A zero-percent or 0% APR bank card saves you cash by stopping the clock on curiosity for a 12 months or extra. Acquired a giant expense developing? Put it on one among these bank cards after which pay it off with out finance fees. Most of the greatest zero-percent bank cards, as chosen by NerdWallet’s bank cards editorial staff, not solely include an extended 0% APR interval, but in addition earn rewards and provide bonuses that may translate into large reductions on large purchases.

NerdWallet score: 4.5 out of 5 stars.

Rate of interest: 0% intro APR for 21 months from account opening on purchases and qualifying steadiness transfers, after which the continued APR of 17.24%, 23.74%, or 28.99% Variable APR.

Why the Wells Fargo Mirror® Card is our choose for longest intro APR interval: The Wells Fargo Mirror® Card affords most respiration room for paying off a giant buy, with an introductory APR interval approaching two years. Most playing cards prime out at 12-15 months, and a good quantity stretch to 18 months, however few go this far. The largest downsides? There isn’t any bonus provide and no rewards, and the continued APR is nothing to jot down dwelling about, so there’s restricted worth as soon as that promotional interval runs out. The cardboard’s score additionally will get pulled down a bit by the 5% steadiness switch charge ($5 minimal), which is on the excessive aspect. However in the event you’re simply seeking to finance a big expense over as lengthy a interval as attainable, this is perhaps your card.

NerdWallet score: 5 out of 5 stars.

Rate of interest: 0% intro APR on purchases and Stability Transfers for 15 months, after which the continued APR of 18.99%-28.49% Variable APR.

Why the Chase Freedom Limitless® makes our record of the most effective intro APR playing cards: This card earns 5 stars for its excellent money again, nevertheless it additionally packs a robust money-saving punch with a very good introductory APR provide for brand spanking new cardholders. By way of rewards, you get bonus money again on journey booked by way of Chase and at eating places and drugstores, in addition to a higher-than-usual ongoing charge on spending outdoors these classes. You may even switch your rewards to different Chase-branded bank cards for better flexibility.

Bonus provide? Sure. Intro Supply: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

NerdWallet score: 4.6 out of 5 stars.

Rate of interest: 0% intro APR for 18 billing cycles on purchases and steadiness transfers, after which the continued APR of 17.74%-28.74% Variable APR.

Why the U.S. Financial institution Defend™ Visa® Card makes our record of the most effective intro APR playing cards: Bank cards with an intro APR interval this lengthy for purchases do not sometimes provide spending rewards. And whereas the U.S. Financial institution Defend™ Visa® Card would not provide you with money again or factors for each buy, you’ll be able to earn some first rate money again on purchases by way of the issuer’s journey portal. There’s additionally an incentive to maintain the cardboard in your pockets — an annual $20 assertion credit score in the event you make a purchase order for 11 consecutive months. Nonetheless, the first draw is the prolonged break from curiosity.

Rewards? Solely on choose purchases.

NerdWallet score: 4.9 out of 5 stars.

Rate of interest: 0% intro APR for 15 months on purchases and steadiness transfers, after which the continued APR of 18.24%-27.24% Variable APR.

Why the Uncover it® Money Again makes our record of the most effective intro APR playing cards: This card earns wealthy money again whereas providing you with loads of respiration room to pay down a steadiness with out curiosity. Though the rewards program takes a bit of work to handle — requiring you to activate the money again classes on-line each three months — the hassle is price it. You additionally get Uncover’s signature bonus provide for brand spanking new cardholders.

Bonus provide? Sure. INTRO OFFER: Limitless Cashback Match for all new cardmembers – solely from Uncover. Uncover will routinely match all of the money again you’ve earned on the finish of your first 12 months! There’s no minimal spending or most rewards. You would flip $150 money again into $300.

NerdWallet score: 4.9 out of 5 stars.

Rate of interest: 0% intro APR for 15 months on purchases and steadiness transfers, after which the continued APR of 20.24%-29.24% Variable APR.

