Best 0% APR Credit Cards of November 2022

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A 0% interest introductory offer on purchases works like a pause button for interest accrual. 

This type of 0% offer is often used to help extend payment of a large purchase over several months rather than paying in full upfront or revolving the balance on another high-interest credit card. This can be helpful for buying new appliances, for example, or financing a car repair.

But a 0% interest period isn’t a free pass to avoid paying your credit card bill. In fact, it’s even more important to pay down your credit card balances within the intro period, so you aren’t carrying any balance over once your regular APR kicks in.

These are NextAdvisor’s top picks for introductory 0% interest offers on new purchases. While many do offer 0% interest on both purchases and balance transfers, if you’re looking for the best card to help with consolidated debt payoff, see our picks for the best balance transfer credit cards.

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.

Our Picks for the Best 0% Interest Credit Cards

NextAdvisor’s Pick
Good for Long Intro Period Wells Fargo Reflect® Card
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Wells Fargo Reflect® Card
Apply Now externa link icon At Wells Fargo’s secure site. See Rates & Fees.
Good for Long Intro Period Wells Fargo Reflect® Card
  • Intro offer:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    16.74% – 28.74% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Long intro APR
  • No annual fee
  • Cell phone protection against damage or theft
Cons
  • No rewards
  • High APR after the introductory offer ends
  • Must meet requirements to get up to 21 months of 0% intro APR
The Bottom Line
The no annual fee Wells Fargo Reflect Card offers an initial 0% intro APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential for an intro APR extension for 3 months with on-time minimum payments during the introductory period. After that, there will be a variable APR of 16.74% to 28.74%. It’s light on added perks and has no rewards, but carries one of the longest 0% intro periods available today.

Additional Card Details

  • Get a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers — start with a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then unlock three additional months with on-time minimum payments during the 18-month offer, then a 16.74% to 28.74% variable APR thereafter
  • Cell phone protection against damage or theft worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Get access to My Wells Fargo Deals: earn cash back as an account credit when you shop, dine or enjoy an experience using your eligible Wells Fargo card
  • Roadside dispatch
Good for Intro Offer U.S. Bank Visa® Platinum Card
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U.S. Bank Visa® Platinum Card
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Good for Intro Offer U.S. Bank Visa® Platinum Card
  • Introductory balance transfer rate:
    0% for 18 billing cycles on balance transfers
  • Annual fee:
    $0
  • Regular APR:
    18.24% – 28.24% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Long 0% interest intro offer for purchases and balance transfers
  • No annual fee
  • No penalty APR
Cons
  • Fees for late or returned payment
  • 3% balance transfer fee ($5 minimum) applies
  • No rewards structure
The Bottom Line
U.S. Bank Visa Platinum is a solid option for a 0% intro offer on new purchases as well as balance transfers, and it’s easy to see why: its 18-billing-cycle intro period (18.24% – 28.24% variable APR thereafter) is among the longest available. You won’t earn any ongoing rewards, but for debt payoff or forgoing interest on new purchases, this card is a great choice.

Additional Card Details

  • 0% introductory APR for 18 billing cycles on new purchases and balance transfers, 18.24% – 28.24% variable APR thereafter
  • Balance transfer fee of $5 or 3% of balance, whichever is greater
  • No penalty APR
  • Cellphone protection for damage or theft up to $600 for up to two claims per year with a $25 deductible.
Good for Long Intro Period and Low Fees Citi Simplicity® Card
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Citi Simplicity® Card
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Good for Long Intro Period and Low Fees Citi Simplicity® Card
  • Intro APR:
    0% for 12 months on Purchases
  • Annual fee:
    $0
  • Regular APR:
    17.74% – 28.49% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • 0% Intro APR for 21 months for balance transfers and 12 months for purchases (then variable APR 17.74% to 28.49%)
  • No annual fee
  • No late payment fees or penalty APR
Cons
  • No rewards
  • No welcome offer
  • Intro balance transfer fee of 3% of each transfer (minimum $5)
The Bottom Line
The Citi Simplicity Card has one of the longest 0% introductory periods available for balance transfers, at 21 months from the date of your first transfer. For purchases, cardholders can benefit from 12 months of 0% interest, making this a great card option for consolidating debt or financing planned major expenses (17.74% – 28.49% variable APR thereafter).

