Best 0% APR Credit Cards

The Citi Diamond Preferred Card is our choice for the best overall 0% APR credit cards because of its long introductory offer period. New cardholders can enjoy 21 months of no-interest financing on balance transfers. For new purchases, enjoy 0% APR for 12 months. Balance transfers must be completed within four months of account opening, and the 0% intro APR is good for 21 months from the date of the first transfer.

Additionally, you'll receive free access to your FICO Score, so you can monitor your score as you make progress in paying off your balance. The card also allows you to shop with confidence because it includes dependable purchase protections, including $0 liability on unauthorized purchases and a free ID Theft Protection program from MasterCard.

The U.S. Bank Visa Platinum Card was chosen because it offers the longest 0% introductory rates on spending and second longest on balance transfers. New customers receive 0% APR financing for 20 months on both purchases and balance transfers with this card. Balance transfers must be made within 60 days of opening your account, while all purchases during the promotional period receive the 0% APR offer.

There is no annual fee, but all balance transfers incur a 3% ($5 min) fee. An added bonus is cell phone protection up to $600 per occurrence with a $25 deductible and $1,200 in total coverage every 12 months.

We selected the U.S. Bank Business Platinum as best for business based on its 0% APR promotion for 20 months and standard APR, which is as low as 14.24%. The promotion covers transfers made during the first 30 days and purchases made at any time during the first 20 months.

There is no annual fee with this card, and U.S. Bank provides 24/7 customer service by business specialists. Additionally, business owners have free access to business card spending and reporting tools online.

People who dine out frequently can maximize their cash back with the Capital One SavorOne. This is the best card for dining rewards because it earns 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, plus 1% on all other purchases. Plus, 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.

Plus, earn 8% cash back on tickets at Vivid Seats through January 2023. There is no annual fee and Capital One does not charge foreign transaction fees on its card. New cardholders receive a 0% APR promo on purchases and balance transfers for 15 months and can earn a $200 cash bonus once you spend $500 on purchases within 3 months from account opening.

The best bonus cash back credit card is the Discover it Cash Back based on its 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn 1% cash back on all other purchases—automatically. Each quarter, Discover announces bonus categories and merchants where you can earn 5% cash back on the first $1,500 you spend each quarter.

However, you must activate the bonus before spending. At the end of the first year, all of the cash back earned is doubled instead of the traditional welcome bonus other cards offer. Additionally, balance transfers and purchases receive a 0% APR for 15 months after account opening.

Our choice for the best travel card with a 0% APR offer is the Chase Freedom Unlimited. For a limited time, you'll also earn 5% cash back on Lyft rides through March 2025.

New cardholders get 0% APR on purchases and balance transfers for 15 months and can get a $200 bonus after spending $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

Also, earn 5% on travel purchases through Chase Ultimate Rewards. Earn 3% on dining and restaurants, including takeout and eligible delivery services. Earn 3% on drugstore purchases. Earn 1.5% on all other purchases.