List of 0% APR Credit Card Offers

Update 12/29/23: Some people are seeing Chase Slate with a better 21-month 0% APR offer now when logged into their Chase account. (ht JohnnyBoyJr)

General

During the current high-interest environment, 0% APR offers can be useful for cashing out and parking the cash in a high-yield savings account or CD. These are typically found with new credit card approvals, and occasionally banks will send them out for existing customers as well.

Some readers asked for a list of 0% APR cards, and so I’ve put what I found (some from the comments a recent post where I discussed using a 0% APR offer). Hopefully readers will add and update this list as things evolve. I’ll try adding below any 0% offer of 12 months or longer. Feel free to discuss offers and strategies in the comments below.

Below we’ve listed all cards we’ve found which have 0% APR on purchases and/or balance transfers for 12 months or more. If you use the 0% purchases option there won’t be any fees. Most 0% balance transfer offers have an initial fee, typically it’s 3-5%. We’ve listed below a few options with no fee at all.

We only list cards which have a completely fee-free option: either 0% APR on purchases or 0% on balance transfers with no initial balance transfer fee.

Caveats

A few caveats:

1. Be sure to always double-check that there is no initial transaction fee (typically it’s 3%), especially for balance transfers – even when it’s 0% there’s often an initial 3% fee with those.
2. Always be sure to check the details well before applying on the actual card application page. Offers are constantly changing, and even the same card might have differing APR offers, depending on the card version or the offer landing page.
3. With some banks you only get a small window (say, 60 days) where you can make a purchase or balance transfer to trigger the 0% APR offer. With other issuers, you get the full offer window (e.g. 12 months) to make the purchase or transfer and still get the 0% APR offer.
4. And finally, be sure to always make the minimum payments. And be sure to pay off the balance entirely before the promotional period ends! 

A few other general notes:

1. Many banks will allow you to reallocate your credit lines. If you have a card with 0% APR, you might easily be able to shift over credit from a different card to increase your credit line on the 0% card. See this post for a bank-by-bank break down.
2. If you carry a balance on a personal credit card it can have a major negative impact on your credit score.
3. If you carry a balance on a business credit card it typically will not affect your personal credit score. See this post where we break this down bank-by-bank.
4. If you quickly rack up a lot of debt on your credit report or with a given bank, it might make them nervous about bust-out fraud and can potentially result in shutdowns.
5. Even when done slowly, some banks might be less likely to approve your future credit card applications.
6. If you are someone who struggles with debt, playing this APR game is probably not best for you.

List of 0% APR Offers

Consumer Cards

1. American Express Blue Cash Everyday – 15 months
2. American Express Everyday – 15 months
3. Associated Bank – 18 months
4. Bank of America Unlimited Cash Rewards – 15 months
5. Bank of America Travel Rewards – 15 months
6. Bank of America Customized Cash Rewards – 15 months
7. Bank of America Bank Americard – 18 months
8. Capital One Quicksilver – 15 months
9. Capital One SavorOne Rewards – 15 months
10. Capital One VentureOne Rewards – 15 months
11. Chase Slate – 18 months
12. Chase Slate branch offer – 18 months and no balance transfer fee for the first 60 days
13. Chase Freedom cards – 15 months
14. Citi Custom Cash – 15 months
15. Citi Diamond Preferred – 21 months on balance transfers and 12 months on purchases
16. Citi Rewards+ – 15 months
17. Citi Simplicity – 21 months on balance transfers and 12 months on purchases
18. Discover – 15 months
19. Fairwinds – 12 months on balance transfer and purchases($0 fees)
20. Fidelity Card – 12 months
21. Fifth Third Cashback – 21 months
22. FirstTech FCU – 12 months balance transfer ($0 fees)
23. FNBO Getaway – 12 months
24. General Motors Mastercard – 12 months
25. M&T Signature – 12 months on purchases (BT has 4% fee)
26. Navy Federal Platinum – 12 months .99% APR ($0 additional fees)
27. Regions Cash Rewards – 12 months
28. Regions Life – 15 months
29. Regions Premium – 12 months
30. Regions Prestige – 12 months
31. Salem Five – 18 months
32. Truist Enjoy Cash – 12 months purchases
33. Truist Future – 15 months
34. U.S. Bank Cash+ – 15 months
35. U.S. Bank Visa Platinum – 18 months
36. Wells Fargo Active Cash – 15 months
37. Wells Fargo Autograph – 12 months
38. Wells Fargo Reflect – 18/21 months

Highlights

1. Chase Slate branch offer – 18 months and no balance transfer fee for the first 60 days
2. Fairwinds – 12 months on balance transfer and purchases ($0 fees)
3. FirstTech FCU – 12 months balance transfer ($0 fees)
4. Navy Federal Platinum – 12 months .99% APR ($0 additional fees)
5. Wings Financial CU – 12 months ($0 fees)
6. Fifth Third Cashback – 21 months
7. Wells Fargo Reflect – 18/21 months
8. Bank of America Bank Americard – 18 months
9. U.S. Bank Visa Platinum – 18 months
10. Associated Bank – 18 months

Business Cards

1. American Express Blue Business Plus – 12 months
2. American Express Blue Business Cash – 12 months
3. Capital One Spark Cash Select – 12 months on purchases
4. Chase INK Unlimited  – 12 months
5. Chase INK Cash – 12 months
6. Citizens Bank Business Platinum – 12 months
7. Salem Five business – 18 months
8. U.S. Bank Visa Platinum business – 18 months
9. U.S. Bank Triple Cash – 15 months
10. Edward Jones – 12 months