The Top 0% Interest APR Credit Cards in 2025

If you’re looking for a way to finance large purchases or pay off debt without drowning in interest, 0% APR credit cards can be a game-changer. These cards offer a promotional period during which no interest is charged, giving you time to pay off balances or make purchases without worrying about interest fees. Whether you’re trying to consolidate debt or finance a big expense, a 0% APR card can help you manage your finances more efficiently and save on interest. In this guide, we’ll walk you through the best options for 2025 and how to choose the right one for your needs.

Best Zero Interest APR Credit Cards:

• Blue Cash Everyday® Card from American Express
• Chase Freedom Unlimited®
• Capital One VentureOne Rewards Credit Card
• Blue Cash Preferred® Card from American Express
• Citi Double Cash® Card
• Discover it® Cash Back

What is a 0% APR Credit Card and How Does It Work?

A 0% APR credit card offers a promotional period where you won’t be charged interest on purchases, balance transfers, or both. This period typically lasts anywhere from 12 to 21 months, giving you a significant window to pay down your balance without accruing interest. However, once the introductory period ends, the card’s regular APR will kick in on any remaining balances.

Here’s how 0% APR credit cards typically work:

• Introductory Period: During this time, no interest is charged on qualifying purchases or balance transfers.
• Post-Introductory APR: After the promotional period, the regular interest rate applies, which can range from 15% to 30%, depending on the card and your creditworthiness.
• Balance Transfer Fees: Some cards charge a fee to transfer a balance, typically 3-5% of the amount transferred, while others offer no-fee balance transfers.

A 0% APR card is perfect for consolidating high-interest credit card debt or financing a large purchase without paying interest for an extended period. But it’s important to have a repayment plan in place before the introductory period ends to avoid high-interest charges.

Best 0% APR Credit Cards for Purchases and Balance Transfers in 2025

Here are some of the best 0% APR credit cards for both purchases and balance transfers in 2025. Each card offers different benefits, whether you’re focused on paying down debt or making a big purchase.

1. Blue Cash Everyday® Card from American Express

If you’re looking for a card that can pull double duty—offering both an intro APR of 0% on purchases for 15 months and stellar cash back rewards—look no further than the Blue Cash Everyday® Card* from American Express. Whether you’re buying groceries or shopping online, this card helps you earn rewards while giving you breathing room on your balance.

Why It’s a Great Pick:

• Everyday Cash Back: 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Terms apply.
• No Annual Fee: All these perks come without an annual fee.
• Plan It® Feature: Manage large purchases by breaking them into fixed monthly payments with Amex’s Plan It®.

Things to Keep in Mind:

• Shorter Intro Period: The 0% on balance transfers and purchases lasts 15 months (18.24% – 29.24% after intro), which might not be ideal if you need more time to pay off your balance. ^{(See Rates & Fees)}
• High Regular APR: Once the intro period ends, the APR can climb, so be sure to pay off your balance within the introductory period.

Real-Life Scenario: If you’re frequently hitting the grocery store or filling up on gas, this card can help you rack up rewards while managing your balance interest-free for 15 months.

Enrollment is required for some benefits. Terms apply. For rates and fees on the Blue Cash Everyday® Card, please see here.

2. Chase Freedom Unlimited®

The Chase Freedom Unlimited® card combines cash back rewards with a long 0% intro APR (19.49% – 28.24% after intro period), making it perfect for those who want to balance debt repayment with earning rewards. Whether you’re shopping for essentials or booking a vacation, this card has your back.

Why It’s a Great Pick:

• Versatile Cash Back: Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• Long Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% – 28.24%.
• No Annual Fee: Keep all your rewards without worrying about annual fees.

Things to Keep in Mind:

• Ongoing APR Can Be High: Once the intro period ends, the APR can increase significantly, so pay off your balance before that happens.
• Shorter Intro Period for Large Balances: If you’re managing a large balance, you may need a card with a longer 0% intro APR period. _{(See Rates & Fees)}

Real-Life Scenario: If you’re looking for a card that offers rewards on nearly everything you buy while giving you time to manage debt with a 0% intro APR, the Chase Freedom Unlimited® is a great fit.

