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Best Cash Back Cards with 0% Intro APR

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If you have a large upcoming purchase to make — say you’re renovating and want new appliances, or it’s time to replace an old laptop — a credit card with an introductory 0% APR on new purchases can help you pay down the cost over time without accruing interest. 

But many of the best 0% APR cards, including those with the longest intro periods, don’t offer many benefits beyond paused interest. If you want to get even more value from your large purchase — and maximize your spending long-term — consider a cash back credit card with a 0% intro APR. These cards may offer slightly shorter intro periods but they also allow you to earn rewards on your spending. 

Just remember, like with other 0% APR cards, it’s important to pay off your balance in full by the time the intro period ends. If not, you’ll be responsible for interest that accrues on the remainder of your balance once the regular APR kicks in. Over time, accrued interest can add up and cost more than any cash back savings. 

If you’re looking to save on an upcoming purchase, here are a few of our top cash back credit cards with 0% APR introductory offers and great rewards on new purchases. 

Before You Start

Before charging a purchase under a 0% interest offer, always make sure you have a solid plan to pay it off before the introductory period ends. A 0% interest offer can buy you time to pay off large balances, but it doesn’t mean you can avoid paying altogether. No matter how long the intro period, you’ll accrue interest on any current balance at your assigned ongoing APR once it expires.

Why Choose a Cash Back Card with 0% APR

Getting a cash back card with an introductory 0% APR on new purchases can help you pay off a large purchase over time while also saving money with cash rewards. 

During the introductory window, you won’t be charged interest on new purchases made with the card. However, you will have to pay interest on your remaining balance if it’s not paid in full before the introductory period ends. 

That’s already a great way to spread the cost of a big purchase out over time, but choosing a card with both cash back reward and a 0% APR can offer even more savings. 

Say, for example, you open a Wells Fargo Active Cash® Card, which offers 2% cash rewards on purchases and a 15-month (from account opening) 0% intro APR on purchases (16.49%, 21.49%, or 26.49% variable APR thereafter). There’s also a $200 cash rewards bonus if you spend $1,000 on purchases within the first three months of account opening. If you purchase a new living room furniture set for a total $1,200 the first month you’re approved, you could get $24 cash rewards plus qualify for the $200 cash rewards bonus with that purchase alone. 

And taking advantage of a 0% intro APR won’t hurt your score as long as you make at least minimum payments on time every month. The best way to use this card is to make monthly payments of whatever amount above the minimum that will ensure you pay down the balance in full by the end of the introductory period. 

How Cash Back Cards with 0% APR Work

There are two types of introductory 0% APR offers: 0% APR on new purchases and 0% APR on balance transfers. Intro offers for new purchases can help you pay down a purchase over time, while balance transfer offers allow you to consolidate existing debt and pay down the balance without interest. A card’s 0% APR period may apply to just purchases, just balance transfers, or both. While some of the cards on our list have 0% APR on balance transfers as well as new purchases, you may instead want to see our best balance transfer card picks if you have existing debt to pay off. 

Pro Tip

Make sure you understand whether the 0% APR a card offers applies to new purchases or balance transfers. Some offer intro periods on both, while other 0% APR offers may apply to only new purchases or only balance transfers.

Credit cards with a 0% APR on purchases won’t accrue interest on new purchases over the intro period. The time frames vary depending on the card, but can range from as little as six months to well over a year. You can then pay the balance in full before the introductory period ends to avoid interest charges. 

Using the example above, if you charge $1,200 to your new Wells Fargo Active Cash Card with a 15-month 0% intro period (from account opening), you’d need to pay at least $80 toward your balance each month to ensure you pay it down in full before the period ends and you take on the variable 16.49%, 21.49%, or 26.49% ongoing APR.

0% APR Cash Back Cards After the Intro Period

After your introductory offer ends, any balances you carry will accrue interest at the ongoing APR determined by the issuer when opening your account. 

An introductory period is like a grace period that you can use to pay down a purchase interest-free, but credit card APRs can be expensive after the introductory period ends. So, it’s important to only spend what you can afford, and to pay your balances in full and on time each month to maintain good credit and stay debt-free.

