How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (2024)

Personal Finance Credit Cards

Written by Holly Johnson and Tessa Campbell; edited by Katherine Fan; reviewed by Angela Fung

Updated

  • Best for Long 0% APR
  • Best Rotating Cash Back
  • Best 0% APR from Chase
  • Best Flat-Rate Cash Back
  • Best Grocery Bonuses
  • Best from Capital One
  • Best for Optimizing Rewards
  • Best for Dining Rewards
  • Best for Building Credit
  • FAQs
  • Why You Should Trust Us

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Citi Custom Cash℠ Card, Citi Strata Premier℠ Card, Citi Prestige® Card. The details for these products have not been reviewed or provided by the issuer.

A credit card that offers 0% interest for a period of time can help you save money when you need to carry a balance on your purchases. Business Insider reviewed dozens of the best credit cards with introductory 0% APR offers to come up with the 10 best-in-class products.

Best 0% Interest Credit Cards for July 2024

  • Best for long introductory APR period: Wells Fargo Reflect® Card
  • Best for rotating cash-back categories: Discover it® Cash Back
  • Best Chase option: Chase Freedom Unlimited®
  • Best ongoing cash rewards: Wells Fargo Active Cash® Card
  • Best bonus cash back at U.S. supermarkets: Blue Cash Everyday® Card from American Express
  • Best for booking Capital One Travel: Capital One Quicksilver Cash Rewards Credit Card
  • Best for dining cash back: Capital One SavorOne Cash Rewards Credit Card
  • Best for optimizing cash back: Citi Custom Cash℠ Card
  • Best for building credit: Chase Slate Edge℠

Top Credit Cards With 0% Interest Comparison

Extra-long 0% intro APR offer

Wells Fargo Reflect® Card

Apply now

On Wells Fargo's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 18.24%, 24.74%, or 29.99% variable APR

Annual Fee

$0

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days

Regular APR

18.24%, 24.74%, or 29.99% variable

Intro Offer

N/A

Recommended Credit

Good to Excellent

Pros

  • Extra-long intro APR on purchases and qualifying balance transfers
  • No annual fee
  • Cell phone protection

Cons

  • No rewards
  • Foreign transaction fees

Insider’s Take

If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.

Wells Fargo Reflect Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Rotating cash-back categories

Discover it® Cash Back

Apply now

On Discover's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.8/5

Perks

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Annual Fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

18.24% - 28.24% Variable

Intro Offer

Unlimited Cashback Match™ – Discover will automatically match all the cash back you’ve earned at the end of your first year

Earn Unlimited Cashback Match™

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • From July 1 to September 30, 2024, you can earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%
  • Discover will match your cash back earned at the end of your first account year
  • No annual fee

Cons

  • Cap on how much bonus cash back you can earn each quarter
  • If the quarterly categories aren't convenient for you, you can earn more cash back with a different card

Insider’s Take

The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.

Discover it Cash Back review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Best Chase intro APR card

Chase Freedom Unlimited®

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.35/5

Perks

Earn 5% cash back on travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

20.49% - 29.24% Variable

Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back

Earn an additional 1.5% cash back on everything you buy

Recommended Credit

Good to Excellent

Pros

  • Solid flat cash-back rate
  • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
  • No annual fee

Cons

  • Some other cards offer a higher rate of cash back on certain types of purchases

Insider’s Take

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

Chase Freedom Unlimited review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Our favorite cash rewards card

Wells Fargo Active Cash® Card

Apply now

On Wells Fargo's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% variable

Intro Offer

$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening

Earn $200 cash rewards bonus

Recommended Credit

Good to Excellent

Pros

  • Good welcome bonus for a $0 annual fee card
  • Straightforward 2% cash rewards on purchases with no categories to track
  • Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers

Cons

  • If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
  • Foreign transaction fees

Insider’s Take

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.

Wells Fargo Active Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Intro APR and bonus cash back at U.S. supermarkets

Blue Cash Everyday® Card from American Express

Apply now

On American Express's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases. Cash back is received as Reward Dollars that can be redeemed as a statement credit.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership

Earn a $200 statement credit

Recommended Credit

Good to Excellent

Pros

  • Good bonus cash-back rate at U.S supermarkets
  • No annual fee.