3. Capital One VentureOne Rewards Credit Card

If you’re looking for a 0% intro APR card with rewards and no annual fee, the Capital One VentureOne Rewards Credit Card is a great choice. It offers solid travel rewards and perks, even if you’re not jet-setting constantly.

Why It’s a Great Pick:

• Generous Intro APR: Get a 0% intro on purchases and 0% intro on balance transfers for 15 months; 19.24% – 29.24% variable APR after that. Balance transfer fee applies.
• Featured promotion: 20,000 Miles once you spend $500 on purchases within 3 months from account opening.
• Travel Rewards: Earn 1.25 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels and rental cars booked through Capital One Travel..

Things to Keep in Mind:

• Lower Everyday Rewards Rate: You’ll earn 1.25 Miles per dollar on every purchase, every day. This is lower compared to some other travel cards.

Real-Life Scenario: If you’re an occasional traveler looking for a 0% intro APR card that offers travel rewards without an annual fee, the Capital One VentureOne Rewards Credit Card is a great pick.

Explore the Capital One VentureOne Rewards Credit Card

4. Blue Cash Preferred® Card from American Express

If you spend a lot on groceries, gas, and streaming services, the Blue Cash Preferred® Card from American Express is designed to help you save. With a generous 0% intro APR period on balance transfers and purchases, plus cash back at U.S. supermarkets and streaming subscriptions, this card gives you plenty of bang for your buck (terms apply).

Why It’s a Great Pick:

• Intro Balance Transfer Offer: Enjoy an APR of 0% on purchases and 0% on balance transfers for 12 months (18.24% – 29.24% after intro period), giving you time to pay off debt.
• High Cash Back Rates: Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
• $0 Intro Annual Fee: There’s a $0 intro annual fee for the first year, then $95.

Things to Keep in Mind:

• Annual Fee After First Year: $0 intro annual fee for the first year, then $95. _{(See Rates & Fees)}
• Limited Cash Back at Certain Stores: Purchases at Walmart®, Target®, and wholesale clubs like Costco don’t qualify for the higher cashback rates. 

Real-Life Scenario: If you’ve got a family and regularly spend on groceries, gas, and streaming services, and need some extra time to pay down your balance, the Blue Cash Preferred® Card from American Express can help you maximize your rewards and manage your debt.

Explore the Blue Cash Preferred® Card from American Express

Enrollment is required for select benefits. For rates and fees of the Blue Cash Preferred® Card from American Express, please visit here.

5. Citi Double Cash® Card

In addition to a long 0% intro APR period for balance transfers, the Citi Double Cash® Card makes it easy to earn cash back twice: once when you buy and again when you pay. With cash back of 1% when you buy plus 1% as you pay, this card is perfect for people who want to maximize their rewards across the board while enjoying 18 months with 0% interest on balance transfers.

Why It’s a Great Pick:

• Double the Cash Back: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
• Long 0% APR Period: Enjoy 0% APR for 18 months on Balance Transfers (18.24% – 28.24% variable APR after that), giving you plenty of time to manage your debt.
• No Annual Fee: Earn rewards without worrying about an annual fee. ^{(See rates & fees)}

Things to Keep in Mind:

• Balance Transfer Fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). Factor that in when transferring larger balances.
• No Sign-Up Bonus: Unlike many other cards, there’s no introductory bonus, so it’s all about long-term rewards.

Real-Life Scenario: If you’re looking for a card that rewards you consistently across all purchases and want extra time to pay off balances, the Citi Double Cash® Card is a great way to double up on rewards without an annual fee.

Explore the Citi Double Cash® Card

6. Discover it® Cash Back

Best for Rotating cash back Categories

The Discover it® Cash Back card is a favorite for its 0% intro APR for 15 months. Combine that with rotating 5% cash back categories, which can help you earn big on everyday purchases, and this card offers a rewarding way to manage your finances.

