Best 0% APR Credit Cards in 2023: 0% Interest for up to 24 Months

If you reduce the cost of sales then credit cards with no interest help you save money. When you pay less interest, you can repay your debt more easily. You will save money on interest over the near run by choosing credit card offers with 0 interest and no balance transfer fees. In the long term, a card with 0 interest credit cards will be beneficial if you frequently draw a balance. You can apply for some of our picks for the finest credit cards with 0% & fewer interest rates.

0 Interest Credit Cards Overview

These cards provide 0% APR in the beginning for a limited period. Generally, it offers 6 to 18 months but there are credit cards with no interest for 24 months also. 

You can use it when you want cash for paying off expenses and want to do a balance transfer. It means you can transfer the debt to another card in order to consolidate debt. We are going to provide you best no-interest credit cards for 24 months that will help you.

11 Best No Interest Credit Cards

Just look below as we are mentioning the 11 best credit cards with 0% APR:

1. Wells Fargo Active Cash Card

Wells Fargo Active Cash Card

Our Rating: 4.8/5

In case you are searching for that 1 card that comes up with many good options then the Wells Fargo Active cash card is the best for you. If you are a recent cardholder then they will provide 15 months at 0% APR on purchases & balance transfers. You will also get rewards like “insurance for the phone, cash rewards, and a welcome bonus” too.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 18.74% to 28.74% (variable)
  • 0% APR Period: 15 Months
Pros 

  • Zero annual fees.
  • Get 15 months with 0% APR in the beginning.
  • Enjoy 2% rewards.
  • You will also get $200 as a bonus.
  • Get insurance for the phone.

Cons

  • You might have to get better credit for approval.
  • They will charge fees for Foreign transactions. 
  • Short time for a balance transfer. 

2. U.S. Bank Platinum Visa Card

U.S. Bank Platinum Visa Card

Our Rating: 3.8/5

If you want more time to repay the balance then this card is one of the ideal ones. They will not charge any annual fee and also you will get 0% APR for 24 months on purchases & balance transfers. The U.S. Bank Platinum Visa card doesn’t offer any cash rewards but provides other benefits like due dates being adjustable, and there is no liability for fraud.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 740 to 850
  • Purchase APR: 18.24% to 28.24% (variable)
  • 0% APR Period: 18 Month
Pros 

  • Get 0% APR for 24 months
  • Zero annual fees
  • Mobile Insurance

Cons

  • There are Foreign settlement fees.
  • Zero rewards.
  • Zero welcome bonus.
  • You need better credit for approval.

3. Wells Fargo Reflect Card

Wells Fargo Reflect Card

Our Rating: 4.6/5

In case you are looking for a card that gives you 0% APR when you do a balance transfer then this card can be your go-to choice. You will get 18 to 21 months at the introduction period with zero annual fees. If you want to get 21 months with 0% APR then you need to pay the balance on time. It doesn’t offer rewards, still, there is “My Wells Fargo Deals” that can offer rewards for distinct companies from where you can get cashback.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 18.74% to 28.74% (variable)
  • 0% APR Period: 18 Month
Pros 

  • 18 to 21 months 0% APR
  • Zero annual fees
  • Mobile Insurance

Cons

  • There are Foreign settlement fees.
  • Zero rewards.
  • Zero welcome bonus.
  • You need better credit for approval.

4. U.S. Bank Business Platinum Card

U.S. Bank Business Platinum Card

Our Rating: 4.2/5

This card offers 20 months with 0% APR on your balance transfer & purchases. The main benefit of this card is that it has a long APR period but less APR which is 12.24% to 21.24%. You can use a U.S. Bank Business Platinum card if you want to pay the balance after some time and they will not charge interest. 

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 740 to 850
  • Purchase APR: 18.74% to 28.74% (variable)
  • 0% APR Period: 18 Month
Pros 

  • No annual fee
  • 0% APR for 20 months

Cons

  • There are Foreign settlement fees.
  • Zero rewards.
  • Zero welcome bonus.
  • You need better credit for approval.

