The Best 0% APR Credit Cards of 2019

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Cards with 0% APR periods let you avoid paying interest on purchases, balance transfers, or both for a limited time. For this list, we focused on cards with long introductory periods for purchases, and with one of these cards in your wallet, you may be able to pay for a large purchase over several months, without any finance charges. The best 0% APR credit cards on the market today offer lengthy introductory offers and low fees, plus the potential to earn rewards and score other cardholder perks.

Editors' Picks

Best Overall

Amex EveryDay® Credit Card

Our Rating Among 0% APR Cards
4.8
Amex EveryDay® Credit Card
Full Review
Next Steps
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.74% - 25.74% variable
Annual Fee No Annual Fee
Rewards Earning Rate Earn 2x points at US supermarkets on up to $6,000 per year. Earn 1 point for other eligible purchases.
Intro Purchase APR 0%
Intro Purchase APR Length (number of months) 15
Foreign transaction fee 2.7%

Why We Chose This Card

This top 0% APR credit card has a lot to offer, including a generous welcome offer (10,000 Membership Rewards Points after making $1,000 in purchases in your first 3 months) and a lucrative rewards scheme. You’ll also get 20% more points when you use your card at least 20 times per billing period and zero interest on balance transfers and purchases for the first 15 months (after, the APR is 14.74%-25.74% variable). Membership Rewards offer great flexibility and can be used for statement credits, gift cards, travel, or transfers to airline and hotel programs. 

Longest Intro APR Offer

Citi® Diamond Preferred® Credit Card

Our Rating Among 0% APR Cards
4.5
Citi® Diamond Preferred® Credit Card
Full Review
Next Steps
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 25.74% variable
Annual Fee No Annual Fee
Ongoing Balance Transfer APR (%) 15.74% - 25.74%
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Intro Balance Transfer APR (%) 0%
Intro Balance Transfer Fee This card does not offer an introductory balance transfer fee.
Intro Balance Transfer APR Length (number of months) 18

Why We Chose This Card

This credit card gives you a full 18 months with 0% APR on purchases and balance transfers—one of the longest offers in this niche. Take advantage of the year and a half you have to pay off a large purchase, but take note that after the introductory period ends, the APR is 15.74%-25.74% variable. Cardholders also receive some perks like purchase protection and access to Citi Entertainment. Plus, there’s no annual fee. 

Best for Simple Cash-Back Rewards

Capital One® Quicksilver® Cash Rewards Credit Card

Our Rating Among 0% APR Cards
4.7
Capital One® Quicksilver® Cash Rewards Credit Card
Full Review
Next Steps
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.24% - 26.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate 1.5 % Cash Back on every purchase, every day.
Intro Purchase APR 0%
Intro Purchase APR Length (number of months) 15
Foreign transaction fee 0%

Why We Chose This Card

Consumers who want to earn rewards and save on interest should check out the Capital One Quicksilver Cash Rewards Credit Card. This top offering comes with a lucrative sign-up bonus and a flat 1.5% cash back when you shop, but you’ll also secure 0% APR on purchases and balance transfers for 15 months. No foreign transaction fees, extended warranties, travel accident insurance and other perks round out this exceptional product.

Best With a Low Ongoing APR

Capital One® VentureOne® Rewards Credit Card

Our Rating Among 0% APR Cards
4.7
Capital One® VentureOne® Rewards Credit Card
Full Review
Next Steps
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.24% - 24.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate Earn 1.25 miles per dollar on every purchase.
Intro Purchase APR 0%
Intro Purchase APR Length (number of months) 12

Why We Chose This Card

While you should avoid carrying a balance past the introductory 0% APR period at all costs, the reality is that doesn’t always happen. If you don’t pay off your card at the end of the 15-month 0% purchase APR period, this card will hurt the least. Even on the high end of the APR range, it has a relatively low interest rate. You might also consider using this card to spread out the cost of a vacation: It’s easy to earn miles for each dollar you spend, there are no foreign transaction fees, and it offers other benefits such as auto rental coverage, travel accident insurance, and extended warranties.

Best for Boosting Rewards on Different Purchases

Chase Freedom®

Our Rating Among 0% APR Cards
4.7
Chase Freedom®
Full Review
Next Steps
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.99% - 25.74% variable
Annual Fee No Annual Fee
Rewards Earning Rate Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Intro Purchase APR 0%
Intro Purchase APR Length (number of months) 15
Foreign transaction fee 3%

Why We Chose This Card

The Chase Freedom gives a generous welcome bonus, flat-rate rewards, and the opportunity to earn bonus points in categories that change each quarter. You’ll also avoid interest charges for a full 15 months and qualify for decent benefits, such as extended warranties and purchase protection. There’s no annual fee, and Chase lets you pool all your Chase Ultimate Rewards points in one account.

What Is a 0% Purchase APR Offer?

While some credit cards advertise promotional balance transfer offers with zero interest, 0% purchase APR offers extend to purchases you make with your credit card. This means you can sign up for a card with a 0% purchase APR offer, use your credit card to pay bills or cover a large purchase, and then avoid paying interest for a limited time.

Promotional APR offers vary in length and scope, but you can often secure 0% APR on purchases for up to 15 months and sometimes longer. 

How Do 0% Purchase APR Offers Work?

Promotional credit card rates are nothing more than interest rates that last for a limited time. With a 0% purchase APR offer, you’ll pay zero interest on purchases you make with your card during your card’s introductory offer period. 

There are two main “gotchas” to be aware of with these offers. For starters, these promotional offers don't last forever. Once they end, your credit card’s interest rate will reset to the interest rate listed on your card agreement. 

