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The Best 0% Intro APR Credit Cards of 2021

Pay down debt faster and keep more of your money with 0% APR credit cards. Find and compare the best credit cards offering zero interest for 24 months.

Zero APR credit cards

When you make a big purchase, a 0% APR credit card can help buy that major item without having to pay interest for an extended period of time.

The duration of the interest-free period will vary from credit card to credit card, but some of them will waive interest for up to 24 months.

Furthermore, some of these introductory 0% APR offers also include balance transfers (just watch out for the typical 3% balance transfer fee).

They can help you with your goal of reducing debt without having interest charges slow down your progress.

Unfortunately:

Currently, there are no credit cards that provide a 0% APR for 24 months on purchases or balance transfers.

However, these are your next best options:

Best 0% APR Credit Cards of 2021

  • Chase Freedom Unlimited - Best for Cash-Back Rewards
  • Chase Freedom Flex - Best for Rotating Categories
  • Wells Fargo Cash Wise Visa card - Best for Purchases With Digital Wallets
  • Blue Cash Everyday Card from American Express - Best for Everyday Purchase Categories
  • Capital One SavorOne Cash Rewards Credit Card - Best for Dining and Entertainment
  • Capital One Quicksilver Cash Rewards Credit Card - Best for Travel Abroad
  • Ink Business Cash Credit Card - Best With Cash Back for Businesses
  • American Express Blue Business Cash Card - Best With Flat Rate Cash Back for Businesses
  • Citi Diamond Preferred Card - Best for the Longest 0% Intro APR Period
  • U.S. Bank Visa Platinum Card - Best for Purchases and Balance transfers

Best for Cash-Back Rewards

Chase Freedom Unlimited

Chase Freedom Unlimited Card Pros & Cons

Pros Cons
  • Earn 1.5% cash back per $1 spent on all purchases
  • Earn bonus cash back on travel purchased through Chase, dining, and drugstores purchases
  • No minimum to redeem cash back
  • No annual fee
  • Versatility rewards redemption
  • The regular APR for purchases and balance transfers

Chase Freedom Unlimited Editor's Review

Best for Rotating Categories

Chase Freedom Flex

Chase Freedom Flex Card Pros & Cons

Pros Cons
  • Great for bonus cash back on very common spending categories
  • Earn a high amount of cash back on travel booked through Chase Ultimate Rewards
  • No annual fee
  • Potentially high APR if you carry over a balance month-to-month
  • You'll need to remember to activate the quarterly bonus to qualify for the 5% cash back

Best for Purchases With Digital Wallets

Wells Fargo Cash Wise Visa card

Wells Fargo Cash Wise Visa Card Pros & Cons

Pros Cons
  • Simple cash back program
  • No annual fee
  • Versatile redemption options
  • Cell phone protection
  • Cash back earning potential may be higher with other cards

Wells Fargo Cash Wise Visa Card Editor's review

Best for Everyday Purchase Categories

Blue Cash Everyday Card from American Express

Blue Cash Everyday from American Express Pros & Cons

Pros Cons
  • Great cash back program for common, everyday spending
  • No annual fee
  • Ability to carry a balance
  • American Express cards less accepted

Blue Cash Everyday Card from American Express Editor's Review

Best for Dining and Entertainment

Capital One SavorOne Cash Rewards Credit Card

SavorOne Rewards from Capital One Pros & Cons

Pros Cons
  • Great cash back program for dining out and entertainment
  • No foreign transaction fees
  • No annual fee
  • Requires excellent credit

Capital One SavorOne Cash Rewards Credit Card Editor's Review

Best for Travel Abroad

Capital One Quicksilver Cash Rewards Credit Card

Quicksilver from Capital One Pros & Cons

Pros Cons
  • Earn 1.5% cash back on all spending with no limits
  • No annual fee
  • No foreign transaction fees
  • Requires excellent credit

Capital One Quicksilver Cash Rewards Credit Card Editor's Review

Best With Cash Back for Businesses

Chase Ink Business Cash Credit Card

Chase Ink Business Cash Credit Card Pros & Cons

Pros Cons
  • Designed for businesses that spend the most on office supplies, internet, cable and phone services
  • $0 annual fee
  • No additional fee for employee cards
  • Multiple redemption options, including travel through Chase Ultimate Rewards
  • Cash back rewards earnings are subject to an annual spending cap
  • 3% foreign transaction fee applies to purchases made outside the U.S.