Cons

  • If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.

Insider’s Take

The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.

Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Bonus cash back on hotels and rental cars booked through Capital One Travel

Capital One Quicksilver Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.1/5

Perks

Earn unlimited 1.5% cash back on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

one-time $200 cash bonus once you spend $500 on purchases within three months of account opening

Earn a one-time $200 cash bonus

Recommended Credit

Good to Excellent

Pros

  • Earns 1.5% cash back on every purchase
  • Intro APR on purchases and balance transfers
  • No annual fee and no foreign transaction fees

Cons

  • Other cards earn more cash back

Insider’s Take

If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.

Quicksilver Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

High cash back on dining

Capital One SavorOne Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.15/5

Perks

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

$200 cash back after you spend $500 on purchases within three months from account opening

Earn $200 cash back

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Bonus cash back on dining, entertainment, and grocery store purchases
  • Long intro APR period for purchases and balance transfers

Cons

  • Other cards earn more cash back in certain bonus categories
  • Not the highest sign-up bonus among cash-back cards

Insider’s Take

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best intro APR card if your spending changes month to month

Citi Custom Cash℠ Card

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (8)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4/5

Perks

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers and purchases for 15 months

Regular APR

19.24% - 29.24% Variable

Intro Offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)

Recommended Credit

Excellent, Good, Fair

Pros

  • Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
  • Generous welcome offer for a no-annual-fee card
  • No rotating bonus categories to sign up for or track
  • Redeem for cash back, travel, gift cards, and more

Cons

  • Only earns 1% back outside of $500 in top spending category each billing cycle
  • Foreign transaction fee of 3%

Insider’s Take

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.

Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

For starting out or building credit

Chase Slate Edge℠

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (9)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

2.75/5

Perks

0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 18 months from account opening

Regular APR

20.49% - 29.24% Variable

Intro Offer

N/A

Recommended Credit

Good to Excellent

Pros

  • Introductory APR on purchases and balance transfers for the first 18 months
  • No annual fee
  • Potential for automatic consideration for credit limit increases and purchase APR reductions

Cons

  • Card doesn’t earn rewards beyond the welcome bonus
  • Other cards have longer intro APR offers
  • Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments

Insider’s Take

If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.

Chase Slate Edge review External link Arrow An arrow icon, indicating this redirects the user."

Best 0% Introductory APR Credit Card Reviews

Zero-interest credit cards for large purchases offer long periods with 0% introductory APR so you can pay off your outstanding balance without paying anything extra.

The best cards for 0% introductory APR may also offer the same benefit for balance transfers, or earn generous rewards on select bonus categories such as supermarkets, travel, dining, and more.

The cards in this guide were hand-selected by Business Insider's team of credit card experts as the top 0% intro APR credit cards of 2024.

Best Intro APR Card for a Long Introductory Period

Wells Fargo Reflect® Card

Introductory APR offer:0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 18.24%, 24.74%, or 29.99% variable APR

Annual fee:$0

Rewards:N/A

If you're looking for an ultra-long period of no interest, the Wells Fargo Reflect® Card fits the bill. It's got an outstanding intro APR offer.

The downside is that the card doesn't earn rewards for spending, so if that's important to you, you might be better off with a card that offers a slightly shorter zero-interest period that does earn rewards. Beyond the intro APR offer, the card comes with a modest array of benefits, including cell phone protection and roadside dispatch.

Wells Fargo Reflect Credit Card Review

Extra-long 0% intro APR offer

Wells Fargo Reflect® Card

Apply now

On Wells Fargo's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 18.24%, 24.74%, or 29.99% variable APR

Annual Fee

$0

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days

Regular APR

18.24%, 24.74%, or 29.99% variable

Intro Offer

N/A

Recommended Credit

Good to Excellent

Pros

  • Extra-long intro APR on purchases and qualifying balance transfers
  • No annual fee
  • Cell phone protection

Cons

  • No rewards
  • Foreign transaction fees

Insider’s Take

If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.