Additional Card Details

  • Balance transfers must be completed within 4 months of account opening
  • Includes Citi Identity Theft Solutions protection
  • Choose your payment due date
  • Digital wallet compatible
Good for Welcome Bonus Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card
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Good for Welcome Bonus Capital One Quicksilver Cash Rewards Credit Card
  • Intro APR:
    0% intro on purchases for 15 months
  • Annual fee:
    $0
  • Regular APR:
    17.99% – 27.99% (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 (17.99% – 27.99% variable APR thereafter); 3% fee on the amounts transferred within the first 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 (17.99% – 27.99% 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 17.99% – 27.99% 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
Good for Ongoing Rewards Chase Freedom Unlimited®
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Chase Freedom Unlimited®
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Good for Ongoing Rewards Chase Freedom Unlimited®
  • Intro APR:
    0% Intro APR on Purchases for 15 months
  • Annual fee:
    $0
  • Regular APR:
    17.99% – 26.74% 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 APR of 17.99% – 26.74% 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
Good for Lower Ongoing APR PNC Core® Visa® Credit Card
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PNC Core® Visa® Credit Card
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Good for Lower Ongoing APR PNC Core® Visa® Credit Card
  • Intro APR:
    0% for the first 15 billing cycles following account opening.*
  • Annual fee:
    $0*
  • Regular APR:
    9.99% – 19.99% (Variable)
  • Recommended credit score:
    740-850 (Excellent)

NextAdvisor’s Take

Pros
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 billing cycles
  • $100 welcome offer
  • Relatively low ongoing APR after intro period
Cons
  • No rewards or cash back opportunities
  • 3% foreign transaction fee
  • Few added benefits
The Bottom Line
The PNC Core Visa credit card* doesn’t offer cash back or travel rewards, but it does offer a solid 0% introductory APR on purchases and balance transfers. This 15-billing cycle no-interest period (9.99% to 19.99% variable APR thereafter) makes it a good option for people who have a large purchase planned or want to transfer a balance from another card.

Additional Card Details

  • $100 bonus after you spend $1,000 or more in first three billing cycles
  • Balance transfer fee of 3% or $5, whichever is greater, within the first 90 days
  • Access to travel and emergency assistance services
  • $0 fraud liability and PNC Easy Lock

Best 0% APR Credit Cards of September 2022

Wells Fargo Reflect Card

Good For: Long Intro Period

The Wells Fargo Reflect Card has one of the longest intro periods available today on both purchases and qualifying balance transfers for 18 months from account opening. You can earn an intro APR extension for 3 months, with on-time minimum payments during the intro period. After that, the variable APR of 16.74% – 28.74%. 

U.S. Bank Visa Platinum

Good For: Intro Offer

The U.S. Bank Visa Platinum has an introductory 0% APR period clocking in at 20 billing cycles on purchases and balance transfers before your variable APR of 18.24% – 28.24% kicks in. 

Citi Simplicity Card

Good For: Long Intro Period and Low Fees 

The Citi Simplicity Card has a 12-month 0% introductory APR period on purchases and 0% intro APR for 21 months on balance transfers made in the first 4 months, for no annual fee and intro balance transfer fee of 3% of each transfer (minimum $5). After the introductory APR period, the regular APR is 16.99% – 27.74% variable. 

Capital One Quicksilver Cash Rewards Credit Card

Good For: Welcome Bonus

The Capital One Quicksilver Cash Rewards Credit Card offers a 15-month 0% introductory APR period on new purchases and balance transfers (17.99% – 27.99% variable APR thereafter), and 1.5% cash back on every purchase. 

Chase Freedom Unlimited

Good For: Ongoing Rewards

The Chase Freedom Unlimited has a nice 15-month introductory period for purchases and balance transfers (then 17.99% – 26.74% variable APR), and can offer you cash back with ongoing rewards. There is an intro balance transfer fee of $5 or 3% of the amount of each transfer (whichever is greater) in the first 60 days. You’ll earn 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and at drugstores, and at least 1.5% on all other purchases. You’ll also earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

PNC Core Visa Credit Card

Good For: Lower Ongoing APR

The PNC Core Visa Credit Card has a 15-billing-cycle introductory 0% APR period on purchases and balance transfers, then a regular variable APR of 9.99%-19.99%. This variable APR stands far below the 16% national average, and can save you money in the longer run.

Best 0% Interest Credit Cards Summary

CardWhat It’s Good For0% Interest Intro PeriodRegular APR
Wells Fargo Reflect CardGood for Long Intro PeriodUp to 21 Months16.74% – 28.74% (Variable)
U.S. Bank Visa Platinum CardGood for Intro Offer20 Billing Cycles18.24% – 28.24% (Variable)
Citi Simplicity CardGood for Good for Long Intro Period and Low Fees21 Months*16.99% – 27.74% (Variable)
Capital One Quicksilver Rewards CardGood for Welcome Bonus15 Months17.99% – 27.99%(Variable)
Chase Freedom UnlimitedGood for Ongoing Rewards15 Months17.99% – 26.74% Variable
PNC Core Visa Credit CardGood for Lower Ongoing APR15 Billing Cycles9.99% – 19.99% (Variable)

*0% Intro APR for 21 months on balance transfers from date of first transfer

Understanding Interest Rates and APRs

How to Avoid Paying Credit Card Interest Entirely

After your introductory 0% interest period ends, any remaining or new balance you carry begins accruing interest at the ongoing APR assigned upon account opening. This rate varies, but the current average credit card interest rate is around 16%, and some credit cards carry rates upwards of 24%. 