Why the Blue Money On a regular basis® Card from American Categorical makes our record of the most effective intro APR playing cards: In the event you’ve acquired a significant buy you are seeking to finance, there is a good probability you will be making it on-line, and this card is among the greatest you will discover for bonus rewards on on-line spending. Particularly noteworthy is that the cap on the quantity of spending eligible for the elevated rewards charge is assessed on an annual foundation fairly than quarterly, which means that extra of your large buy will have the ability to qualify. This card additionally has excellent rewards in different main classes. And naturally there’s the nice intro APR interval.

Bonus provide? Sure. Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card inside the first 6 months. Phrases Apply.

NerdWallet score: 5 out of 5 stars.

Rate of interest: 0% intro APR on purchases and steadiness transfers for 15 months; 19.24%-29.24% variable APR after that; steadiness switch charge applies.

Why the Capital One Savor Money Rewards Credit score Card makes our record of the most effective intro APR playing cards: Even with out the intro APR interval, this card would earn 5 stars only for its excellent rewards, which embody bonus money again in among the most typical spending classes for a typical family, equivalent to eating places and grocery shops. That provides it lasting worth that ought to maintain it at or close to the highest of your pockets lengthy after the intro APR interval has ended. (However that interval will not finish for some time.)

Bonus provide? Sure. For a restricted time, get pleasure from a $100 credit score to make use of in direction of flights, stays and rental vehicles booked by way of Capital One Journey throughout your first cardholder 12 months. Plus, earn a $200 money bonus when you spend $500 on purchases inside the first 3 months from account opening.

NerdWallet score: 5 out of 5 stars.

Rate of interest: 0% intro APR on purchases and Stability Transfers for 15 months, after which the continued APR of 18.99%-28.49% Variable APR.

Why the Chase Freedom Flex® makes our record of the most effective intro APR playing cards: In the event you’re keen to place in a bit of work, this card affords excessive rewards potential that can endure after its stable 0% APR interval runs out. Its rewards construction is a fairly distinctive mixture of everlasting bonus classes (journey booked by way of Chase, eating places, drugstores) and rotating classes that change each three months. These quarterly classes generally embody main funds gadgets like grocery shops and fuel stations, though some extra area of interest choices creep in on occasion.

Bonus provide? Sure. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

NerdWallet score: 4.6 out of 5 stars.

Rate of interest: 0% Intro APR for 15 billing cycles for purchases, and for any steadiness transfers made within the first 60 days. After the Intro APR provide ends, a Variable APR that’s at the moment 18.24%-28.24% will apply.

Why the Financial institution of America® Limitless Money Rewards bank card makes our record of the most effective intro APR playing cards: In contrast to most of the different rewards playing cards on this record, the Financial institution of America® Limitless Money Rewards bank card has a rewards construction that virtually anybody can maintain observe of: 1.5% money again on purchases (2% within the first 12 months). No, that is not the very best ongoing flat charge you’ll find — a number of playing cards are completely 2% on all the things. However if you’re a member of the Financial institution of America® Most well-liked Rewards program, you earn increased charges. And apart from, these different playing cards haven’t got an intro APR interval for purchases so long as this one’s.

Bonus provide? Sure. $200 on-line money rewards bonus after making at the least $1,000 in purchases within the first 90 days of your account opening.

Word: This on-line solely provide will not be accessible in the event you depart this web page or in the event you go to a Financial institution of America monetary heart. You may reap the benefits of this provide once you apply now.

NerdWallet score: 4.2 out of 5 stars.

Rate of interest: 0% Intro APR for 15 billing cycles for purchases, and for any steadiness transfers made within the first 60 days. After the Intro APR provide ends, a Variable APR that’s at the moment 18.24%-28.24% will apply.

Why the Financial institution of America® Custom-made Money Rewards bank card makes our record of the most effective intro APR playing cards: This card combines a robust intro APR provide, a stable sign-up bonus and a rewards construction that permits you to select which purchases earn the very best cash-back charge. In the event you’ve acquired a giant expense developing, see whether or not it matches into one among this card’s customizable 3% classes, which embody such choices as on-line purchasing, journey and residential enchancment and furnishings. It might probably take a minute to grasp the small print of this card, nevertheless it’s a keeper for the long run.

