13 Best 0% APR Credit Cards of December 2024

There's a 0% Intro APR for 18 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 15.74%-25.74% will apply.

The card doesn't earn ongoing rewards, so its utility beyond the 0% period is limited. Consider upgrading your account to a Bank of America® rewards card when the time comes.

Few cards offer a promotional window like this one: You'll get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.49%, 23.99%, or 29.24% Variable APR. The card also offers cell phone protection if you use it to pay your monthly bill.

You won't earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals. So the card's usefulness after the 0% promotion runs out is limited.

You get an introductory 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74% Variable APR. This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. New cardholders also get a solid bonus offer.

Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories. Still, this card's combination of rewards and 0% period makes it a formidable choice.

This card has a 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; balance transfer fee applies. You'll earn unlimited 3% cash back on dining, on entertainment, at grocery stores and on eligible streaming services; and 8% on Capital One Entertainment purchases. Other purchases earn 1% back. And don't forget the sign-up bonus.

If your spending is more concentrated in one food category over the other — dining out or cooking at home — you might do better with a card that specializes in one of those areas.

You get a 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.99%-28.99% Variable APR. The card also offers cell phone protection if you use it to pay your wireless bill.

This card offers no rewards; when the 0% period runs out, consider switching your account to one of U.S. Bank's rewards credit cards.

Start with a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.49%-29.49% Variable APR. You earn 3% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per year in spending in each category). Other purchases earn 1% back. (Terms apply.) There's a nice welcome offer, too.

This card doesn't offer the transit or streaming benefits of its annual-fee cousin, the Blue Cash Preferred® Card from American Express. And if you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on that card because you'll come out ahead with the higher rewards rate. But that other card has a shorter 0% intro APR period.

You get a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.74%-27.74% Variable APR. You'll earn 5% cash back on rotating bonus categories that you activate (on up to $1,500 in spending per quarter) and 1% back on all other spending. All the while during your first year, you're earning Discover's signature new-cardholder bonus.

Rewards-wise, it can be a hassle to track bonus categories and opt in to them every quarter. And you have to wait a full year to collect your bonus.

You get an introductory 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74%, Variable APR. This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%; activation required); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can also earn a cash bonus.

With its combination of fixed and rotating bonus categories, this card isn't known for simplicity. And having to opt in to the bonus categories every quarter can be a hassle.

You get a 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-28.99% Variable APR. This card earns 5% cash back in two categories you choose from among a dozen options (see our review for the full list), on up to $2,000 per quarter in combined spending (then 1%); unlimited 2% cash back in an "everyday" category of your choice; and 1% elsewhere.

Rotating category cards involve work, and this one adds an extra layer of effort because you have to pick your categories each quarter. Forget to do so, and you'll earn only 1%. Further, the 5% categories tend to be more specialized than on comparable cards, so you might have trouble maxing out bonus rewards.

This card offers 0% intro APR on purchases and balance transfers for 15 months, and then the ongoing APR of 18.49%-28.49% Variable APR. Plus, it earns 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back on other purchases). There's a good bonus offer, too. (See our review for full list of eligible categories.)

The amount of spending eligible for 5% cash back is fairly low. You can find cards with higher spending caps — or no caps at all — on bonus rewards.

This card offers a 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 18.74%-28.74% will apply. You'll also earn 1.5% back on all purchases, which you can boost as high as 2.625% if you're a member of the issuer's Preferred Rewards program. There's a good sign-up bonus, too.

The simplicity of a flat-rate cash-back card comes with trade-offs. You don't have to keep track of bonus categories, but you'll also miss out on the elevated rewards rates that a bonus-category card can offer.

You get a 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 18.74%-28.74% will apply. You'll earn 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending in those categories. All other purchases earn 1% cash back. (See our review for the full list of 3% options; you can change your choice once a month.)

The rewards structure is somewhat complicated. Because the amount of spending eligible for the 3% and 2% rewards is capped, you might earn more rewards with a simple flat-rate card that pays an unlimited 1.5% or 2% on everything.

You get 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; balance transfer fee applies. Every purchase earns 1.5% cash back, with no limit to what you can earn, and new cardholders get a good bonus offer.

Depending on how you spend money, you might earn more rewards with a card that pays higher rates in specific categories. Still, simplicity is central to this card's appeal.