Best 0% Intro APR Cards in 2024

_{American Express is a several.com advertiser.}
 

0% intro APR cards are a great option to settle credit debts faster and save you money on huge purchases. Some credit cards offer lengthy zero percent APR periods of 21 months, while most do the same for 12 months. Long zero percent intro APR periods usually come at the cost of generous rewards you would otherwise be gifted with cash back and rewards credit cards. However, since you are looking for one of the best 0% intro APR cards, hefty rewards should not matter as much.
 

What You Need To Know

There are a few things you need to know and understand about 0% intro APR cards before going ahead and signing up for one.

First of all, you should know that the zero percent intro APR offers are almost always for new cardholders, so if your existing credit card has a new APR offer, you probably will not qualify for it.

On the same note, some credit cards only extend their 0% intro APR offers to purchases, some do the same only for balance transfers, and some do both. Zero percent intro APR for balance transfers are also usually valid for a shorter period, in most cases being 60 days.

In addition, take note that the zero percent intro APR period for balance transfer will not free you from the balance transfer fee; you still could be charged from 3% to 5% of the amount you are transferring.

On the other hand, paying off your debt with a balance transfer during the zero percent intro APR period will largely impact your credit score for the better as you make your timely payments and decrease your credit utilization rate. Zero percent intro APR cards also rarely charge an annual fee, unlike cash back and rewards cards.
 

Make The Most Out Of Your Zero Interest Intro APR

Before getting into the best zero percent intro APR credit cards, let us give you some tips and recommendations for making the best out of them.

If you already have an existing high-interest debt, your best move is to transfer it to your new card within the zero percent intro APR period, so you end up paying less interest and saving yourself a lot of money.

You should also plan your big purchases ahead of time and make them during your zero percent intro APR period on your new card for the same reason we mentioned earlier, to save yourself from financial burdens.

Lastly, we recommend you limit your credit card spending so you can lower your credit utilization rate and not impact your credit score negatively. The utilization rate is how much you spend on your credit card compared to your total available credit. The major credit bureaus receive your credit utilization rate and have the power to impact your credit report. A high credit utilization rate will suggest to lenders that you are a risky borrower and do not handle your spending, so keeping your utilization rate as low as possible is recommended.
 

Best Zero 0% Intro APR Cards in 2023

Now that you have all the knowledge you need about zero percent intro APR cards let us present you with our top cards that could catch your eye.
 

1. Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday^® Card from American Express provides you with a 0% intro APR period that lasts 15 months. After that period, the APR ranges between 18.99% - 29.99%. 

The Blue Cash^® Everyday card offers a welcome bonus, where you get to earn $200 statement credits after you spend $2,000 within the first six months.

The Blue Cash^® Everyday card allows you to earn 3% cashback with supermarket purchases up to $6,000, and then 1% after. In addition, you earn 2% on gas purchases at select gas stations and U.S. department stores; and 1% back on other eligible purchases. 

Terms and conditions apply.
All information about Blue Cash Everyday® has been collected independently by Several.com.

2. Chase Freedom Unlimited^®

The Chase Freedom Unlimited^® charges no annual fees and offers you 15 months with zero 0% intro APR, in addition to a variety of generous cashback rewards. The APR after the intro period will range between 15.24% - 23.99%.

The Chase Freedom Unlimted^® provides you with tiered rewards: you earn 5% cash back on travel, 3% cash back on restaurants and dining, including take-out and delivery and drugstore purchases, and 1.5% on all other eligible purchases.

You also get a 1.5% cashback bonus on up to $20,000 you spend in the first year on all other purchases.

The Chase Freedom Unlimited^® also provides you with a handful of travel benefits such as:

• Roadside dispatch for roadside emergencies
• Auto rental collision damage waiver
• Travel and emergency assistance services
• Trip cancellation/ trip interruption insurance

Terms and conditions apply.

3. Citi^® Diamond Preferred^® Card

The Citi^® Diamond Preferred^® Card offers one of the most lengthy 0% intro APR periods that last 21 months for balance transfers and 12 months for purchases. After that, the APR will vary between 13.74% - 23.74%. Note that even though the balance transfer intro 0% APR period is 21 months, the balance transfer needs to occur within the first four months.

The Citi^® Diamond Preferred^® Card also charges no annual fees and offers its Citi Entertainment platform where cardholders can earn pre-sale tickets and VIP packages to entertainment, concerts, and sporting events.

Foreign transaction fees will cost you 3%, so this card may not serve you well if you are a frequent international traveler.

Terms and conditions apply.

4. U.S Bank Altitude^® Go Visa Signature^® Card

The U.S Bank Altitude^® Go Visa Signature^® Card provides you with an intro 0% APR for 12 billing cycles on purchases and balance transfers made within the first 60 days. After the intro period, the APR ranges between 14.99% - 23.99%.

Its intro offer allows you to earn 20,000 bonus points if you spend $1,000 within 90 days on eligible purchases, which measure up to $200 towards gift cards, cashback, travel, merchandise, statement credits, and more.

You can also earn redeemable 4X points on dining, take out, and delivery, 2X points on groceries, gas stations, EV charging stations, eligible streaming purchases, and 1X points on all other eligible purchases.

Moreover, the U.S Bank Altitude^® Go Visa Signature^® Card charges no annual fees and zero foreign transaction fees, making it an excellent option for frequent international travelers.

Terms and conditions apply.

_{Disclaimer: Several.com may receive a commission from card issuers.
This article includes the author's opinions, reviews, and analyses alone that have not been reviewed, endorsed, or approved by any of these entities. Please note that the information regarding each card's offer is believed to be accurate as of the date it was written and as card offers change regularly; reasonable efforts are made to maintain accurate information.}