Why It’s a Great Pick:

• Long 0% Intro APR Period: Take advantage of 15 months of 0% APR on purchases and balance transfers (18.24%-28.24% variable APR after the intro period).
• High Cash Back in Rotating Categories: Earn 5% cash back on rotating categories like groceries, restaurants, gas stations, and more (up to the quarterly maximum) when you activate.
• Unlimited Cash Back: Even if your purchases don’t fall into the 5% category, you’ll still earn unlimited 1% cash back on everything else.
• No Annual Fee: All the perks without an annual fee.

Things to Keep in Mind:

• Rotating Categories: While the 5% cash back is a great offer, the categories rotate quarterly, so you’ll need to track which categories are active.
• Quarterly Limits: The 5% cash back is capped each quarter, so keep that in mind if you tend to spend a lot in those categories.

Real-Life Scenario: If you like to optimize your cash back by focusing on specific categories each quarter while paying down your debt, the Discover it® Cash Back card gives you plenty of opportunities to earn big rewards.

How to Choose the Right 0% APR Credit Card for You

When selecting a 0% APR credit card, it’s important to consider your financial goals and how you plan to use the card. Here’s what to keep in mind:

• Length of the 0% APR Period: The longer the promotional period, the more time you have to pay off your balance interest-free. If you’re consolidating a large amount of debt, look for a card with at least 18-21 months of 0% APR.
• Balance Transfer Fees: Some cards charge a fee (usually 3-5%) to transfer a balance. While this fee is often worth it to avoid high-interest payments, it’s essential to calculate whether the fee will cut into your savings.
• Rewards Programs: If you plan on using the card for purchases, look for one that offers rewards like cash back or points. Cards like the Chase Freedom Unlimited® provide both rewards and 0% APR, making them versatile options for everyday use.
• Post-Introductory APR: After the promotional period ends, the regular APR kicks in. If you think you’ll still have a balance after the 0% APR period, choose a card with a lower ongoing APR to minimize future interest payments.

Pros and Cons of 0% APR Credit Cards

Pros:

• Save on Interest: The main advantage of a 0% APR card is the ability to save money by avoiding interest payments during the promotional period.
• Debt Consolidation: These cards make it easy to consolidate multiple high-interest debts into one, simplifying payments and potentially lowering your overall costs.
• Flexible Financing: If you need to make a large purchase, a 0% APR card allows you to finance it over time without accruing interest.

Cons:

• Balance Transfer Fees: Many cards charge a balance transfer fee, which can add to your costs, especially for large transfers.
• High Regular APR: After the 0% APR period ends, the regular APR can be quite high, so it’s essential to pay off as much of the balance as possible before this happens.
• Risk of Overspending: The allure of 0% APR can lead to overspending, which may result in more debt down the road if you’re not careful.

Tips for Maximizing a 0% APR Introductory Offer

To make the most of your 0% APR introductory offer, follow these tips:

• Create a Payment Plan: Before the 0% APR period ends, make a plan to pay off your balance. Divide the total amount by the number of months in the promotional period to ensure you’re making progress toward eliminating the debt.
• Pay More Than the Minimum: To avoid having a balance left over when the 0% APR period expires, pay more than the minimum each month. This will help you pay down the debt faster.
• Avoid New Debt: While it’s tempting to continue using the card for new purchases, focus on paying off your transferred balance first to avoid accumulating more debt.

Common Mistakes to Avoid with 0% APR Credit Cards

Here are some common pitfalls to avoid when using a 0% APR credit card:

• Failing to Pay Off the Balance: If you don’t pay off your balance before the 0% APR period ends, you’ll be stuck with a higher interest rate on any remaining debt. Plan ahead to pay off as much as you can within the promotional period.
• Missing Payments: Missing a payment can result in losing your 0% APR offer, meaning interest will start accruing immediately. Set up automatic payments to ensure you never miss a due date.
• Not Understanding Deferred Interest: Some 0% APR offers come with deferred interest, meaning that if you don’t pay off the balance in full, you’ll be charged interest on the entire amount retroactively. Be sure to read the fine print to avoid this.

Overspending: The appeal of 0% APR can lead to overspending, especially if you’re not careful with your budget. Stick to a spending plan to avoid adding more debt to your balance.

*For rates and fees on the Blue Cash Everyday® Card, please see here.

*For rates and fees on the Blue Cash Preferred® Card, please see here.