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
Ink Business Cash® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1%-5% cash back |
| Sign Up Bonus | $750 bonus cash back |
Chase Freedom Unlimited® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1.5%-5% cash back. |
| Sign Up Bonus | Earn $200 bonus cash back. |
Blue Business® Plus Credit Card
American Express
| Annual Fee | $0 |
| Rewards Rate | 1x-2x Points |
| Sign Up Bonus | 15,000 Membership Rewards Points |
| Network | American Express |
Discover it® Cash Back Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 5% Cash Back |
| Sign Up Bonus | Unlimited Cashback Match |
| Network | Discover |
Bank of America® Travel Rewards Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5x points on all purchases |
| Sign Up Bonus | 25,000 bonus points |
Discover it® Student Cash Back
Discover
| Annual Fee | $0 |
| Rewards Rate | 5% cash back on everyday purchases |
| Sign Up Bonus | Unlimited dollar-for-dollar match of cash back |
| Network | Discover |
Wells Fargo Autograph® Card
Wells Fargo
| Annual Fee | $0 |
| Rewards Rate | 1x-3x points |
| Sign Up Bonus | 20,000 bonus points |
| Network | Visa |
United GatewaySM Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1x-5x miles |
| Sign Up Bonus | Up to 40,000 bonus miles |
| Network | Visa |
Bank of America® Customized Cash Rewards Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1-6% Cash Back |
| Sign Up Bonus | $200 cash rewards bonus |