Bonus provide? Sure. $200 on-line money rewards bonus after you make at the least $1,000 in purchases within the first 90 days of account opening.

Word: This on-line solely provide will not be accessible in the event you depart this web page or in the event you go to a Financial institution of America monetary heart. You may reap the benefits of this provide once you apply now.

NerdWallet score: 4.6 out of 5 stars.

Rate of interest: 0% intro APR for 15 months on purchases and steadiness transfers, after which the continued APR of 19.24%-29.24% Variable APR.

Why the Capital One Quicksilver Money Rewards Credit score Card makes our record of the most effective intro APR playing cards: The unique 1.5% money again card continues to be the best-known title within the 1.5% recreation. Much less recognized however no much less important is its prolonged intro APR interval. You will discover different playing cards that pay the next flat charge, however they often do not provide you with as a lot respiration room to pay down purchases with out curiosity.

Bonus provide? Sure. For a restricted time, get pleasure from a $100 credit score to make use of in direction of flights, stays and rental vehicles booked by way of Capital One Journey throughout your first cardholder 12 months. Plus, earn a $200 money bonus when you spend $500 on purchases inside the first 3 months from account opening.

NerdWallet assigns star scores to bank cards based mostly on how a lot worth they supply to a typical client. Our scale goes from 1.0 on the backside to five.0 on the prime and is incremented in tenths of a star — equivalent to 2.5, 3.7 or 5.0.

Bank card scores are decided by proprietary formulation developed by NerdWallet’s bank card consultants. On the subject of the most effective 0% APR bank cards, there are usually two sorts of merchandise:

• “Pure” 0% playing cards that provide an extra-long introductory APR interval. These playing cards often don’t provide rewards; their major worth proposition is that they prevent cash on curiosity and costs.

• Rewards playing cards that provide a shorter, however nonetheless substantial, intro APR interval. The first enchantment of those playing cards lies of their rewards, bonuses and perks. The 0% provide is an added enticement.

Every bank card on this web page is rated underneath the components that greatest matches the cardboard’s core worth proposition.

A five-star card isn’t a “perfect” bank card; there’s no such factor as an objectively good card as a result of each client has completely different wants. Somewhat, a 5.0 score signifies a best-in-class card that can ship essentially the most worth to the most individuals. Relying in your particular circumstances, a card with a 4.0 score or perhaps a 3.5 score may truly be the right card for you.

As a result of the bank cards on this web page are a mixture of pure 0% playing cards and rewards playing cards, you might end up evaluating two playing cards that have been rated utilizing completely different formulation. Even so, every is a robust selection for somebody seeking to finance a giant buy with out curiosity. For many individuals, the money again or factors they earn with a rewards card with a 15-month intro interval are price far various additional months at 0%.

NerdWallet’s components for score “pure” 0% playing cards places the best weight on how a lot cash you might save through the use of that card, in contrast with utilizing a typical bank card with a excessive ongoing rate of interest. Key components in that calculation embody:

• The size of the 0% introductory APR interval.

• Whether or not the intro 0% APR applies to purchases, steadiness transfers or each.

• Charges, together with annual charges and steadiness switch charges.

Our components additionally considers whether or not the cardboard supplies important worth after the 0% interval ends, equivalent to with an ongoing perk like cellular phone insurance coverage. Many pure 0% playing cards don’t present a lot of an incentive to maintain utilizing them.

To be thought-about for our roundup of the most effective 0% APR bank cards, a rewards card usually wants to supply a 0% interval longer than a 12 months and cost no annual charge.

Past that, NerdWallet’s scores formulation for rewards playing cards focus not on financial savings, however on earnings — how a lot cash you may make through the use of the cardboard as your major fee technique. Key components in that calculation embody:

• Bonus classes. (We use federal client spending information to evaluate the relative worth of various classes.)