Wells Fargo Reflect Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Best Intro APR Card for Rotating Cash Back Categories

Discover it® Cash Back

Introductory APR Offer: 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 28.24% Variable APR

Annual Fee: $0

Rewards:Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Consider the Discover it® Cash Back if you want to earn rewards and save money on interest without an annual fee. Once you enroll, this card lets you earn 5% back on up to $1,500 spent in quarterly bonus categories that change every three months (then 1%) plus 1% back on all other purchases (from July 1 to September 30, 2024, earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%).

Discover Cashback Match will match all the cash back you earned in your first year of card membership, which works as a delayed welcome bonus of sorts. And that's not to mention the lucrative intro APR offer this card extends.

Discover it Cash Back Card Review

Rotating cash-back categories

Discover it® Cash Back

Apply now

On Discover's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.8/5

Perks

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Annual Fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

18.24% - 28.24% Variable

Intro Offer

Unlimited Cashback Match™ – Discover will automatically match all the cash back you’ve earned at the end of your first year

Earn Unlimited Cashback Match™

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • From July 1 to September 30, 2024, you can earn 5% cash back atWalmart and grocery stores on up to $1,500 in purchases after enrollment, then 1%
  • Discover will match your cash back earned at the end of your first account year
  • No annual fee

Cons

  • Cap on how much bonus cash back you can earn each quarter
  • If the quarterly categories aren't convenient for you, you can earn more cash back with a different card

Insider’s Take

The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.

Discover it Cash Back review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Best 0% Intro APR Chase Credit Card

Introductory APR Offer: 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 20.49% - 29.24% Variable APR

Annual Fee: $0

Rewards:Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

The Chase Freedom Unlimited® starts new customers off with additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

They can also earn 5% back on travel booked through Chase Travel℠, 3% back on dining and drugstores, and 1.5% back on all other purchases.

Considering the card's intro APR offer, the Chase Freedom Unlimited® is a standout choice for consumers who want to earn rewards on a big purchase and pay down their balance over time without paying any interest.

Chase Freedom Unlimited Review

Best Chase intro APR card

Chase Freedom Unlimited®

Apply now

On Chase's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.35/5

Perks

Earn 5% cash back on travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

20.49% - 29.24% Variable

Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back

Earn an additional 1.5% cash back on everything you buy

Recommended Credit

Good to Excellent

Pros

  • Solid flat cash-back rate
  • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
  • No annual fee

Cons

  • Some other cards offer a higher rate of cash back on certain types of purchases

Insider’s Take

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

Chase Freedom Unlimited review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Best 0% Intro APR Card with Flat-Rate Cash Rewards

Introductory APR offer: 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a 20.24%, 25.24%, or 29.99% variable APR.

Annual fee:$0

Rewards: Earn unlimited 2% cash rewards on purchases.

If you're looking for a card with a solid welcome bonus offer and strong Wells Fargo Rewardsearning on all purchases, the Wells Fargo Active Cash® Card is an excellent choice. New cardholders earn $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.

The card's intro APR offer is generous, and you'll have access to a number of good benefits, including cellphone protection. Just be aware this card charges foreign transaction fees, so it's not a good pick for international travel.

Wells Fargo Active Cash Card Review

Our favorite cash rewards card

Wells Fargo Active Cash® Card

Apply now

On Wells Fargo's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.3/5

Perks

Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% variable

Intro Offer

$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening

Earn $200 cash rewards bonus

Recommended Credit

Good to Excellent

Pros

  • Good welcome bonus for a $0 annual fee card
  • Straightforward 2% cash rewards on purchases with no categories to track
  • Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers

Cons

  • If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
  • Foreign transaction fees

Insider’s Take

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.

Wells Fargo Active Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Best 0% Intro APR Card for Bonus Cash at U.S. Supermarkets

Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 19.24% - 29.99% Variable APR

Annual fee:$0

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

The Amex Blue Cash Everyday Card offers a welcome bonus of $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.

You can also earn 3% back on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), 3% back at U.S. gas stations on up to $6,000 spent in purchases and at U.S. supermarkets each calendar year (then 1%), 3% back on online retail purchases on up to $6,000 spent at U.S. supermarkets each calendar year (then 1%), and 1% back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout).

