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Best 0% Interest Credit Cards: 0% APR for up to 21 Months

Pay no interest for a limited time with these 0% APR credit cards
  • Find the card that best meets your needs
  • See why a 0% APR card may be a good fit for you
  • Learn how opening a 0% APR credit card can help you save money
  • Get advice on choosing the best card from our credit experts
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Holly D. Johnson - Contributor Updated: 26 January 2023 5 Min Read
Reviewed By Bestcovery - Editorial Team
Why Trust Us?

Credit cards that advertise 0% introductory APR offers can help you save some cash as you pay down large purchases, consolidate debt, or both. However, you need to make sure you read all the fine print.

Where some 0% APR credit cards extend their intro APR to purchases only, others only let you skip interest on balance transfers. And either way, 0% APR offers are only good for a limited period of time. After your introductory period is up, your interest rate will revert to your card’s purchase APR, which is almost always on the high side.

If you’re searching for the best card with a 0% intro APR on new purchases or balance transfers, you should look closely at each offer and details like their introductory period and cardholder perks. To help in your search, we compared the best zero-interest credit cards on the market today to find the best of the best.

Our picks for the best 0% interest credit cards

Best 0% Interest Credit Cards of 2023

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U.S. Bank Visa® Platinum Card

Best for Large Balance Transfers | 20 Billing Cycles of 0% APR

Why we like it

The U.S. Bank Visa® Platinum Card is ideal for large balance transfers due to the simple fact you get zero-interest for 20 full billing cycles with a reasonable 3% (minimum $5) transfer fee. You also get a handful of perks including cell phone protection and a free credit score. Best of all, there’s no annual fee.

U.S. Bank Visa® Platinum Card

PROS

  • Lengthy 0% APR offer for purchases and balance transfers
  • Reasonable balance transfer fee
  • Cell phone protection included

CONS

  • No rewards
  • Charges 3% in foreign transaction fees
  • High purchase APR after intro period

Citi® Diamond Preferred® Card

Best for Debt Consolidation | Up to 21 Months of 0% APR

Why we like it

The Citi® Diamond Preferred® Card is excellent for debt consolidation due to the fact this issuer offers 0% APR on balance transfers for a full 21 months. In the meantime, cardholders also get 0% APR on purchases for 12 months, which can be beneficial for those who want to temporarily carry a balance for new purchases from month-to-month. There isn’t an annual fee to pay, either.

Citi® Diamond Preferred® Card

PROS

  • Lengthy 0% intro APR offer for debt consolidation
  • No annual fee

CONS

  • No rewards
  • Requires a 5% (minimum $5) balance transfer fee
  • Charges 3% in foreign transaction fees

Citi® Double Cash Card

Best Long-Term Option | 18 Months of 0% APR

Why we like it

The Citi® Double Cash Card is an excellent long-term card to consider if you need to consolidate debt but you want a rewards card you can keep for the long haul. You won’t earn cashback on balances you transfer to the card, but you do get 0% APR on balance transfers for a full 18 months. From there, you can use your card to earn 2% back on all your spending — 1% when a purchase is made and another 1% when it is paid off.

Citi® Double Cash Card

PROS

  • Lengthy intro APR offer for balance transfers
  • Excellent 2% rewards rate for purchases
  • No annual fee

CONS

  • No introductory period for purchases
  • Rewards are partially delayed until you pay your purchases off

Compare the Best 0% Interest Credit Cards

Learn about the top credit cards
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Why should you care about your credit card’s interest rate?

If you are wondering why you should care about your credit card’s interest rate, it can help to understand what a credit card APR is and why it matters.

Ultimately, your card’s APR (annual percentage rate) represents the price you’ll pay when you use your card to carry a balance from month-to-month. While you can avoid credit card interest by paying your balance in full each month, your card’s APR will make everything you buy cost more if you decide to carry debt.

While 0% APR cards can help you skip interest altogether for the short-term, a low-interest credit card can be useful for those seeking long-term interest savings. However, other types of credit, including personal loans, typically come with lower interest rates than credit cards.

How much can you save with a 0% APR credit card?

How much you’ll save with a low-interest credit card depends on several important factors:


While plenty of variables can impact your savings, consider this example:

Imagine you are someone who has $5,000 in credit card debt on a card with a 19% APR. You’re currently paying $300 per month in order to pay down your balances as quickly as possible, but your card’s high interest rate is impeding your progress.

Now let’s say you transferred this debt to a card with 0% APR. You would pay a 3% balance transfer fee upfront, which means you would start with a new debt balance of $5,150.

If you paid the same $300 per month you were paying before and never paid your bill late, you would become entirely debt-free in less than 18 months. This means the total cost of paying off your debt equals $150 — the cost of your balance transfer fee.

If you never consolidated your debt, on the other hand, paying $300 a month would require you to make payments for 20 months before you were debt-free. In the meantime, your card issuer would charge you $752 in additional interest payments.

Credit card APRs explained

You may be aware that your credit card charges different APRs, but you should also know when different interest rates are applied.

By learning about the different credit card APRs and when they might come into play, you can take steps to avoid interest charges altogether.

Reasons to get a 0% APR credit card

There are myriad reasons to pick up a credit card with 0% APR, and more than one can apply to your situation.

Here are the main reasons you should consider a zero-interest card:

You want to consolidate other debts

If you have high-interest debts to consolidate from other cards, a 0% APR credit card can help. Just remember that balance transfer fees apply and that you need to have a plan to pay down all or most of your balance before your introductory period ends.

You have a large purchase coming up

Maybe you need to buy new appliances or furniture and you want to spread out the payments over more than a year. In that case, a credit card with 0% APR on purchases can work as a short-term loan with no interest charges required.

You may need to carry a balance in the near future

Maybe money is tight, and you’re worried you may need to carry debt for the short term. In that case, a 0% APR credit card could help you save on interest for a limited time.

You want a low-interest credit card just in case

Perhaps you are looking at low-interest-rate credit cards to have just in case. While introductory APR offers won’t last forever, cards with 0% APR can give you some time to pay down debt without having to worry about interest and fees.

How we chose the best 0% APR credit cards

We looked at more than 100 cards from every major issuer in order to find the best cards with 0% APR available today.

Factors we compared include each card’s intro APR, balance transfer APR, and ongoing APR. We also looked at the regular purchase APR that applies after the intro period, and we compared introductory offers based on their length.

Other card issuer factors we looked at include rewards rates, bonus offers, and complimentary credit card perks like free FICO scores, cell phone insurance, and roadside assistance.

0% interest credit cards FAQ

Holly D. Johnson
Holly D. Johnson Contributor

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade. 

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.