• The complexity of the rewards construction, or how a lot “work” is required to grasp it and make sure you’re getting correct worth.

• Signal-up bonuses, and the way troublesome they’re to earn.

Reddit customers who frequent the location’s private finance boards, notably r/CreditCards, know that requests for bank card suggestions come up on a every day if not hourly foundation. These requests are so frequent that r/CreditCards asks customers to fill out a detailed template with sufficient info to assist different redditors make an acceptable advice.

Posters on r/CreditCards generally ask “What’s the best 0% card?” However these requests do not generate the amount of responses you sometimes see for questions associated to rewards bank cards. That is as a result of if all somebody is searching for is a 0% intro APR interval, there’s not quite a bit to debate. The one actual differentiators are the size of the zero-percent introductory interval and, if the aim is to pay down current high-interest debt, the steadiness switch charge. Past that, 0% playing cards just about all work the identical.

Looking r/CreditCards for “best 0% APR card” turns up dozens of discussions that come on the query from completely different angles, whether or not it is the most suitable choice for massive purchases, for transferring, for enterprise and so forth. In that switch dialogue, one person boils down the choices in 0% APR playing cards the identical means NerdWallet often does:

Maybe the liveliest dialogue among the many threads that Reddit’s algorithm recognized as most related for “best 0% APR card” is not about particular card suggestions in any respect. It is a submit during which a redditor emphasizes that almost each card is usually a 0% APR card … in the event you pay your assertion steadiness in full each month. If you do this, you sometimes have a grace interval in impact that stops curiosity from ever accruing. That, in flip, means the continued APR in your card is irrelevant as a result of your charge is all the time successfully 0% on purchases.

The trick, after all, is ensuring that you just do, actually, pay the steadiness in full every month. Not everybody is in a position to take action. However for individuals who can however typically select to not within the curiosity of preserving money for a “rainy day,” carrying debt month to month is actually throwing cash away. A number of customers provide useful methods to border the problem:

• “Treat a credit card bill like any utility bill. You wouldn’t pay off 1% of your electricity bill every month, so don’t do it with a credit card,” mentioned a person who goes by Ranzar.

• “Cards are negative APR if you pay your balances in full and are smart with earning rewards,” mentioned person noemata1. That is referring to the truth that once you earn rewards on a purchase order and pay no curiosity, your web out-of-pocket price is lower than the quantity of the acquisition. Evaluate this with what occurs when curiosity accrues and makes out-of-pocket price greater than the acquisition quantity.

• “I remember being amazed when I first figured out that credit cards offered FREE 30-60 day loans (depending on when you make the purchase relative to your billing cycle),” added person avg_swe.

NerdWallet’s bank card consultants have reviewed lots of of bank cards. These are essentially the most visited evaluation pages for 0% APR bank cards.

“Pure” 0% APR playing cards: These bank cards have an extended introductory APR interval, however they typically don’t provide rewards. (A few of these playing cards have an extended intro interval for steadiness transfers however not for purchases. This web page focuses on buy APR; see our greatest steadiness switch playing cards for extra choices.)

Rewards playing cards: These bank cards have an introductory APR interval longer than a 12 months however shorter than what you’d discover on “pure” 0% playing cards. Nonetheless, they provide rewards that give them long-term worth after the intro interval runs out.

NerdWallet’s Credit score Playing cards staff selects the most effective 0% APR bank cards based mostly on general client worth, as evidenced by star scores, in addition to their suitability for particular sorts of shoppers. Components in our analysis embody annual charges, the size of a card’s introductory 0% APR intervals (if any) on purchases and steadiness transfers, ongoing APRs, steadiness switch charges, bonus affords for brand spanking new cardholders, rewards charges and redemption choices, and different noteworthy options equivalent to charge waivers or the power to qualify with lower than good credit score.

The knowledge associated to the Citi Customized Money® Card has been collected by NerdWallet and has not been reviewed or supplied by the issuer or supplier of this services or products.