5. Discover it Cash Back Credit Card

Discover it Cash Back Credit Card

Our Rating: 4.4/5

The Discover it Cash Back Credit Card doesn’t charge any annual fee, but it also offers various cashback rewards like 5% on different groups & 1% on other purchases and provides 0% APR for 15 months. So the different groups include:

  • Amazon and digital wallets
  • Restaurants and PayPal
  • Gas stations and Target
Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 14.99%–25.99% (variable)
  • 0% APR Period: 15 Month
Pros 

  • It provides 0% APR for 15 months
  • 1% to 5% rewards
  • Get Cashback for 1st year
  • Zero annual fees.

Cons

  • You need better credit for approval.
  • Very high limits on distinct types. 
  • There will be a limit on acceptance abroad.

6. Capital One Quicksilver Rewards Credit Card

Capital One® Quicksilver® Secured Rewards Card

Our Rating: 4.4/5

This is a card that will not charge any fee for foreign transactions but also provide 0% APR for 15 months. The Capital One Quicksilver Rewards Credit Card also grants a cash bonus of $200 if you spend $500 in the 1st three months. But, one thing that makes it a little unavoidable is that it needed excellent credit for approval.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 740 to 850
  • Purchase APR: 17.99% to 27.99% (variable)
  • 0% APR Period: 15 Month
Pros 

  • It provides 0% APR for 15 months
  • Zero annual fees
  • Zero fees for foreign transactions 
  • Cash bonus: $200
  • Get 1.5% Cash rewards

Cons

  • You need very good credit for approval.
  • Fewer benefits.

7. Citi Simplicity Card

Citi Simplicity Card

Our Rating: 4.2/5

Citi Simplicity card has zero annual fees, and zero penalties and they will not charge any fees for late payment. It also provides 21 months’ time to repay the amount. Although, the Citi Simplicity credit card doesn’t provide any rewards & welcome bonuses. But, if you are very busy and don’t want a complicated card to deal with then it is the best for you. You can use Citi Flex to pay for certain purchases at the agreed interest rate and in installments, for a certain period.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 17.74%–28.49% (variable)
  • 0% APR Period: 12 to 21 Months
Pros 

  • You will get 0% APR for 21 months in case of the balance transfer.
  • You will get 0% APR for 12 months in case of purchases.
  • Zero annual fees.
  • Zero penalties.
  • They will not charge any fees for late payments.

Cons

  • There are Foreign settlement fees.
  • Zero rewards.
  • Zero welcome bonus.
  • You need better credit for approval.

8. Capital One SavorOne Rewards

Capital One SavorOne Rewards

Our Rating: 4.7/5

If you like to visit restaurants more often then this card is the real deal. The Capital One SavorOne card gives 0% APR for 15 months. You will also get 8% rewards with zero annual fees. No need to pay any interest for a year. Follow the features and other advantages below.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 17.99%–27.99% (variable)
  • 0% APR Period: 15 Month
Pros 

  • Zero annual fees
  • Zero foreign settlement fees
  • Infinite cash-back rewards
  • Get $200 as a welcome bonus

Cons

  • Need excellent credit
  • High APR
  • Very complex rewards list

9. Bank of America BankAmericard Credit Card

Bank Americard Secured Credit card

Our Rating: 4.1/5 

This card is ideal for someone who wants a less-interest card when their APR has expired. It has less cost, less interest, and a big intro APR which is a better deal for those who are a budget constraint. But, they will not offer any rewards & welcome bonus.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 14.99%–24.99% (variable)
  • 0% APR Period: 21 Months
Pros 

  • 21 months for 0% APR
  • Fairly less interest rate
  • Zero annual fees

Cons

  • Zero rewards
  • Zero welcome bonus

10. Chase Ink Business Cash Card

Chase Ink Business Cash Card

Our Rating: 4.6/5

This card comes with 12 months at 0% APR. You get 1% to 5% rewards and also a welcome bonus ($750 if you spend $7500 in three months). It also offers other advantages like travel & emergency services, car insurance, and roadside emergencies.

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 14.99%–24.99% (variable)
  • 0% APR Period: 21 Months
Pros 

  • 1% to 5% reward rate
  • $750 as a welcome bonus
  • For 12 months at 0% APR 
  • Zero annual fees.

