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A 0% intro APR credit card can be a powerful financial tool — whether you're planning a big purchase, tackling existing debt, or just need a little breathing room. These cards let you avoid interest for a set time, helping you pay off balances without added pressure. But not all offers are created equal, and some come with fine print you’ll want to know before diving in.
How does a 0% introductory offer work? And which cards have the best offers for introductory interest? Let's take a look.
How 0% Introductory APR Offers Work
A 0% intro APR card lets you avoid interest for a set period — usually on new purchases, balance transfers, or both. During that time, you won’t pay interest on qualifying transactions. After the promo period ends (e.g., 12 months), any remaining balance begins accruing interest at the card’s regular APR — which is typically based on your credit profile.
While you may have a 0% introductory rate, balance transfers typically require paying a 3%–5% fee on transfers, often with a $5 minimum. Also, many issuers only apply the intro APR to transfers made within a set window — typically 45 days or two billing cycles from account opening. So, it pays to act fast and pay off the balance before interest kicks in.
The 5 Best Credit Cards With No Annual Fee and 0% Introductory APR
If you've decided you want a credit card with no annual fee and a 0% introductory APR, you're in the right place. These are our top picks.
Blue Cash Everyday® Card from American Express
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Purchase APR: Introductory APR of 0% on purchases for 15 months, then a Variable rate of 20.24% - 29.24% (Rates & Fees)
- Annual card fee: $0 (Rates & Fees)
- Card highlights: High-value welcome offer for a card with no annual fee. Fantastic cash-back return on everyday spending categories, including U.S gas stations, U.S. supermarkets, and U.S online shopping
Related: Blue Cash Everyday full review
Chase Freedom Unlimited®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, 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, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
- Purchase APR: 0% introductory APR on purchases for 15 months, then a Variable rate of 18.99% - 28.49%
- Balance Transfer APR and fee: Enjoy a 0% introductory APR on balance transfers for 15 months, then a Variable rate of 18.99% - 28.49%. Note the balance transfer fee: Either $5 or 3% of the amount of each transfer made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer. Whichever value is greater will apply in both cases.
- Annual card fee: $0
- Card highlights: Earn 1.5% on all other purchases cash back on all purchases; when combined with the points earned from Chase credit cards with an annual fee, these Ultimate Rewards can be redeemed in the Chase Travel Portal or transferred to travel partners for a higher return.
The Chase Freedom Flex℠ is also an option if you can maximize the rotating 5% bonus categories each quarter. However, we recommend the Freedom Unlimited if you want a simple earning structure and maximizing return on non-bonus spending.
Related: Freedom Unlimited full review
Chase Slate Edge℠
- Purchase APR: 0% Intro APR on Purchases for 18 months and 0% Intro APR on Balance Transfers for 18 months, then a Variable APR of 18.99% - 28.99%
- Annual card fee: $0
- Card highlights: Automatic consideration for a 2% reduction in APR each year you spend $1,000 or more on purchases. Plus, get purchase protection, extended warranty, and rental car insurance benefits.
Related: Chase Slate Edge full review
U.S. Bank Business Platinum Card
- Purchase APR: 0% intro APR on purchases for 12 billing cycles on purchases, then a Variable rate of 16.99% - 25.99%
- Annual card fee: $0
- Card highlights: Introductory APR offers of up to 12 Billing Cycles on purchases and balance transfers
Citi Custom Cash® Card
- Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou® Points
- 5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle
- No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.
- Excellent intro APR offer on purchases and balance transfers
- No annual fee
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
- 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
- Purchase APR: 0% introductory APR for 15 months, then a Variable rate of 18.24% - 28.24%
- Balance Transfer APR and fee: 0% introductory APR on balance transfers for 15 months, then a Variable rate of 18.24% - 28.24%. Balance transfer fee applies with this offer: 5% of each balance transfer; $5 minimum.
- Annual card fee: $0
- Card highlights: Earn up to 5% cash back on 10 different bonus categories, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. Plus, if you also hold a Citi Prestige® Card or Citi Strata Premier® Card, you can combine points and then transfer to more than a dozen airline partners.
Related: Citi Custom Cash full review
Are There Downsides to Using a 0% Introductory APR Card?
Reaping the benefits of a 0% APR card comes down to discipline. The first rule of collecting points and miles is never to carry a balance on your cards. When you're earning rewards at a rate of 2-3%, getting slapped with interest of up to 30% quickly wipes out any gains you may have made.
When you take on a 0% introductory APR card intending to carry a balance, you need to reinforce your habits and ensure you are aware of the rules. If you’re late on a payment, the bank may nullify the 0% rate, again eliminating any gains you have made. However, if you understand how a 0% introductory offer works and can employ it to avoid interest as you pay down debts or finance a large project, you'll save money in the long run.
Final Thoughts
When used strategically, a 0% intro APR card can save you hundreds (or even thousands) in interest — whether you're chipping away at a balance or funding a major purchase. Just make sure to mark your calendar for when the intro period ends and have a plan to pay off your balance in time. And if you pick a card with strong rewards or perks, you’ll still find value long after the promo period ends.
If you’re looking for a 0% introductory APR credit card, you can’t overlook the Blue Cash Everyday. With no annual fee (Rates & Fees) and top rewards, it's a great card to keep even after your introductory interest period expires.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
