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Enjoy a low Intro APR on purchases for 12 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express. Enjoy a low Intro APR on purchases for 15 months from the date of account opening and reduced plan fees when you split up large purchases into monthly installments with Plan It by American Express.

Travel Enjoy benefits that travel with you and earn points to use towards future travel. Cash Back Earn cash back on everyday purchases such as shopping, dining and more. Rewards Points Rewards start at just 1, points.

Use points at over leading brands. Skip to content. Menu Menu. United States Change Country. View all FAQs. Help Log In. Investment Management Financial Planning. Business Checking Business Line of Credit. How do I find and add Amex Offers to my Card? Business Line of Credit. Caps Apply. Apply Now. View Details. Getting more from your Card is always a great thing.

You can find out what the variable rate is by checking the rates and fees of your Card. If you prefer the ease of earning a statement credit, then browse our Cards with Cash Back. So, explore our options above and find the perfect fit for you. Learn more about the types of Rewards Cards American Express offers. View All Cards. Travel Rewards Credit Cards Travel Enjoy benefits that travel with you and earn points to use towards future travel.

Depending on your Card offer, the introductory period lasts for 12 or 15 months. After the 12 or month intro period, your Card will have a variable APR. Please refer to the rates and fees of your Card to see what the variable rate will be.


Cards with zero percent apr. 0% APR credit cards


Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. You won’t earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals.

Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card.

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. Select “Apply Now” to learn more about the product features, terms and conditions. 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. Enjoy 6.

No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U. Cash Back rewards do not expire as long as your account is open! Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. See if you qualify for a better offer with Chase:.

It’s not an ideal travel buddy because of its foreign transaction fee, which will make international travel more expensive. No categories to track or remember and cash rewards don’t expire as long as your account remains open. Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.

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. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. Then New cardholders can also earn a cash bonus. You have to opt in to the bonus categories every quarter, which can be a hassle.

Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Terms apply. You can find cards with longer intro APR periods. You can also find cards with higher spending caps — or no caps at all — on bonus rewards. After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

There’s a nice welcome offer, too. Balance Transfer is back! After that, Enrollment required. If you need to spread out payments on a purchase as long as possible without interest, the U. The card also offers cell phone protection if you use it to pay your wireless bill.

After that, a variable APR currently Certain terms, conditions, and exclusions apply. The U. The long-term value of this card depends on your appetite for actively managing your rewards, since you have to choose your own bonus categories. Still, a little effort can be very rewarding. Every purchase earns 1. Still, simplicity is a primary part of this card’s appeal. 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.

A variable APR of Raise your credit limit. Click the card name to read our review. You’ll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review. And that’s about it. Our pick for: Ongoing cash back.

Now it’s even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Our pick for: B onus category cash back.

And unlike competitors, there’s no activation schedule or bonus calendar to keep track of. Our pick for: Highest flat-rate cash back. Our pick for: Flat-rate cash back.

The original 1. Our pick for: G rocery and gas rewards. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.

Category activation can be a hassle, but if your spending aligns with those categories and for most households, it probably will , you can rake in serious rewards.

You also get the issuer’s signature “cash-back match” bonus in your first year. Our pick for: Customizable cash back. If you don’t mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available. There’s a good bonus offer for new cardholders, too. By Funto Omojola , NerdWallet.

The annual percentage rate, or APR, is the interest rate your credit card issuer charges on any debt you carry on your card. Some cards charge a single rate for all debt on the card; others charge different rates for different kinds of debt purchases, cash advances, etc. APRs are listed on your monthly credit card statement. That zero percent rate may apply to purchases, balance transfers or both, but it doesn’t usually apply to cash advances.

Issuers commonly set their rates at a certain number of percentage points above the prime rate, which is the rate big banks charge their best customers. Although interest rates are expressed in annual terms, they’re usually charged on a daily basis.

An annual rate of That doesn’t seem like much Most credit cards offer a “grace period” that allows you to avoid paying any interest at all. If you pay your balance in full each month, then you will not owe any interest on your purchases. If you carry debt over from month to month, then interest will start accruing on purchases as soon as they’re posted to your account. If you’re what the credit card industry refers to as a “transactor” — someone who uses their card for convenience and rewards and pays the bill in full every month — then your APR is pretty much irrelevant, because you’ll never pay a dime in interest.

On the other hand, if you’re a “revolver” — someone who uses cards to float purchases they can’t pay off all at once and carries debt from month to month — then your APR is very important, because it dictates how much you pay in interest. When you’re talking about credit cards, there is no difference between your interest rate and APR. They’re the same thing. That leads to another question: Why do credit card issuers refer to it as the “APR” rather than the interest rate?

Mostly because federal truth-in-lending laws require it. With some financial products, such as mortgages, the APR can be significantly different from the stated interest rate. Those other charges are not included in the credit card APR calculation, in large part because issuers cannot predict who will have to pay them or how much they will pay.

Once that introductory period runs out, interest will be charged at the ongoing APR — but only on your balance going forward. There is no “retroactive” interest. Zero-percent periods on credit cards are different from the “no interest for 12 months” offers you see in stores. Those are what’s known as “deferred interest. If you have any balance remaining at the end of the period, you will be charged interest on your whole purchase, going all the way back to the time of purchase.

That could cost you hundreds of dollars. Purchase APR. This is the rate your card charges when you pay for things with the card. Most credit cards offer a grace period: If you pay your balance in full every month, you won’t have to pay interest on purchases.

If you roll over debt from one month to the next, then interest will start adding up on a purchase as soon as you make it. Balance transfer APR.


Cards with zero percent apr


Your entire payment except for any fees is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate. The best zero-interest credit cards tout long promotional APR periods, usually between 14 to 21 months and can save you hundreds or thousands of dollars in interest.