Blue Cash Everyday Amex Card Review

Intro APR and bonus cash back at U.S. supermarkets

Blue Cash Everyday® Card from American Express

Apply now

On American Express's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases. Cash back is received as Reward Dollars that can be redeemed as a statement credit.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership

Earn a $200 statement credit

Recommended Credit

Good to Excellent

Pros

  • Good bonus cash-back rate at U.S supermarkets
  • No annual fee.

Cons

  • If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.

Insider’s Take

The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.

Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Best 0% Intro APR Card for Booking Travel with Capital One

Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable APR (rates and fees)

Annual fee: $0

Rewards:Earn unlimited 1.5% cash back on all purchases.

The Capital One Quicksilver Cash Rewards Credit Cardearns an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% back on all other eligible purchases, and that's on top of the welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.

Since this card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR, it's an excellent option for debt consolidation or avoiding interest on large purchases.

The Quicksilver Cash Rewards Card also offers cardholders up to six months of Uber One monthly membership (through November 14, 2024).

Capital One Quicksilver Cash Rewards Credit Card Review

Bonus cash back on hotels and rental cars booked through Capital One Travel

Capital One Quicksilver Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.1/5

Perks

Earn unlimited 1.5% cash back on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

one-time $200 cash bonus once you spend $500 on purchases within three months of account opening

Earn a one-time $200 cash bonus

Recommended Credit

Good to Excellent

Pros

  • Earns 1.5% cash back on every purchase
  • Intro APR on purchases and balance transfers
  • No annual fee and no foreign transaction fees

Cons

  • Other cards earn more cash back

Insider’s Take

If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.

Quicksilver Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best 0% Intro APR Card for Optimizing Cash Rewards Each Month

Introductory APR Offer: 0% intro APR on balance transfers and purchases for 15 months, followed by a 19.24% - 29.24% Variable APR

Annual fee: $0

Rewards: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

The Citi Custom Cash℠ Card is a great choice if your spending habits tend to change from month to month. It offers a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. In addition, cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.

The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Although it's marketed as a cash-back card, the Citi Custom Cash℠ Card actually earns Citi ThankYou points, which are worth 1 cent apiece for cash back, travel booked through Citi, gift cards, merchandise, and more. And again, if you have a Citi Strata Premier℠ Card or Citi Prestige® Card (no longer available to new applicants), you can pool your rewards and transfer points to Citi's airline and hotel partners.

Citi Custom Cash Card Review

Best intro APR card if your spending changes month to month

Citi Custom Cash℠ Card

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (16)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4/5

Perks

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers and purchases for 15 months

Regular APR

19.24% - 29.24% Variable

Intro Offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)

Recommended Credit

Excellent, Good, Fair

Pros

  • Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
  • Generous welcome offer for a no-annual-fee card
  • No rotating bonus categories to sign up for or track
  • Redeem for cash back, travel, gift cards, and more

Cons

  • Only earns 1% back outside of $500 in top spending category each billing cycle
  • Foreign transaction fee of 3%

Insider’s Take

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.

Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."

Best 0% Intro APR Card for Dining Rewards

Introductory APR offer: 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable APR (rates and fees)

Annual fee: $0

Rewards:Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

If your goal is earning cash back while saving on interest on purchases, check out the Capital One SavorOne Cash Rewards Credit Card. This card has a good welcome offer: $200 cash back after you spend $500 on purchases within three months from account opening.

You can earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through November 14, 2024, and 8% cash back on Capital One Entertainment purchases. You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel; 3% back on dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and streaming services, and 1% back on everything else you buy.

Capital One SavorOne Card Review

High cash back on dining

Capital One SavorOne Cash Rewards Credit Card

Apply now

On Capital One's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.15/5

Perks

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

Regular APR

19.99% - 29.99% Variable

Intro Offer

$200 cash back after you spend $500 on purchases within three months from account opening

Earn $200 cash back

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Bonus cash back on dining, entertainment, and grocery store purchases
  • Long intro APR period for purchases and balance transfers

Cons

  • Other cards earn more cash back in certain bonus categories
  • Not the highest sign-up bonus among cash-back cards

Insider’s Take

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best 0% Intro APR Card for Building Credit

Introductory APR offer: 0% intro APR on purchases and balance transfers for 18 months from account opening, then a 20.49% - 29.24% Variable APR

Annual fee:$0

Rewards:N/A

The Chase Slate Edge℠ comes with no welcome bonus offer, and it doesn't earn rewards. It's geared toward those who are taking steps to improve their financial situation, and offers features that can help you increase your credit score and reduce the amount of interest you pay.

