Best 0% APR Credit Cards in September 2024 | LendingTree (2024)

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Thanks to its long intro period and high ongoing rewards rate, the Chase Freedom Unlimited^® offers more potential savings than any other 0% APR credit card. You can even earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. You’ll have over a year to pay off your purchase or balance transfer interest-free, and you can apply any cash back rewards you earn toward your balance.

• 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 thatlets 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 expireas 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

The Wells Fargo Reflect^® Card gives you almost two years to pay off your purchase or balance transfer with no interest, potentially saving you hundreds in interest payments. And while it doesn’t come with a rewards program or sign-up bonus, you will get up to $600 of cellphone protection.

• 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.

With the U.S. Bank Visa^® Platinum Card, you’ll get 21 billing cycles to pay off your purchase or balance transfer without any interest. There’s no sign-up bonus or rewards program, but the card does come with cellphone protection and the ability to choose your own due date.

• 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
• Choose a payment due date that fits your schedule
• No Annual Fee
• Terms and conditions apply.

You can save hundreds on interest payments by paying off your debt during the the BankAmericard^® credit card‘s 18-month intro APR period. And though this card doesn’t offer a rewards program or a sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.

• 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee applies to all balance transfers.
• No annual fee.
  
• No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
• Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Chase Slate Edge^℠ gives you a year and a half to pay off a large purchase or balance transfer without interest. There’s one downside of this card, however: Its ongoing APR is higher than average. In fact, missing a payment with this card could trigger a penalty APR of and late payment fees.

• Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance
• Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
• Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
• All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
• Member FDIC

Living up to its name, the Citi Simplicity^® Card is a no-frills credit card that gives you 21 months to pay off your balance transfer. And although the purchase intro period is shorter, our calculations show that you can still count on some serious savings there as well. On top of that, you’ll never have to worry about paying late fees or a penalty APR.

• No Late Fees, No Penalty Rate, and No Annual Fee... Ever
• 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Stay protected with Citi® Quick Lock

You could save over $1,000 in interest with the Chase Freedom Flex℠‘s intro APR period — but the card’s value doesn’t end there. It’s also one of the best rewards credit cards, thanks to its valuable sign-up bonus and generous cash back program. You’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

• Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
• 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 Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

With the Wells Fargo Active Cash^® Card, you’ll get 12 months to pay off a large purchase interest free. That alone could save you over $1,100, but there’s even more value in the card’s unlimited cash back program and sign-up bonus. In addition to earning 2% cash back on every purchase, you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months This combination of features lands the Wells Fargo Active Cash^® Card on our list of the best cash back credit cards.

• 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 12 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.

The Discover it^® Miles gives you 15 months to pay off a purchase, and you’ll earn rewards at a high flat rate that you can redeem for travel or travel statement credits. It also features a fantastic sign-up bonus, which matches all the rewards earned at the end of the first year for new cardholders. All this can add up to some serious savings in your first two years, if you’re looking to finance an upcoming vacation.

• UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• 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.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Ideal for foodies who love to save, the Capital One SavorOne Cash Rewards Credit Card comes with a long intro APR and one of the highest cash back rates on dining and entertainment. Plus, there’s a valuable, easy-to-earn sign-up bonus: Earn $200 cash back after you spend $500 on purchases within 3 months from account opening. Couple all that with a $0 annual fee, and you’ve got one of the best dining credit cards out there.

• 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 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
• 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.
  

The Blue Cash Preferred^® Card from American Express is one of the most rewarding 0% APR cards you can find for U.S. gas and U.S. supermarket purchases. It gives you a year to pay off your purchase or balance transfer, along with rewards that can add up to huge savings over two years — even with the card’s annual fee. You’ll earn up to 6% cash back* in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, you’ll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
*Based on LendingTree’s value methodology.

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

on ESL Federal Credit Union's secure site

If you’re a ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The 13.50%-17.99% variable APR is the lowest we could find among cards with a 0% intro APR on purchases and balance transfers. Additionally, there’s no annual or balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.

• Save money with our 0% Intro APR for 12 months.
• Save even more with our low ongoing rate of 13.50%-17.99% APR.¹
• No annual fees.¹
• No fees for balance transfers.¹
• Get the powerful protection of the Visa Zero Liability Policy.²
• Emergency ticket replacement and other travel and emergency assistance.
• Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
• Extended warranty protection.

1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of 7/27/23, the Prime Rate was 8.50%. Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.

2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.

Our pick for the best 0% APR business credit card is the Ink Business Unlimited^® Credit Card. It comes with a solid intro period and huge rewards, which you can use to help pay off a large business purchase. In addition to earning unlimited cash back on every purchase, you’ll have a chance to earn a hefty sign-up bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

Students won’t find a much better value for financing a large purchase than the Bank of America® Travel Rewards Credit Card for Students. You’ll get 15 months interest free — one of the longest intro periods among student credit cards — as well as the opportunity to earn points on every purchase. You’ll even get a generous sign-up bonus: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, it doesn’t charge foreign transaction fees, making it a good choice for a semester abroad.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.