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
Signify Business Cash®
Wells Fargo
| Annual Fee | $0 |
| Rewards Rate | Unlimited 2% cash rewards |
| Sign Up Bonus | $500 Cash Rewards Bonus |
| Network | Mastercard |
Chase Freedom Flex Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1%-5% Cash Back |
| Sign Up Bonus | $200 bonus |
| Network | Mastercard |
Blue Business CashTM Card
American Express
| Annual Fee | $0 |
| Rewards Rate | 2% Cash Back |
| Sign Up Bonus | $250 statement credit |
| Network | American Express |
Blue Cash Everyday® Card
American Express
| Annual Fee | $0 |
| Rewards Rate | 1%-3% Cash Back |
| Sign Up Bonus | $200 Back |
| Network | American Express |
Chase Freedom Unlimited® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1.5% - 5% Cash Back |
| Sign Up Bonus | $200 bonus |
Ink Business Cash® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1%-5% Cash Back |
| Sign Up Bonus | $750 bonus cash back |
Discover it Miles
Discover
| Annual Fee | $0 |
| Rewards Rate | 1.5x Miles on every dollar |
| Sign Up Bonus | Discover matches all first year miles |
| Network | Discover |
Bank of America® Travel Rewards Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5 points for every $1 |
| Sign Up Bonus | 25,000 online bonus points |
Wells Fargo Autograph® Card
Wells Fargo
| Annual Fee | $0 |
| Rewards Rate | 1x–3x points |
| Sign Up Bonus | 20,000 bonus points |
| Network | Visa |
Blue Cash Preferred® Card
American Express
| Annual Fee | $95 |
| Rewards Rate | 1%-6% Cash Back |
| Sign Up Bonus | $250 Back |
| Network | American Express |