7
Apply Now
at Bank of America's secure site

NHL® Discover it® Credit Card

Discover
Annual Fee$0
Rewards Rate1%-5% Cash Back
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
3.5
Apply Now
at Discover's secure site

Discover it Miles

Discover
Annual Fee$0
Rewards RateUnlimited 1.5x Miles
Sign Up BonusMiles-for-miles match at end of year
NetworkDiscover
3.6
Apply Now
at Discover's secure site

Resources

How Do 0% Intro APR Cards Work?

Best Strategies for Your Balance Transfer Card

0% APR: Purchases vs. Balance Transfers?

Common 0% APR Card Mistakes to Avoid

What Happens When Your 0% APR Ends?

Do You Qualify for 0% APR Cards?

Our Methodology

FAQs

Best 0% Intro APR Credit Cards | Creditminds