0% Intro APR Credit Cards – 2025
If you can't pay off your credit card bill all at once or need... to finance a major purchase, a 0% APR card is a great option. It gives you breathing room to pay the balance off over time with no interest to worry about. Here are some great zero interest cards from our partners:
Read more
9
RESULTS
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.
The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.
Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.
The card you may be looking for might not be available at this time. Please see below for a list of the current featured offers from our partners.
It looks like currently we do not have any special card offers. Please update your options to view other card offers.
Chase Freedom Unlimited®
Limited Time OfferLimited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
Limited Time OfferLimited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
Purchase Intro
APR: 0% Intro APR on Purchases, Period: 15 months
Regular APR
18.99% - 28.49% Variable
Balance Transfer Intro APR & Period
APR: 0% Intro APR on Balance Transfers, Period: 15 month...
APR: 0% Intro APR on Balance Transfers, Period: 15 months
Annual Fee
$0
Additional Details
- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- 5.0
Bank of America® Travel Rewards credit card
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Purchase Intro
APR: 0% Intro APR, Period: for 15 billing cycles for purchase...
APR: 0% Intro APR, Period: for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfer...
18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Intro APR & Period
APR: 0% Intro APR, Period: for 15 billing cycles for any...
APR: 0% Intro APR, Period: for 15 billing cycles for any balance transfers made in the first 60 days
Annual Fee
$0
Additional Details
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Capital One VentureOne Rewards Credit Card
20,000 Miles once you spend $500 on purchases within 3 months from account opening
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Purchase Intro
APR: 0% intro on purchases, Period: 15 months
Regular APR
19.24% - 29.24% (Variable)
Balance Transfer Intro APR & Period
APR: 0% intro on balance transfers, Period: 15 months
Annual Fee
$0
Additional Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- 5.0
Bank of America® Customized Cash Rewards credit card
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Purchase Intro
APR: 0% Intro APR, Period: for 15 billing cycles for purchase...
APR: 0% Intro APR, Period: for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfer...
18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Intro APR & Period
APR: 0% Intro APR, Period: for 15 billing cycles for any...
APR: 0% Intro APR, Period: for 15 billing cycles for any balance transfers made in the first 60 days
Annual Fee
$0
Additional Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don't expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Ink Business Cash® Credit Card
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Purchase Intro
APR: 0% Intro APR on Purchases, Period: 12 months
Regular APR
17.49% - 25.49% Variable
Balance Transfer Intro APR & Period
APR: N/A
Annual Fee
$0
Additional Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Purchase Intro
APR: 0% intro on purchases, Period: 15 months
Regular APR
19.24% - 29.24% (Variable)
Balance Transfer Intro APR & Period
APR: 0% intro on balance transfers, Period: 15 months
Annual Fee
$0
Additional Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
USAA Rate Advantage Credit Card
0% intro APR for 15 months on balance transfers, then 11.15% to 25.15% variable regular APR
0% intro APR for 15 months on balance transfers, then 11.15% to 25.15% variable regular APR
Purchase Intro
APR: None
Regular APR
11.15% to 25.15% variable
Balance Transfer Intro APR & Period
APR: 0%, Period: intro APR for 15 months on balance transfers,...
APR: 0%, Period: intro APR for 15 months on balance transfers, then 11.15% to 25.15% variable regular APR
Annual Fee
$0
Additional Details
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 11.15% to 25.15% variable regular APR.
- See Rates and Fees for details.
Ink Business Unlimited® Credit Card
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Purchase Intro
APR: 0% Intro APR on Purchases, Period: 12 months
Regular APR
17.49% - 23.49% Variable
Balance Transfer Intro APR & Period
APR: N/A
Annual Fee
$0
Additional Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Capital One Savor Cash Rewards Credit Card
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Purchase Intro
APR: 0% intro on purchases, Period: 15 months
Regular APR
19.24% - 29.24% (Variable)
Balance Transfer Intro APR & Period
APR: 0% intro on balance transfers, Period: 15 months
Annual Fee
$0
Additional Details
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
See More Offers