Best 0% APR Credit Cards 2025 – Top No Interest & Balance Transfer Offers

What Is a 0% APR Credit Card and How Does It Work?

A 0% APR credit card offers no interest on purchases, balance transfers, or both for a promotional period. This means you can carry a balance without paying interest during that time.

After the intro period ends, the regular APR (usually between 18% and 29%) applies to any remaining balance.

There are two main types of 0% APR offers:

• 0% APR on purchases: Ideal for financing large expenses like appliances, vacations, or medical bills.
• 0% APR on balance transfers: Perfect if you want to move debt from a high-interest card and pay it off interest-free.

Some cards offer both, giving you the best of both worlds - interest-free purchases and balance transfers for up to 21 months.

These cards are especially popular among U.S. users looking for low-interest credit cards or best no-interest credit cards with flexible payment options.

Why 0% APR Credit Cards Matter in 2025

In today's high-interest environment, 0% APR credit cards are more important than ever. If you’re planning a large purchase or trying to pay off existing debt, a no-interest credit card can be a powerful financial tool.

With inflation still affecting everyday spending and many cards now charging over 20% APR, getting up to 21 months with 0% interest is a real advantage.

Here’s why 0% APR credit cards matter in 2025:

• You can get up to 21 months of no interest on purchases or balance transfers.
• They help you manage large expenses without financial stress.
• You can save hundreds or even thousands in interest payments.
• You gain flexibility to pay off debt on your own timeline.
• Many top cards charge no annual fee, keeping costs low.

The good news is that 2025 brings some of the best no-interest credit card deals from trusted U.S. issuers like Citi, Wells Fargo, Chase, and U.S. Bank. These offers combine long 0% APR periods with strong features like rewards, low fees, and flexible balance transfer options.

If you want to improve your approval chances, read our guide on Best Credit Cards for Building Credit and learn how to improve your credit score fast.

For smart debt repayment, check out our practical tips on how to pay off credit card debt quickly and learn how balance transfers work before you apply.

Top 5 Best 0% APR Credit Cards in USA (2025)

Looking to avoid interest while making large purchases or paying off debt? A 0% APR credit card is your best tool. Whether you're planning a big expense, consolidating balances, or just want breathing room, these cards can save you hundreds.

1. Wells Fargo Reflect® Card

Perfect for long-term interest-free payments on purchases and balance transfers.

Why We Recommend It

The Wells Fargo Reflect® Card is one of the top credit cards in 2025 for avoiding interest. It offers up to 21 months of 0% intro APR on both purchases and balance transfers. This makes it ideal for anyone looking to pay off credit card debt or finance a big-ticket item without the burden of interest charges.

While it does not offer cash back or points, this card is all about savings. With no annual fee and extras like cell phone protection and fraud monitoring, it delivers practical value for budget-focused users.

Key Features of Wells Fargo Reflect® Card

• 0% intro APR for up to 21 months (18 months plus 3 extra months with on-time payments)
• Applies to both new purchases and balance transfers
• Balance transfers must be completed within 120 days of account opening
• Balance transfer fee is 5% (minimum $5)
• Ongoing APR: 17.24% to 28.99% variable
• No annual fee
• Up to $600 in cell phone protection per claim
• Includes roadside assistance and zero liability fraud protection

Pros : Wells Fargo Reflect® Card

• One of the longest 0% APR periods available in 2025
• Applies to both purchases and balance transfers
• No annual fee
• Cell phone protection included
• Great for debt payoff or financing large purchases

Cons: Wells Fargo Reflect® Card

• No cashback or rewards
• Balance transfer fee applies
• No sign-up bonus
• Requires good to excellent credit (690+ FICO)

Who Should Consider Wells Fargo Reflect® Card

• Consumers with high-interest credit card balances
• Shoppers planning a large purchase
• Users looking for low-cost financing options
• People who value basic protection benefits

To keep the full 21-month no-interest benefit, always pay on time. Even one missed payment may shorten your promo period.

2. Capital One Savor Cash Rewards Credit Card

Great pick for earning high cashback on dining, entertainment, and streaming.

The Capital One Savor Cash Rewards Credit Card is perfect for people who spend frequently on dining, entertainment, and streaming. With generous cashback on those categories, this card turns your everyday fun into real savings.

It also comes with a 0% APR offer for new purchases and balance transfers, making it a strong choice if you're planning a big event or vacation in 2025.

For example, if you spend $400 per month on dining and streaming combined, you'd earn nearly $200 in cashback annually — and that’s before the welcome bonus. This card is great for families, foodies, and entertainment fans.

