Best 0% intro APR credit cards

When you do the math, interest savings on credit cards with significant 0% intro periods add up. Provided you use these types of cards responsibly and factor in the balance transfer fee, a 0% intro APR credit card can offer a quicker way to repay existing debt or help you buy that high-value item sooner without incurring interest.

Our team has compiled the list below of the best 0% intro APR credit cards.

Best 0% intro APR credit card for cash back with no foreign transaction fee: Capital One® QuickSilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Why it’s the best

If you want a credit card that’s low in fees but still rewards you for day-to-day spending, the Capital One QuickSilver Cash Rewards Credit Card is hard to beat. There are no annual or foreign transaction fees, and since Visa is widely accepted, this card will come in handy during your globetrotting adventures.

Its cash back rewards program is straightforward too — you get 1.5% back on all purchases — with no rewards categories or caps to worry you. The welcome offers are generous for a card without fees: $150 cash bonus if you spend $500 within the first three months, and 0% intro APR on both purchases and balance transfers for 15 months with a variable go to rate of 15.74% – 25.74% after that.

Bonus points:

  • Receive rewards as cash back, statement credit, gift cards and more. There’s no minimum redemption, and rewards won’t expire for the life of the account.
  • Get extra protection with travel accident insurance, auto rental collision damage waiver and 24-hour travel assistance services.

Best 0% intro APR credit card for balance transfers & bonus categories: Discover it® Balance Transfer

Discover it® Balance Transfer
Discover it® Balance Transfer
Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Why it’s the best

The Discover it® Balance Transfer card is remarkably similar to the Discover it® Cash Back but with a more attractive balance transfer offer attached. It’ll appeal to someone who prioritizes paying off an existing balance but wants to earn cash back once they’ve conquered their debt.

The 18-month 0% intro APR period with a variable go to rate of 13.49% – 24.49% after that is long enough to make a difference to your interest savings, but you’ll have to transfer balances by March 10, 2020, to qualify for the offer. The interest-free period stands at six months for purchases — not the best on the market — but hardly a deal-breaker if your focus is reducing debt.

Bonus points:

  • Outsize cash back: Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • As a welcome offer, Discover will match the rewards you earn in your first 12 months automatically with no caps.

Best 0% intro APR credit card for first-year cash back match: Discover it® Cash Back

Discover it® Cash Back
Discover it® Cash Back
Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Why it’s the best

The Discover it® Cash Back card offers an attention-grabbing 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Bonus categories for each quarter are announced at the beginning of the year, giving you a chance to time your purchases to maximize your cash back.

For its welcome bonus, Discover promises dollar-for-dollar cash back to match your first year’s spend. While this means you have to wait longer to receive your bonus, you can potentially get a huge reward. The 0% intro APR for 14 months on both purchases and balance transfers with a variable go to rate of 13.49% – 24.49% after that is great for a card without annual fees.

Bonus points:

  • Flexible redemption: Receive rewards as statement credit, direct deposit or a donation to select charities. Use them to shop on Amazon or buy gift cards. There’s no minimum redemption, and rewards won’t expire if your account remains open.
  • Save on fees: Zero foreign transaction fee and no late payment fee on your first late payment.

Best 0% intro APR credit card for cash back pairing with Chase Sapphire Preferred Card: Chase Freedom Unlimited

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Why it’s the best

The Chase Freedom Unlimited card and the Chase Sapphire Preferred card gives you more for your spending. You can get 2X points on travel and dining at restaurants from your Chase Sapphire Preferred and 1.5% flat-rate cash back on everything else with your Chase Freedom Unlimited.

With no annual fee and cash back that applies to all purchases, Chase Freedom Unlimited is simple to use and inexpensive to keep. The sign-up bonus of $150 is handy, especially as you’ll only need to spend $500 within the first three months to qualify. The 0% intro APR on purchases and balance transfers is decent at 15 months with a go to variable rate of 16.49%-25.24% after that, but make sure you transfer amounts in the first 60 days to get the discounted balance transfer fee of 3%.

Bonus points:

  • Rewards won’t expire for the account’s life. Receive rewards as cash back, statement credit or direct deposit. Shop with points on Amazon, redeem as gift cards or use for travel rewards. Enjoy no minimum redemption.
  • Protect new purchases for 120 days against damage or theft, and get extended warranty for an additional 12 months.

Best 0% intro APR credit card for lengthy intro period: HSBC Gold Mastercard Credit Card

HSBC Gold Mastercard® credit card
HSBC Gold Mastercard® credit card
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% – 20.99% will apply.

Why it’s the best

The HSBC Gold Mastercard Credit Card makes up for its lack of traditional rewards with a lengthy 18-month 0% intro APR period for both purchases and transfers. With no annual fee, it’ll particularly appeal to those who are serious about consolidating balances into one manageable sum so they can save on interest, streamline repayments and pay it off faster.

It’ll also attract someone who wants to buy a big-ticket item and values competitive APRs after the intro period.

Bonus points:

  • It’s great for travel with no foreign transaction fees, protection against physical damage and theft on most rental vehicles and travel accident insurance.
  • It includes one late fee waiver every 12 months with a no penalty APR.

Best 0% intro APR credit card for 5% Bonus Categories: Chase Freedom

Chase Freedom®
Chase Freedom®
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Why it’s the best

Chase Freedom delivers a lot of value for a $0 annual fee. The card is great for someone who wants to maximize the cash back potential of their spending. You can earn an outsized 5% cash back on the first $1,500 combined purchases in broad bonus categories each quarter you activate. These rotate quarterly, so you’ll have to keep a close eye on the rewards calendar.

Since cash back is awarded as Chase Ultimate Rewards points, you’ll be part of a highly flexible rewards program. In the program, you can use your points for cash back or other things like statement credits, gift vouchers, shopping on Amazon and even travel. You can combine points across eligible accounts too.

The $150 sign-up bonus is excellent, and the 15-month 0% intro APR on purchases and balance transfers with a variable go to rate of 16.49%-25.24% after that can potentially save you a lot of interest.

Bonus points:

  • Take advantage of no minimum redemption and rewards that don’t expire (as long as your account is open).
  • Get extended warranty for 12 months, and protect purchases for 120 days against damage or theft.

Kristie Kwok

Kristie Kwok is a finance content writer with in-depth knowledge of the banking industry from her previous work experience in banks such as UBS, Lloyds Banking Group and Royal Bank of Scotland. She is a qualified accountant with a Bachelor of Commerce degree, specializing in Accounting and Finance.