Top 7 Zero-Interest Credit Cards for Smart Borrowing
Discover the top seven zero-interest credit cards perfect for managing debt, making large purchases, or gaining flexible financial options. Each card offers introductory 0% APR periods, no annual fees, and various rewards or protections. Whether you want to save on interest or enjoy perks like cashback or travel points, these options suit different credit profiles and needs. Use these recommendations to choose a card that maximizes your savings and supports your financial goals during the promotional period.
Top 7 Zero-Interest Credit Cards for Smart Borrowing
A 0% introductory APR credit card allows you to make purchases with no interest charges for a set period. Some cards also offer 0% APR on balance transfers during this time, with regular rates applying afterward. Such cards are ideal for paying off high-interest debt or making large purchases without accruing interest, helping you save money. Many also come with no fees, maximizing your savings.
Using a 0% APR card, you can buy items like a 4K TV without extra interest or fees. It's also perfect for emergencies, offering financial flexibility. Here, we highlight seven top zero-interest credit cards and their benefits.
Wells Fargo Platinum Visa®
Enjoy 0% APR for 18 months—longer than most competitors. This applies to new purchases and balance transfers. The initial balance transfer fee is 3% within 120 days, then 5%. After the promo, the APR ranges from 17% to 27%. The card charges a 3% foreign transaction fee but has no annual fee, making it ideal for debt repayment. Good to excellent credit is needed. While it lacks purchase rewards, it offers cell phone protection up to $600, with a $25 deductible.
Capital One® Quicksilver®
This card provides 15 months of 0% APR on purchases and balance transfers, with a $150 bonus after spending $500 within the first three months. You earn 1.5% cash back on all purchases, with no annual or foreign fees. After the intro period, the APR varies from 16.24% to 26.24%. The balance transfer fee is 3% for transfers in the first 15 months. Good to excellent credit required; some limited credit options may apply.
Citi Simplicity®
This card offers 0% APR on balance transfers for up to 21 months and on new purchases for 12 months. The balance transfer fee is either 5% or a minimum of $5, with no annual fee. It's suitable for paying off debt efficiently, especially with no late fees. Requires good to excellent credit; after the intro, APR ranges from approximately 14.4% to 20% depending on credit score.
Chase Freedom Unlimited®
Get 15 months of 0% APR on purchases and balance transfers. It offers up to $600 cashback in the first year, plus 1.5% cashback on all spending. The balance transfer fee is 3%, and international purchases incur a 3% fee. No annual fee. Good to excellent credit is needed.
Capital One® VentureOne®
This card features 0% APR for 12 months on purchases; no introductory offers on balance transfers. Earn 1.25 miles per dollar on all spending, with a 20,000-mile bonus after spending $1,000 in 3 months. No annual or foreign fees, only a $38 late fee. Additional perks include travel-related benefits, point transfers, and concierge services.
U.S. Bank Visa® Platinum
Offers one of the longest 0% APR periods—20 months on purchases and balance transfers. No annual fee or rewards, but a 3% (min $5) transfer fee applies. No penalty APR; flexible due date options. Requires excellent credit. Post-intro APR ranges from about 14.7% to 25.7%, with a 3% foreign transaction fee.
Blue Business℠ Plus Card from American Express
This top business card provides 0% APR on purchases and transfers for 15 months, with no annual fee. A 3% transfer fee applies; after the promo, the APR varies between 13.5% and 21.5%. Earn 2 points per dollar on the first $50,000 annually, then 1 point. Points can be converted to cashback. Good credit required, making it ideal for small businesses seeking flexible financing.