Features & Terms of Capital One Savor Cash Rewards Credit Card

• 0% intro APR on purchases and balance transfers for 15 months
• Balance transfer fee: 3% for first 15 months, then no fee
• Ongoing APR: 19.99% to 29.99% variable
• Annual fee: $95
• Perks: Access to Capital One Dining, streaming service benefits, and contactless payments

Rewards Rate of Capital One Savor Cash Rewards Credit Card

• 4% cashback on dining and entertainment
• 4% on popular streaming services
• 3% at grocery stores
• 1% on all other purchases

Pros: Capital One Savor Cash Rewards Credit Card

• High cashback on dining, entertainment, and streaming
• Good for families and frequent social spenders
• Includes intro APR for financing flexibility
• Great welcome bonus offer

Cons: Capital One Savor Cash Rewards Credit Card

• $95 annual fee after first year
• No intro 0% APR on balance transfers beyond 15 months
• Not ideal for low spenders or those seeking travel rewards

3. Citi Simplicity® Card

Best for: Debt payoff with no penalties or surprises

The Citi Simplicity® Card stands out in 2025 for its clear, no-nonsense terms and low fees. It offers 0% APR for 21 months on balance transfers and 12 months on new purchases. This makes it an excellent option for consumers looking to pay off existing credit card debt without added interest or penalties.

For example, if you transferred $5,000 from a high-interest card with a 22% APR, you could save over $1,000 in interest during the intro period. The card charges no late fees, no penalty APR, and no annual fee helping you focus on paying down your balance, not extra costs.

Features & Terms of Citi Simplicity Card

• 0% intro APR for 21 months on balance transfers (completed within 4 months of account opening)
• 0% intro APR for 12 months on purchases
• Balance transfer fee: 3% during intro window, then up to 5%
• Ongoing APR: 19.24% to 29.99% variable
• Annual fee: $0
• Perks: No late fees, no penalty APR, My Cashback purchase protection offers

Rewards Rate of Citi Simplicity Card

• No cashback or points rewards
• Best used as a tool to reduce interest and manage debt

Pros : Citi Simplicity Card

• Longest 0% APR on balance transfers in 2025
• No late fees or penalty interest charges
• No annual fee
• Great for credit card consolidation or emergencies

Cons : Citi Simplicity Card

• No rewards program or cashback
• Balance transfer must be completed within 4 months
• Ongoing APR can be high after intro period

4. Blue Cash Everyday® Card from American Express

Ideal for families and individuals looking to earn cashback on everyday essentials

The Blue Cash Everyday® Card from American Express is one of the top cashback credit cards for 2025. It combines value, rewards, and an introductory 0% APR offer, making it ideal for families, grocery shoppers, and anyone managing household expenses.

With 0% intro APR for 15 months on purchases and balance transfers, it’s a solid choice for financing large purchases or transferring balances without interest. You’ll also earn up to 3% cashback at supermarkets, gas stations, and online retail. This card is especially helpful for users who want both savings and ongoing rewards without an annual fee.

For instance, someone spending $600 monthly on groceries could earn over $200 annually in cashback alone. When paired with the no-interest intro period, this card becomes a great all-around financial tool.

Features & Terms of Blue Cash Everyday Card

• 0% intro APR for 15 months on purchases and balance transfers
• Balance transfer fee: 3% or $5 (whichever is greater)
• Ongoing APR: 19.24% to 29.99% variable
• Annual fee: $0
• Perks: Amex Offers, Plan It® payment options, fraud protection, return protection

Rewards Rate of Blue Cash Everyday Card

• 3% cashback at U.S. supermarkets (up to $6,000 annually)
• 3% cashback at U.S. online retail purchases
• 3% cashback at U.S. gas stations
• 1% cashback on all other purchases

Pros : Blue Cash Everyday Card

• Strong cashback in everyday categories
• No annual fee
• Good for families and online shoppers
• Trusted Amex customer service and protection

Cons: Blue Cash Everyday Card

• Cashback caps apply to supermarket rewards
• Foreign transaction fee (not ideal for international travel)
• 3% balance transfer fee adds to transfer cost

5. Chase Freedom Unlimited®

Best suited for: Earning consistent cashback with maximum flexibility

Chase Freedom Unlimited® is one of the most versatile credit cards for everyday use in 2025. With unlimited 1.5% cashback on all purchases and bonus categories like travel and dining, it offers strong value and flexibility. The card also comes with a 0% intro APR on purchases and balance transfers for 15 months, helping users finance big purchases or pay down debt without interest.

This card is great for users who want to earn consistent rewards without thinking about rotating categories. For example, if you spend $1,000 monthly, you'll earn at least $180 per year in cashback automatically.