Best Cash Back Cards with 0% APR

Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card
Learn More externa link icon
Wells Fargo Active Cash® Card
Editor’s Score: (4.6/5)
Apply Now externa link icon At Wells Fargo’s secure site. See Rates & Fees.
Wells Fargo Active Cash® Card
Editor’s Score: (4.6/5)
  • Intro offer:
    $200 cash rewards
  • Annual fee:
    $0
  • Regular APR:
    16.49%, 21.49%, or 26.49% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn unlimited 2% cash rewards on purchases.

NextAdvisor’s Take

Pros
  • Unlimited 2% cash rewards on purchases
  • Valuable welcome bonus
  • 0% Introductory APR for 15 months from account opening on purchases and qualifying balance transfers (16.49%, 21.49%, or 26.49% variable APR thereafter)
  • Cellphone and travel protections
Cons
  • High variable APR after introductory offer ends
  • No bonus categories to maximize
  • 3% foreign currency conversion fee
The Bottom Line
The Wells Fargo Active Cash Card comes with an enticing 2% cash rewards on purchases, along with a valuable welcome bonus. You won’t pay an annual fee, and can also benefit from the 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (followed by a variable APR of 16.49%, 21.49%, or 26.49%).

Additional Card Details

  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (followed by a variable APR of 16.49%, 21.49%, or 26.49%).
  • Cell phone protection worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Visa Signature® Concierge service
  • Travel and emergency assistance services
  • Roadside dispatch

The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases, and you can earn a $200 cash rewards bonus when you spend $1,000 on purchases within the first three months. It’s also a Visa Signature card with a few added travel perks and cell phone protection. 

The card has no annual fee and a 0% intro APR for the first 15 months from account opening on purchases and qualifying balance transfers. Afterward, you can expect a variable APR of 16.49%, 21.49%, or 26.49%. 

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Learn More externa link icon
Capital One Quicksilver Cash Rewards Credit Card
Editor’s Score: (4.2/5)
Apply Now externa link icon At Capital One’s secure site.
Capital One Quicksilver Cash Rewards Credit Card
Editor’s Score: (4.2/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    15.24% – 25.24% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

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. Earn unlimited 1.5% cash back on every purchase, every day.

NextAdvisor’s Take

Pros
  • Flat 1.5% cash back on every purchase
  • No annual fee
  • Welcome bonus
  • 0% Introductory APR on purchases for 15 months
Cons
  • No higher-earning bonus rewards categories
The Bottom Line
The Capital One Quicksilver Rewards card has a great 0% interest intro offer on purchases and balance transfers for 15 months (15.24% – 25.24% variable APR thereafter) and a nice flat cash back rate on everyday purchases.

Additional Card Details

  • 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR of 15.24% – 25.24% based on creditworthiness
  • No foreign transaction fees
  • Rewards don’t expire as long as the account is open
  • Unlimited 1.5% rewards
  • Multiple redemption options
  • Access to Capital One Experiences

The Capital One Quicksilver Cash Rewards Credit Card is a no annual fee flat cash back card that offers unlimited 1.5% cash back on every purchase. You may also be eligible for a $200 welcome bonus when you spend $500 within the first three months. 

You’ll start with 0% APR for 15 months on purchases and balance transfers. After the introductory period ends, you’ll take on a variable APR between 15.24% and 25.24%. 

Chase Freedom Flex℠ 

Chase Freedom Flex℠
Learn More externa link icon
Chase Freedom Flex℠
Editor’s Score: (4.7/5)
Apply Now externa link icon At Chase’s secure site.
Chase Freedom Flex℠
Editor’s Score: (4.7/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    15.74% – 24.49% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

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. Unlimited 1% cash back on all other purchases.

