List of 0% APR Credit Card Offers

(Original post 12/29/23, updated and reposted 3/26/25)

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. BMO Platinum – 15 months
9. Capital One Quicksilver – 15 months
10. Capital One SavorOne Rewards – 15 months
11. Capital One VentureOne Rewards – 15 months
12. Chase Freedom cards – 15 months
13. Chase Slate – 18 months
14. Chase United Gateway – 12 months on purchases
15. Citi Custom Cash – 15 months
16. Citi Diamond Preferred – 21 months on balance transfers and 12 months on purchases
17. Citi Rewards+ – 15 months
18. Citi Simplicity – 21 months on balance transfers and 12 months on purchases
19. Discover – 15 months
20. Fairwinds – 12 months on balance transfer and purchases ($0 fees)
21. Fidelity Card – 12 months
22. Fifth Third Cashback – 15 months
23. FNBO Getaway – 12 months
24. GECU– 12 months on purchases
25. General Motors Mastercard – 12 months
26. M&T Signature – 12 months on purchases (BT has 4% fee)
27. Navy Federal Platinum – 12 months .99% APR ($0 additional fees)
28. Old National Platinum card – 18 months on purchases
29. Regions Cash Rewards – 12 months
30. Regions Life – 15 months
31. Regions Premium – 12 months
32. Regions Prestige – 12 months
33. Salem Five – 18 months
34. Skyla Credit Union Platinum – 12 months 0% on purchases and BT with  0% fee
35. Truist Enjoy Cash – 12 months purchases
36. Truist Future – 15 months
37. U.S. Bank Cash+ – 15 months
38. U.S. Bank Shield – 24 months on purchases (our post)
39. U.S. Bank Smartly Visa – 12 months on purchases
40. Wells Fargo Active Cash – 15 months
41. Wells Fargo Autograph – 12 months
42. Wells Fargo Reflect – 18/21 months
43. Navy Federal (NFCU) Cash Rewards – 12 months on balance transfers with no fees
44. [WA Only] WECU $250 Credit Card Bonus + 0% APR For 12 Months on purchases

Business Cards

1. American Express Blue Business Plus – 12 months
2. American Express Blue Business Cash – 12 months
3. American Express Business Gold – 6 months on purchases with Pay Over Time
4. Atlantic Union Bank business card – 18 months
5. BMO Business Platinum – 18 months on purchases
6. Chase INK Unlimited – 12 months
7. Chase INK Cash – 12 months
8. Citizens Bank Business Platinum – 12 months
9. Edward Jones – 12 months on balance transfers (no fee first 60 days)
10. Salem Five business – 18 months
11. U.S. Bank Visa Platinum business – 18 months
12. U.S. Bank Triple Cash – 15 12 months
13. Wells Fargo Signify business – 12 months on purchases

Highlights

1. Chase Slate branch offer – 18 months and no balance transfer fee for the first 60 days
2. U.S. Bank Shield – 24 months on purchases (our post)
3. Atlantic Union Bank business card – 18 months
4. Fairwinds – 12 months on balance transfer and purchases ($0 fees)
5. FirstTech FCU – 12 months balance transfer ($0 fees)
6. Skyla Credit Union Platinum – 12 months 0% on purchases and BT with 0% fee
7. Navy Federal Platinum – 12 months .99% APR ($0 additional fees)
8. Fifth Third Cashback – 15 months
9. Wells Fargo Reflect – 18/21 months
10. Bank of America Bank Americard – 18 months
11. U.S. Bank Visa Platinum – 21 months
12. Associated Bank – 18 months
13. Navy Federal (NFCU) – 12 months on balance transfers with no fees