Ink Business Cash Credit Card Editor's Review

Best for the Longest 0% Intro APR Period

Citi Diamond Preferred 

With the , you also get 0% APR on purchases and balance transfers for a very long time.

The Citi Diamond Preferred card caters to your unique needs and demands through personalized services, concierge, travel booking assistance, and entertainment assistance.

The Citi Diamond Preferred allows you to transfer an existing credit card balance to the new card. The charge to do so is either $5 or 5%, whichever is greater.

When you make a purchase with the Citi Diamond Preferred Card, you can benefit from an extended warranty on purchased goods, damage and theft protection, and liability protection if fraudulent charges are made with your card.

If you use your card when you travel, you can expect the highest security and 24/7 support.

Travel services offered on your worldwide trip include rental car insurance, accident insurance, emergency assistance, and trip cancellation and interruption services.

Citi Diamond Preferred credit card holders benefit exclusively from the Citi Private Pass.

The Citi Private Pass is for the weekend adventures, dining experiences, date nights, and more.

The Citi Private Pass provides cardholders with private access to special ticket pricing, event passes, and free screenings. Citi even allows you to purchase tickets before they go on sale.

Citi Diamond Preferred Card Editor's Review

Best for Purchases and Balance transfers

U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum Card offers a 0% APR for an extended period of time on purchases and balance transfers. 

It's a solid, no-frills option to help with your debt consolidation goal.

The card has no annual fee but the balance transfer fee is the standard 3 percent of the transferred amount ($5 minimum).

Read the U.S. Bank Visa Platinum Card editor's review.

You might be wondering:

How Much Can You Save With A Zero Interest Credit Card?

Whenever you make a large purchase on a credit card and don’t pay it off in full, you’re likely to face interest charges.

The exact amount of interest will vary based on your card’s APR.

Therefore, it is important to understand how the cost of your purchase increases significantly when you also account for the interest.

The APR is actually not charged all at once during the year. The balance on your credit card is charged interest daily.

Here’s a real-life example:

If the item you purchase costs $2,000, and your APR is 15%, you are charged interest every day the balance is not paid off. The bank charges a daily periodic rate, which is your interest rate –15%--divided by 360 or 365, depending on the rate the card company uses.

How Much Savings After 24 Months

Balance Interest Rate Minimum Payment Interest paid after 18 Months Interest paid after 24 Months
$2,000 15% $40 $415 $550
$5,000 15% $100 $1,000 $1,300
$10,000 15% $200 $2,000 $2,700

  • If you have a $2,000 balance with a 15% interest rate and a $40 minimum payment, you can expect to pay about $415 in interest after 18 months. If you continue to make the monthly minimum payment for 24 months, you will pay nearly $550 in interest.
  • If you have a $5,000 balance, with a 15% interest rate, and a $100 minimum payment, you can expect to spend nearly $1,000 in interest after 18 months, and more than $1,300 in interest after 24 months if you pay the minimum.
  • If you have a $10,000 balance, 15% interest rate, and a $200 minimum payment, you can expect to pay over $2,000 in interest after 18 months, and more than $2,700 in interest after 24 months.

In other words:

Choosing a 0% APR credit card for 24 months can save you hundreds of dollars, and it helps you keep your balance lower.

Without interest dragging you down for so many months, you can focus on paying off your credit card earlier, before the interest piles on.

Bottom Line

When choosing a zero interest credit card, consider a few important takeaways: how long do you get 0% interest, what is excluded, what is your APR after the introductory month, and what is the fee for transferring a balance from an old card to the new card?

With a 0% APR credit card, you can focus on paying down balances without the interest keeping you from becoming debt-free.