We have featured a list of our top picks for 0% credit cards. Get up to 21 months of 0% interest on purchases and balance transfers with these cards.
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Citi Simplicity® Card
Benefits:
- Special Offer: 0% intro APR for 21 months from account opening on balance transfers and 12 months on purchases.
- No late fees or penalty APRs
- There is a balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent 0% interest card for both purchases and balance transfers. The 0% for balance transfers is the longest at 21 months. 12 months 0% introductory period for purchases is also one of the best.
Discover it® Balance Transfer
Benefits:
- Special Offer: 0% intro APR for 18 months from account opening on balance transfers and 6 months on purchases.
- Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 5% cash back on everyday purchases at different places each quarter when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent balance transfer card with an 18 month 0% rate and 6 months for purchase. The cash back bonus and ongoing cash back make this an excellent card.
U.S. Bank Visa® Platinum Card
Benefits:
- Special Offer: 0% intro APR for 18 months from account opening on balance transfers and purchases.
- Up to $600 protection on your cell phone ($25 deductible) against covered damage or theft when you pay your cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
- Choose a payment due date that fits your schedule
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Another great balance transfer card with an 18 month 0% rate on balance transfers and purchases. Not a ton of rewards here but the $600 mobile phone protection is actually very cool. Much better coverage than your mobile phone carrier for free!
Capital One Quicksilver Cash Rewards Card
Benefits:
- Special Offer: 0% intro APR for 15 months from account opening on balance transfers and purchases.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent 0% interest card for both purchases and balance transfers. The 0% for balance transfers is moderately long at 15 months. The cash back bonus and ongoing cash back make this an excellent card.