Keep reading to learn more and to find the top offers from our partners. Anyone looking for a lengthy time period to pay off a new purchase or qualifying balance transfer should consider this Wells Fargo card to be a prime pick. This balance transfer card is a good choice for individuals looking to pay down debt or finance a larger purchase and pay it off within the interest-free period.

This card offers a generous introductory offer on both balance transfers and new purchases for cardholders committed to paying down a balance over time. Rewards-savvy cardholders can squeeze serious value out of this card thanks to its generous cash back rate in a variety of rotating categories.

Few no annual fee cards offer such a generous cash back rate on both dining and grocery store purchases, making the SavorOne a terrific fit for restaurant lovers and home cooks alike. On top of that, the card charges no foreign transaction fee, so you can indulge abroad without worrying about fees canceling out your rewards.

Eligible rewards categories like home improvement stores and select travel make the card an ideal choice for big expenses like a home renovation or family vacation, while categories like groceries and dining will give the card terrific value long after its intro APR period ends.

Used wisely, the Citi Custom Cash Card should offer terrific value and flexibility in both the short and long term thanks to its varied bonus categories and no-hassle rewards structure. No need to worry about tracking spending, juggling card categories or having an annual fee cut into your savings. If you want a no-hassle way to finance new purchases while earning unlimited cash back on everything you buy, the Quicksilver card could be a great fit.

Along with its solid mix of popular and practical cash back categories, this card could reward your good credit score with a relatively low ongoing APR.

This card offers solid rewards on U. Meanwhile, you can rack up even more rewards on extras like travel through Chase, dining and drugstores. Cardholders also skip the annual fee and late fees. With a lengthy intro APR on balance transfers made within the first four months, plus no late fees or penalties, the Citi Simplicity Card lives up to its name.

You can pick the eligible bonus category that suits you best each month while earning consistent rewards on some of your everyday purchases, making it a smart choice if you want to cover a lot of territory with a single card. This card gives you more control over where and when you earn rewards while still covering some everyday essentials, making it a solid all-purpose cash back card. This flat rate card with its unlimited 1.

Also of note in this intro offer is its unique Unlimited Cashback Match. This card will surely tick off a lot of boxes for a lot of people, particularly anyone hoping to tackle an existing card balance or pay off a splurge item.

With its high rewards rate and generous Cashback Match, cardmembers will absolutely want to stick around long after paying down their transferred balance. Related : Wells Fargo Reflect benefits. Read our U. Related : Discover it Cash Back rewards and benefits guide. Related : Is the BankAmericard credit card worth it?

Related : What credit score is needed for the Chase Freedom Unlimited card? Related : Citi Simplicity vs. Discover it Balance Transfer. When a bank issues a credit card, they charge the cardholder interest for borrowing money. After the promotional period has expired, the cardholder will be charged a different APR, which is considered the ongoing APR.

Cardholders may use a zero-percent intro APR card as a strategy for making a large purchase where they have several months to make interest-free payments or for transferring high-interest credit card debt so they can concentrate the entire monthly payment towards the balance. You will typically find a zero-percent intro APR credit card offer for new applicants meeting the credit score criteria of the issuing bank. The zero-percent intro APR cards have a defined amount of time where the zero-percent APR offer lasts, which usually ranges anywhere from 12 to 21 months.

The zero-percent intro interest offer may apply to purchases, balance transfers or both. The goal of a zero-percent APR credit card is to save money, but exactly how long someone needs to pay off their credit card balance will depend on their financial situation. Cardholders should also note any missed payments during the promotional period could void the intro offer and possibly activate a penalty APR, which is typically higher than an ongoing APR and adds costly interest charges.

For more information, read our full guide on how 0 APR credit cards work. But it depends on a number of factors, including how much you owe, your current APR, and how long it takes you to pay off your balance. For example, what if you could pay off a balance in full using a credit card with a month APR offer?

Keep in mind that if you do a balance transfer, most issuers charge a fee that will be added to total balance, which will cut into your total savings. Research methodology : We analyzed over 1, zero interest intro APR credit cards to identify some of the best offers on the market. The major factors we considered were:. Other criteria used include other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application and security features.

There are some intro APR cards that accept lesser credit and even no credit history, but their offers are typically not as rich.

Our CardMatch tool can help direct you to credit card offers that best align with your credit profile. This depends on the cardholder and their habits. For those looking to pay off big purchases or emergency expenses, a 0 percent intro APR card is a good fit.

It allows for steady payments over time without worrying about additional interest. Therefore, this card may not be the best long-term card for those who tend to keep balances on their card from month to month. Both can impact your credit score so make sure you know when your introductory period ends. Because most credit cards in the U.

Tracy Stewart. Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media.

Jeanine Skowronski. Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. Sally Herigstad. Sally Herigstad is a certified public accountant, author and speaker who writes about personal finance for CreditCards.

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On this page Jump to Our top picks Zero interest credit card details What are zero interest credit cards? Why trust us? Learn more. Our editorial team and our expert review board provide an unbiased analysis of the products we feature.

Our comparison service is compensated by our partners, and may influence where or how products are featured on the site.

Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers. Our rating: 4. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card’s primary category rating.

For more information, you can read about how we rate our cards. Add to compare. More information Close. Apply now at Wells Fargo’s secure site. Intro bonus No current offer. Regular APR Editor’s take. Overall rating Our rating: 4. Introductory Offer: 5. Features: 1. Issuer Customer Experience: 2. Pros The intro APR applies to purchases and qualified balance transfers. Bottom Line Anyone looking for a lengthy time period to pay off a new purchase or qualifying balance transfer should consider this Wells Fargo card to be a prime pick.