Cons

  • Limits on rewards rates of 2% to 5%.
  • There are Foreign settlement fees.
  • You need better credit for approval.

11. American Express Blue Cash Everyday

American Express Blue Cash Everyday

Our Rating: 4.7/5

American Express Blue Cash Everyday offers 0% APR for 15 months and charges zero annual fees, big rewards, and a good bonus. You can get $200 if you pay $2000 in six months. But, it limits the reward if you do purchase for $6000 then you get big rewards. 

Important Points

  • Annual Fee: $0
  • Preferred Credit Score: 670 to 850
  • Purchase APR: 17.74% to 28.74%
  • 0% APR Period: 15 Months
Pros 

  •  15 months at 0% APR
  • Get 1% to 3% rewards
  • Welcome Bonus: $200 
  • Market benefits.

Cons

  • You should have good credit for approval.
  • Rewards limit.

How Does 0 Interest Credit Cards Process?

0 Interest Credit Cards allow you to spend without paying any interest for some months. It’s like they give you a break and then you have to pay APR like others are paying. So, the credit card interest & APR are quite similar. You need to divide APR by 12 and you will get an estimation of the interest rate you pay each month.

When Do You Need 0% APR?

If you get 0% APR/25% APR is not relevant if you are paying the credit card amount on time. But, if you are using it for purchases & Balance transfers then with 0% APR you can reserve your money. We have different cards that have distinct APRs and are used for a variety of purposes. So, the card can be for

  • Promotional APRs
  • Penalty APRs
  • Balance transfer APRs
  • Cash advance APRs
  • Purchase APRs

How Much Credit Score is Needed for 0 Interest Credit Cards?

You need a better credit score if you want to get approval which is 670. If your credit score is high then you will get the approval easily. If you have a low credit score, several credit cards offer more APRs on purchases & also don’t allow you to do balance transfers. So, if you have a FICO score between 580-669 & VantageScore (601-660) then, you can’t get approved. 

But, if you have good credit & want to have a card with no interest then go for a store card. You can get store cards where users have low credit scores and also provide many offers for a few months or years.

How to Select a 0% APR?

If you are selecting a 0% APR then you have to look at the characteristics given below which help you in deciding on the card:

1. Range of Intro APR Period

It is quite obvious that if you have a long 0% APR at the beginning then it will be good. If you want to pay the debts and this is under your budget and you pay it in 6 to 12 months and you don’t want 18 plus months then you can see more cards that can offer various benefits such as rewards, and desired bonuses.

2. Annual Fees

There are several cards with 0% APR & less interest rate that has zero annual fees. You should look for annual fees as it may even keep you in a situation where you need to pay from your savings as there are cards that charge an annual fee. 

3. Regular APR 

It is stated that if you have 0% APR cards then it must have a high regular APR. Before getting 0% APR you must have to verify your regular APR in case you want to pay back the whole amount at the end. 

4. Rewards

If you are using the card often then you can get money from rewards. It’s like if you pay $500 and the cashback rate is 2% then you can get $10 as a reward. You can use it when you are trying to see which card you can save more money on. 

5. Balance Transfer Fees

You might have noticed that when you are trying to transfer the balance on the credit card then they charge fees from you. So, you need to compare the fees and choose the card on which you can do the saving.  

Frequently Asked Questions (FAQs)

Q1. How many 0 interest credit cards can you have?

You can have many credit cards with no interest and it also depends if you are qualifying for that card or not. 

Q2. What does 0% APR for 12 months mean?

0% APR refers to the promotional rate that allows you to get money with zero cost and it is between 12 to 21 months. 

Q3. What credit cards have no annual fee and low-interest rates?

  • Discover it Cash Back
  • Discover it chrome
  • Chase Freedom Unlimited

Q4. Can you extend your 0% APR?

There is no possible way to extend your 0% APR but you have to apply for a new card that offers you 0% APR at the beginning.

Conclusion

Now, we can conclude the topic of credit cards offers with 0 interest and no balance transfer fees. We have mentioned all the best cards that you can look for with all the detailed information. So, according to your needs, you can opt for any one of them. Still, if you face any queries then you can come to us. We will help you out and make it easy. 

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