One benefit designed to help you build your creditis an automatic, one-time review for a higher credit limit if you've paid on time and spent at least $500 in your first six months of opening the Chase Slate Edge℠. A higher limit could have a positive effect on your credit utilization ratio and potentially improve your credit score.

In addition, on each account anniversary, you'll be considered for a 2% APR reduction, as long as you've paid your card on time and spent at least $1,000 on purchases in the previous anniversary year. The reduction is capped, though — it will only be reduced until your APR reaches the Prime Rate plus 9.74% (Prime Rate is 8.50% as of 7/27/2023).

Chase Slate Edge Card Review

For starting out or building credit

Chase Slate Edge℠

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (18)

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

2.75/5

Perks

0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 18 months from account opening

Regular APR

20.49% - 29.24% Variable

Intro Offer

N/A

Recommended Credit

Good to Excellent

Pros

  • Introductory APR on purchases and balance transfers for the first 18 months
  • No annual fee
  • Potential for automatic consideration for credit limit increases and purchase APR reductions

Cons

  • Card doesn’t earn rewards beyond the welcome bonus
  • Other cards have longer intro APR offers
  • Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments

Insider’s Take

If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.

Chase Slate Edge review External link Arrow An arrow icon, indicating this redirects the user."

Zero-Interest Credit Card Frequently Asked Questions

How do 0% interest credit cards work?

Credit cards with 0% introductory interest periods allow you to carry a balance for a specified period of time without paying interest, as long as you make at least the minimum payment each month. These cards come with a 0% intro APR on purchases, balance transfers, or both. As long as you pay off the entire balance before the introductory period ends, you won't pay interest on your balance.

Should I pay off a 0% intro APR credit card?

Yes, you need to pay off your 0% interest credit card eventually, because the intro offer won't last forever. During the introductory period, you typically need to make the minimum payment on the card (if not more) in order to avoid losing your intro 0% APR. You should have a plan to pay off your entire balance before the intro period ends to avoid paying interest on your remaining balance.

How do I get a card with 0% interest?

You can get a 0% interest credit card by applying online. You can also check with your bank in person to see if it offers any 0% intro APR cards that appeal to you. Keep in mind most cards with intro APR offers require you to have at least a good credit score, which means a FICO score of 670 or higher.

Does a 0% APR credit card hurt your credit?

Using a zero interest credit card won't hurt your credit. In fact, if the intro APR offer allows you pay down your debt before the intro period ends, it could actually help your credit score by reducing your amount owed. Make sure to only spend what you can afford to pay off to avoid incurring more debt and high interest fees.

Why You Should Trust Us: How We Chose the Best Credit Cards with Zero Interest

Business Insider chose the best credit cards with 0% introductory APR offers by looking through all the credit cards that offered zero-interest periods. We then evaluated the terms and length of each introductory offer, with ranking cards longer introductory periods ranking more highly than others. We also considered rewards, like cash back or travel points, card benefits, and factors like annual fees and foreign transaction fees.

Here's Business Insider's methodology for how we rate credit cards.

Holly Johnson

Freelance Writer

Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson ownsClub Thriftyand is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."

Tessa Campbell

Investing and Retirement Reporter

Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.ExperienceTessa currently reports on all things investing — deep-diving into complex financial topics, shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.Expertise:Tessa’s expertise includes:

  • Credit cards
  • Investing apps
  • Retirement savings
  • Cryptocurrency
  • The stock market
  • Retail investing

Education:Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.

Angela Fung

Marketing Compliance Manager

Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.