Second, you could lose out on your promotional interest rate if you fall more than 60 days behind on your credit card bills. Worse, some credit card issuers may charge you a penalty interest rate once you’re 60 days behind, and that penalty APR is usually higher than your credit card’s ongoing variable rate.

Warning

Watch out for deferred interest offers, which are often advertised by retailers using language such as “no interest if paid in full within 12 months.” With deferred interest, if you fail to pay the balance in time, you’ll be charged interest back to the date of the purchase plus ongoing interest until your balance is paid in full.  

Credit cards that offer 0% APR on purchases almost always offer true zero interest promotional offers, meaning you’ll only pay interest on your current balances once your introductory offer ends. However, you should always read the fine print to check. 

Who Is a 0% Purchase APR Right For?

Credit cards that let you secure 0% APR for a limited time can help you save money if you have a plan to repay your debt and avoid credit card interest. Here are some other signs a 0% APR purchase credit card could be right for you:

  • You need to make a large purchase and have a plan to pay it off before your card’s 0% APR offer ends.
  • You have considerable income you can use to repay your debts.
  • You have good or great credit, meaning you can easily get approved for the top 0% APR credit cards.
  • You have good financial habits and a long history of avoiding long-term debt and staying on top of your bills.

Pros & Cons of 0% APR Promotional Credit Cards

Pros

  • Save money on interest for a limited time

  • Helps with cash flow when you need to make a large purchase

  • Some 0% purchase APR credit cards also offer rewards

Cons

  • You’re still borrowing money and you’ll have to pay it back

  • Your card’s interest rate resets to a high ongoing rate if you don’t pay your balance off before the introductory offer ends

  • Having 0% APR may entice you to spend more

How to Choose a 0% APR Credit Card

There are many credit cards that offer 0% APR on purchases, although some extend this benefit longer than others. Some 0% APR purchase credit cards offer rewards, in which case you can earn cash back or travel points on a large purchase you plan to make. 

Before you choose a 0% APR credit card, you should:

  • Figure out how much you need to borrow and how long you need to pay it off.
  • Decide whether earning rewards is important to you.
  • Look for other credit card benefits you may benefit from such as extended warranties, purchase protection, or travel insurance.

Once you’ve taken these steps, look for a card that gives consumers 0% APR on purchases for as long as you need it. Give preference to credit cards that offer rewards, a sign-up bonus, or consumer protections you would like to have.

Note

Cards with the longest 0% APR offers typically do not offer rewards. 

How to Make the Most Out of a 0% APR Credit Card

  • Use it for planned purchases you can pay off before your introductory offer ends.
  • If your card comes with a sign-up bonus, make sure to meet the minimum spending requirement in time to earn it.
  • Track your credit card spending closely to make sure you don’t borrow more than you can afford to repay.
  • Pay your credit card’s minimum payment (or more) before your due date each month to avoid late payments and potentially losing your 0% APR promotional offer.

What to Watch Out For

We already mentioned how 0% APR credit cards can help you save big on interest payments, but there’s plenty that can go wrong. Like all credit cards, 0% APR purchase cards come with their share of risks and pitfalls. Here’s what to watch out for:

  • Creeping credit card balances that can be difficult to pay off before your introductory offer ends
  • High ongoing variable rates; currently, for cards with balances, the average credit card APR is over 17%
  • Temptation to use credit cards to overspend or inflate your lifestyle
  • Late payments that may cause you to lose out on your 0% APR offer or pay a penalty APR.
  • The potential for long-term debt
  • Deferred interest offers that require you to pay backdated interest if you don’t pay your balance in full before your 0% APR offer ends

Methodology

At Jacara, we're dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.

Note

Our reviews are always impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

Dozens of credit cards in our database have introductory periods of 0% APR on purchases, and we consider all of them for this round-up. Cards with the best combination of long zero-interest periods, low fees, and rewards receive the highest ratings.

What We Score

Each credit card feature receives a score from 0 to 5, which we weight depending on how important it is to have on a credit card used for financing large purchases. Those weighted scores produce the star ratings you see above.

Interest

From our database of hundreds of cards, we identify the ones with an introductory period of 0% APR on purchases, and we evaluate the length of that intro period (the longer, the better). The next most important factor in this category score is a credit card's ongoing APR. While the point of a 0% APR period on purchases is to avoid accruing interest on a credit card balance, things don't always go as planned. So, our scoring model favors cards with relatively low standard APRs.

Important

When scoring a credit card's APR, we use the high end of its range, because only the most qualified applicants will receive the lowest APRs. For example, if a credit card has a regular APR of 14.49%-24.49%, the 24.49% APR determines the card's score for ongoing APR.

Only cards with true 0% APR periods on purchases receive the highest scores in our model—we ding cards that have a deferred interest structure. 

Fees

Annual fee is one of the most important factors in credit card decisions, particularly if you’re trying to save money with a 0% APR credit card. As a result, we give cards higher scores if they have no or low annual fees.

Cards with fewer overall fees score higher in our system, in general.

Rewards

You probably want to use your credit card after the introductory purchase period ends, so our scoring model favors cards that give you more than a no-interest offer. Cards with high rewards-earning rates, flexible redemption options, unlimited earning potential, and rewards that don’t expire fare the best under our methodology. 

Credit Score

We always look at the minimum recommended credit score when evaluating a credit card, because cards with high credit score requirements aren’t available to most people. That means cards that state they accept applicants with lower credit scores receive higher scores. We also give credit cards a higher score if they allow people to prequalify for a card, meaning a person can see if they have a good chance of getting approved before filling out an application that could have a negative effect on their credit score.

As we do in all methodologies we use to score credit cards, we evaluate a card’s customer experience and security features. These generally carry a small weight but can be the difference in score between a few very similar cards. For more information about how Jacara analyzes credit cards, see our full credit card review methodology.