0% APR Credit Cards

Updated: Apr 28, 2026 at 12:18 AM EST
Olena's picture
Written by Olena Odnokoz
Yuriy's picture
Edited by Yuriy Ilchenko

A 0% APR Credit Card is a credit card that does not charge interest for a fixed period of time after account opening. The promotional 0% APR period varies between 12 and 21 months.

However, you still will need to make the minimum monthly payments to avoid being delinquent and enjoy the promotional 0% interest rate. It’s important to remember that after the introductory period ends, the standard interest rate kicks in, and the interest charges on your balance start accumulating.

To get the most out of a 0% APR Credit Card, try to reduce your card balance or even repay it in full before the 0% period ends!

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Slate®
Apply now

On Chase's Secure Website

Slate®
2.8
Annual fee: $0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

» Learn More: Read Card's Review
Freedom Unlimited®
Apply now

On Chase's Secure Website

Freedom Unlimited®
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstores and dining, plus 1.5% on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
Quicksilver®
Apply now

On Capital One's Secure Website

Quicksilver®
4.7
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Additionally, earn 5% cashback on Capital One Entertainment purchases, plus 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
Venture One
Apply now

On Capital One's Secure Website

Venture One
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 5X miles when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, earn 1.25X miles on all other purchases.

1.25x - 5x Miles

Welcome Offer Earn 20,000 bonus miles after spending $500 in the first 3 months. That's worth $200 when redeemed for cash.

20,000 Miles

» Learn More: Read Card's Review
BankAmericard®
Apply now

On Bank of America's Secure Website

BankAmericard®
2.9
Annual fee: $0

Intro APR

Purchases: 0%, 21 billing cycles

Balance Transfers: 0%, 21 billing cycles

Regular APR

14.99% - 25.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Custom Pay Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

» Learn More: Read Card's Review
Travel Rewards
Apply now

On Bank of America's Secure Website

Travel Rewards
4.6
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Custom Pay Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.

1.5x - 3x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

» Learn More: Read Card's Review
Altitude® Connect
Apply now

On U.S. Bank's Secure Website

Altitude® Connect
5.0
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on prepaid hotels and car rentals booked through the travel portal. Additionally, earn 4x points on other travel, 4x points at gas/EV charging stations on up to $1,000 each quarter, 2x points on dining, select streaming, and groceries, plus 1x on all other eligible purchases.

1x - 5x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.

20,000 Points

» Learn More: Read Card's Review
Reflect®
Apply now

On Wells Fargo's Secure Website

Reflect®
2.8
Annual fee: $0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

17.49% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

» Learn More: Read Card's Review
U.S. Bank Shield™
Apply now

On U.S. Bank's Secure Website

U.S. Bank Shield™
4.2
Annual fee: $0

Intro APR

Purchases: 0%, 21 billing cycles

Balance Transfers: 0%, 21 billing cycles

Regular APR

16.99% - 27.99% Variable APR

Buy Now, Pay Later Get one 3-month ExtendPay® Plan with $0 fee each calendar year after your introductory 0% APR period ends.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on prepaid air, hotel, and car rentals booked through the Travel Center.

0% - 4% Cashback

Welcome Offer N/A

N/A

» Learn More: Read Card's Review
Altitude® Go
Apply now

On U.S. Bank's Secure Website

Altitude® Go
4.6
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4X points on dining, including takeout and delivery, on up to $2,000 each quarter. Additionally, earn 2X points on gas/EV charging stations, select streaming, and groceries, plus 1X on all other eligible purchases.

1x - 4x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.

20,000 Points

» Learn More: Read Card's Review


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