NextAdvisor’s Take

Pros
  • Extensive tiered rewards structure
  • Rotating bonus rewards categories every quarter
  • Valuable welcome bonus offer
  • 0% introductory APR for purchases and balance transfers
  • No annual fee
Cons
  • High ongoing APR after intro period
  • Rotating quarterly bonus categories capped after $1,500 in spending
  • Keeping track of rewards categories may be more complex than some other cash back cards
The Bottom Line
The Chase Freedom Flex card offers cash back rewards in rotating rewards categories that will let you save where you spend the most. Plus, you’ll earn rewards in ongoing bonus categories year-round.

Additional Card Details

  • 0% introductory APR for 15 months from account opening on purchases and balance transfers (15.74% – 24.49% variable APR thereafter) ; intro balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
  • 5% cash back on qualifying Lyft rides through March 2025
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Cell phone protection
  • Free credit score and monitoring
  • Access to Chase Offers savings

The Chase Freedom Flex℠ is a cash back card that gives you 5% back on bonus categories that you activate each quarter (up to $1,500 in eligible spending). You’ll also earn 5% on travel booked with Chase Ultimate Rewards, 3% on dining and drug store purchases, and 1% on all other purchases. You can also get a few other perks — like cell phone protection, 5% back on Lyft rides (through March 2025), trip cancellation insurance, and rental car damage coverage. 

There’s a $200 bonus after spending $500 within the first three months and no annual fee. This card comes with 0% APR on purchases for 15 months. After the introductory period ends, you can expect an APR between 15.74% and 24.49%.

Chase Freedom Unlimited® Card

Chase Freedom Unlimited®
Learn More externa link icon
Chase Freedom Unlimited®
Editor’s Score: (4.7/5)
Apply Now externa link icon At Chase’s secure site.
Chase Freedom Unlimited®
Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    15.74% – 24.49% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Enjoy 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. 1.5% on all other purchases.

NextAdvisor’s Take

Pros
  • Flexible, hybrid rewards structure made up of tiered categories and flat cash back
  • No annual fee
  • Valuable first-year bonus
  • Competitive intro APR period can be useful for paying off large purchases over time
Cons
  • Not a great choice for international travelers — you’ll incur a 3% foreign transaction fee
  • Travel bonus rewards only apply to travel booked through Chase
The Bottom Line
Chase Freedom Unlimited is NextAdvisor’s pick for the best cash back credit card for its impressive rewards and flexibility for everyday spenders. But the card’s value goes beyond its primary rewards structure. A standout first-year bonus, introductory interest offer, and boosted redemption options make this card one of the best available on the market today.

Additional Card Details

  • 0% introductory interest offer on purchases and balance transfers for the first 15 months after account opening, variable 15.74% – 24.49% interest thereafter; intro balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
  • 5% cash back on Lyft rides through March 2025
  • Complimentary 3-month subscription to Doordash’s DashPass, followed by 50% off DashPass for 9 months (activate by 12/31/24)
  • Travel protections
  • Purchase protections

With the Chase Freedom Unlimited® Card, you can earn 5% back on travel booked with Chase, 3% on dining and drug store purchases, and 1.5% cash back on everything else. You can also earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

There’s no annual fee and the intro 0% APR period on purchases lasts for 15 months. After the introductory period, you can expect a variable APR between 15.74% and 24.49%. 

Best Cash Back Cards with 0% APR Summary

Introductory periodRegular Variable APRCredit score requirementAnnual fee
Capital One Quicksilver Rewards Card15 months15.24% – 25.24%670-850 (Good to Excellent)$0
Wells Fargo Active Cash Card15 months from account opening16.49%, 21.49%, or 26.49%670-850 (Good to Excellent)$0
Chase Freedom Flex15 months15.74% – 24.49%670-850 (Good to Excellent)$0
Chase Freedom Unlimited15 months15.74% – 24.49%670-850 (Good to Excellent)$0

Bottom Line

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

A cash back credit card with a 0% APR on new purchases can help you earn rewards while saving money on interest. 

Choose a card with cash rewards you can maximize on your upcoming purchase and long-term, even after the intro period ends. Before you apply, make sure you understand the terms of your offer and what your APR for new purchases will be after the introductory period ends.