Top Offers From Our Partners

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (22)

NexBank High Yield Savings Account Earn 5.26% Annual Percentage Yield (APY). $1 minimum deposit. FDIC Insured.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

How to Choose the Best Low Interest or 0% APR Credit Card for You in July 2024 (23)

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FAQs

Why 0% APR might not be good for your credit? ›

However, a 0 percent intro APR card can hurt your credit if it causes you to carry a higher balance than usual or if you carry your balance beyond the introductory 0 percent APR period. Applying for a 0 percent intro APR card could temporarily cause your credit score to drop.

What credit card has the longest 0% interest rate? ›

Longest 0% Intro APR Cards for Purchases
  • Wells Fargo Reflect® Card: Best for Long Intro APR on Purchases and Balance Transfers from Wells Fargo (21 months)
  • U.S. Bank Visa® Platinum Card *: Best for Long Intro APR from U.S. Bank (21 billing cycles)
Jul 2, 2024

What is the best credit card with low interest? ›

Best Low Interest Credit Cards for July 2024:
  • Best for large purchases: Wells Fargo Active Cash® Card.
  • Best 1.5% cash back card: Capital One Quicksilver Cash Rewards Credit Card.
  • Best for flat and bonus cash back rates: Chase Freedom Unlimited®
  • Best for everyday spending: Citi Rewards+® Card.

When choosing a credit card is it better to have a low or high interest rate? ›

It depends on the type of card you're looking at, as well as your own credit. A credit card APR below 10% is definitely good, but you may have to go to a local bank or credit union to find it. The Federal Reserve tracks credit card interest rates, and an APR below the average would also be considered good.

Why should you avoid 0% interest? ›

Avoiding interest is always a good goal, but zero-interest loans can lead buyers to overspend and come with a lot of strings attached. Carefully evaluate your purchase—is this what you intended to buy, and will you realistically pay off the loan within the given time?

Are 0% credit cards worth it? ›

Credit cards with 0% interest on purchases can be a good way to spread cost and build up your credit score. For example, you could use one to book flights, pay for a holiday or cover the cost of home improvements and then pay it back in monthly repayments.

What is a 5 24 rule? ›

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

What credit score do you need to get 0% credit card? ›

0% APR cards require good to excellent credit

This means you'll need a FICO credit score of at least 670 or a VantageScore credit score of at least 661. If you have very good or excellent credit, which means a FICO score of at least 740 or a VantageScore of at least 781, your chances of approval are even higher.

What is a good interest rate on a credit card right now? ›

Average Credit Card Interest Rates by Category
CategoryLatest AverageQ2 2024
Excellent Credit18.26%18.20%
Good Credit24.40%24.36%
Fair Credit26.85%26.85%
Secured Cards22.91%22.87%
5 more rows

Can you negotiate a lower APR? ›

Fortunately, you may be able to combat this by simply calling your credit card issuer and negotiating a lower rate. While it's possible that your request may be declined, there are other options that can help you potentially secure a lower interest rate.

How many credit cards are ideal? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

Why is my APR so high if I have good credit? ›

Key Takeaways. Your interest rate may have nothing to do with your credit score. Rewards credit cards typically charge a higher APR than cards without rewards. When you pay your entire statement balance by the due date, you won't be charged interest on purchases.

Which bank has the lowest interest rate on credit cards? ›

List of Credit Cards With the Lowest Interest Rate
  • HDFC Bank infinia Credit Card.
  • YES FIRST Exclusive Credit Card.
  • Axis Bank Vistara Infinite Credit Card.
  • HDFC Diners Club Black Credit Card.
  • Axis Bank Burgundy Private Credit Card.

What is the best credit score for lowest interest rate? ›

To increase your odds of approval and qualify for a lower-rate mortgage, you should aim to have a credit score in the good range. That's a FICO score of 670 or higher.

How to get 0% interest rate on credit card? ›

To qualify for a 0% offer, you'll typically need good credit or better (generally defined as a score of at least 690). Zero-percent offers are pretty common on cash-back credit cards as well as on cards specifically marketed as balance-transfer or low-interest options.

What is a good APR for a credit card? ›

An APR is considered to be a good rate when it is at or below the national average, which currently sits at 20.40%, according to the Fed. This means that a credit card offering a fixed rate lower than 20.40% or a variable rate with a maximum of 20.40% would be considered a good APR for the average borrower.

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