The best way to avoid paying high interest is to pay off your balance in full and on time every month. Use your card like a debit card; never charge more than you can afford to pay off by the time your statement closes. 

While revolving balances over the introductory period won’t result in interest fees, it’s important to pay down your statement balance in full each month after that period ends to avoid taking on long-term debts.

Pro Tip

Differentiate between 0% interest on new purchases versus on balance transfers to make sure the card offer aligns with your goals. A 0% APR offer on balance transfers is useful for paying down debt, but you’ll still accrue interest on new purchases, and an intro offer on new purchases won’t help you pay down existing debt. Some cards offer a combination of both, but always read the fine print to be sure.

What’s the Difference Between APR and Interest Rate?

Your interest rate is the rate at which your balance will incur interest charges. For example, if your interest rate is 16% and your credit card balance is $500, you will have to pay an interest expense of .16*500 = $80 if you don’t pay your bill on time. 

APR stands for “annual percentage rate,” and is just another way of saying interest rate — they are the same thing when referring to credit cards. 

APR Terms to Know

  • Purchase: An introductory 0% APR on purchases means you won’t pay interest on any new items purchased with your credit card during the length of that intro period. 
  • Balance Transfer: A balance transfer is when you transfer a balance that you owe on an existing credit card to a credit card with an introductory 0% interest rate to help you pay down your debt.
  • Cash Advance: Getting cash from an ATM using your credit card. This usually involves a fee, and you will pay interest on any cash you access this way. 
  • Introductory: Credit cards with a 0% APR generally only offer that rate for the first year or so — known as the introductory period.
  • Ongoing: Your ongoing APR is going to be what you pay after the introductory period has ended.
  • Variable: Your APR will be variable, or subject to change, depending on your creditworthiness.

How Do 0% APR Offers Work?

When you open a new card account with a 0% APR introductory offer on purchases, you won’t accrue any interest on balances you carry month-to-month within the intro period as long as you pay at least your monthly minimum. Intro periods for 0% APR cards generally range from 12-18 months. These cards can be valuable tools for paying off large, one-time purchases over time without high-interest fees. 

Outside of the intro offer, 0% interest cards work like any other credit card in your wallet. They often come with rewards or other benefits that can help you maximize spending. Once the 0% APR period ends, you’ll also begin accruing interest (at the rate assigned by your issuer) on any balances left or new charges you don’t pay down.

How Credit Card Interest Rates Are Set

Credit card interest rates revolve around the prime rate, a number determined by how much banks are charging creditworthy clients. This number is usually a few points higher than the interest rate set by the Federal Reserve. 

Credit card issuers generally offer a range of APRs that you may fall within, known as variable APR. Your exact APR will depend on your credit score and history. 

What is the Impact of Credit Card Interest Fees?

Credit cards are notorious for their high interest rates, which can lead to a cycle of debt. A 0% interest card won’t eliminate interest forever, but taking advantage of this offer can save you money compared to revolving a balance on your current card.

Consider, for example, you purchase a new washer and dryer set that costs $3,000. You might prefer to pay off the purchase over time than dip into your savings to pay upfront. Here’s how covering the cost with a 0% interest credit card compares to charging it to a current card in your wallet carrying 16% interest, paid off over the same period.

Purchase BalancePayoff PeriodInterest PaidMonthly Payment
Current 16% Interest Card$3,00018 months$394$188
0% Interest Credit Card$3,00018 months$0$166

Pro Tip

Avoid interest altogether by paying balances in full at the end of each statement period. Whenever possible, avoid charging anything to a credit card that you might be unable to pay off at the end of the month.

Our Methodology

EDITORIAL INDEPENDENCE

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

To determine our picks for the best 0% interest credit cards, NextAdvisor’s editorial team took a qualitative approach to find the cards that offer maximum value throughout their introductory 0% interest periods and beyond. We evaluated each of the cards currently on market offering introductory periods of 0% interest on new purchases from major card networks. Our final picks were chosen based on factors including intro offer, ongoing APR, fees and penalties, sign-up bonus, and additional benefits.

*All information about the U.S. Bank Visa Platinum Card and PNC Core Visa Credit Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.