The Best 0% APR Credit Cards Right Now

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The Best 0% APR Credit Cards Right Now
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Team Clark hates credit card debt. But, ironically, the right credit card can be a helpful tool to finally eliminate your credit card balances.

The key is to find a card with a 0% APR offer for new purchases, balance transfers or both.

Credit Cards With 0% APR Offers: Team Clark’s Picks

When you make a payment during one of these introductory offers, it all goes to paying off your balance, not interest charges.

Just be sure to wipe out your balance before the offer expires and the standard interest rate applies. Otherwise, you could end up with higher interest rates than you were paying to begin with.

Let’s take a look at the best 0% APR credit cards available right now…

Table of Contents 


Clickable card art links to Chase Freedom Unlimited (Registered Trademark) credit card product page

Chase Freedom Unlimited

Intro Financing 15 months of interest-free financing on new purchases
Rewards 1.5% cash back on all purchases, with no limits
Annual fee None
Advantages
  • 15 months of 0% APR on new purchases
  • $150 welcome bonus after spending just $500 within 3 months of account opening.
  • No annual fee
Drawbacks
  • No promotional balance transfer offer
  • 3% foreign transaction fee

Learn More: Chase Freedom Unlimited

Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card

Intro Financing 21 months of 0% APR on balance transfers, 12 months for new purchases
Rewards None
Annual fee None
Advantages
  • 21 months of interest-free financing for balance transfers
  • 12 months of 0% APR financing for new purchases
  • No annual fee
  • No late fees or penalty interest rate
Drawbacks
  • High 5% balance transfer fee
  • No rewards

Learn More: Citi Simplicity


Capital One® Quicksilver® Cash Rewards Credit Card

Intro Financing  15 months of 0% APR on new purchases
Rewards
  • 1.5% cash back on all purchases
  • $150 welcome bonus after spending $500 on purchases within 3 months from account opening
Annual fee None
Advantages
  • 15 months of interest-free financing
  • Cash back rewards
  • No annual fee and no foreign transaction fees
Drawbacks
  • Financing period isn’t as long as some competing offers
  • 3% balance transfer fee

Learn More: Capital One Quicksilver Cash Rewards


Credit Card Image

Bank of America® Cash Rewards

Intro Financing 15 months of 0% APR on new purchases and balance transfers, with no fee
Rewards
  • $200 online cash rewards if you make $1,000 in purchases within the first 90 days
  • 3% cash back in the category of your choice
  • 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter)
  • Unlimited 1% cash back on all other purchases
Annual fee None
Advantages
  • Strong rewards
  • No annual fee
Drawbacks
  • 3% balance transfer fee

Learn More: Bank of America® Cash Rewards


Blue Cash Everyday<sup>®</sup> Card

Amex Blue Cash Everyday® Credit Card

Intro Financing 15 months of 0% APR on new purchases, with no fee
Rewards
  • $200 welcome bonus after making $1,000 in purchases within three months
  • 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases
  • 2% cash back at U.S. gas stations & at select U.S. department stores
  • 1% cash back on all other purchases
Annual fee None
Advantages
  • Strong welcome bonus
  • Earn competitive rates of cash back for a no fee card
  • No annual fee
Drawbacks
  • 3% balance transfer fee

Learn More: Amex Blue Cash Everyday


U.S. Bank Visa® Platinum Card

Intro Financing 20 months of interest-free financing on new purchases and balance transfers
Rewards None
Annual fee None
Advantages
  • Long, 20-month promotional financing offer
  • No annual fee
  • Cell phone protection plan included
Drawbacks
  • 3% balance transfer fee
  • 3% foreign transaction fee (2% for transactions in U.S. Dollars)

Learn More: U.S. Bank Visa® Platinum Card

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