Features & Terms of Chase Freedom Unlimited

• 0% intro APR for 15 months on purchases and balance transfers
• Balance transfer fee: 3% (or $5 minimum) during intro period
• Ongoing APR: 20.49% to 29.24% variable
• Annual fee: $0
• Perks: Purchase protection, trip cancellation insurance, extended warranty, credit journey access

Rewards Rate of Chase Freedom Unlimited

• 5% cashback on travel booked through Chase Ultimate Rewards
• 3% cashback on dining and drugstore purchases
• 1.5% cashback on all other purchases (unlimited)

Pros : Chase Freedom Unlimited

• Simple, flat cashback with bonus categories
• No annual fee
• Intro APR on purchases and transfers
• Great travel protections for a no-fee card

Cons : Chase Freedom Unlimited

• No 0% intro APR beyond 15 months
• Foreign transaction fees apply
• Requires good to excellent credit for approval

Comparison Table – Best 0% APR Credit Card Offers 2025

Which 0% APR Credit Card Should You Choose?

If your goal in 2025 is to avoid paying interest, the right 0% APR credit card can make a big difference. These cards help you manage debt, finance major purchases, or even earn rewards while keeping costs low.

The best option depends on your personal financial goals:

• Want the longest 0% APR period? Choose the Wells Fargo Reflect® Card, which offers up to 21 months of interest-free payments on purchases and balance transfers.
• Prefer simplicity and no late fees? The Citi Simplicity® Card is designed for stress-free repayment.
• Looking for cash back on everyday spending? Consider the Blue Cash Everyday® Card from American Express or Chase Freedom Unlimited®.
• Travel frequently? The Capital One VentureOne Rewards Credit Card provides miles without annual fees.
• Spend heavily on groceries and streaming? The Blue Cash Preferred® Card from Amex offers elevated rewards.
• Love dining and entertainment perks? The Capital One Savor® Card gives bonus rewards on food, concerts, and nightlife.
• Want both rewards and balance transfer benefits? Try the Discover it® Balance Transfer. It combines cash back with a solid 0% intro APR period.

Choosing the right 0% APR credit card can help you save hundreds, even thousands of dollars in interest. More importantly, it allows you to stay financially organized while enjoying added perks like rewards, travel points, and exclusive offers from trusted U.S. issuers.

Best 0% APR Credit Cards for Balance Transfers

If your main priority is to pay off high-interest credit card debt, a 0% APR balance transfer card can help you save hundreds or even thousands of dollars in interest. These cards allow you to focus on repayment without the constant pressure of high interest rates.

For readers exploring more ways to manage debt, see our guide on Best Credit Cards for Building Credit to strengthen your financial profile.

Top Balance Transfer Credit Cards in 2025

• Citi Simplicity® Card: Get 21 months of 0% APR on balance transfers. There are no late fees or penalty APR, which makes it one of the most forgiving options for paying down debt.
• Wells Fargo Reflect® Card: Enjoy up to 21 months of 0% APR when you make on-time payments. It’s a strong choice for consolidating multiple balances and managing debt without interest.
• Citi® Diamond Preferred® Card: Offers a long 0% APR introductory period on balance transfers, ideal for larger balances that need more time to repay.
• BankAmericard® Credit Card: A simple and dependable choice with no annual fee. While it doesn’t include rewards, it remains one of the Best No Annual Fee Credit Cards for straightforward balance transfers.

Pro Tip: Always review the balance transfer fee, which is typically 3 to 5 percent of the transferred amount. Complete your transfers within the first 60 to 90 days after account opening to ensure you qualify for the promotional 0% APR offer.

Best 0% APR Credit Cards for Purchases

If you are planning a big purchase in 2025, such as a new laptop, home appliance, or travel booking, a 0% APR credit card for purchases can help you spread out payments without paying interest. These cards are ideal for short-term financing while keeping your budget manageable.

For readers who want rewards along with interest-free periods, check out our guides on Best Rewards Credit Cards 2025 to compare more options.

Top 0% APR Purchase Credit Cards in 2025

• Chase Freedom Unlimited®: Enjoy 0% APR for 15 months on purchases and balance transfers. You also earn up to 5 percent cash back on travel, 3 percent on dining and drugstores, and 1.5 percent on all other purchases. It is a flexible card that combines strong rewards with a solid intro offer.
• Blue Cash Everyday® Card from American Express: Offers 0% APR for 15 months on purchases and balance transfers, plus cash back on everyday essentials. You earn 3 percent at U.S. supermarkets, 3 percent at gas stations, and 3 percent on online retail up to a set limit each year.
• Wells Fargo Active Cash® Card:  Provides 0% APR for 15 months on purchases and balance transfers, along with unlimited 2 percent cash rewards on all spending. It is one of the Best No Annual Fee Credit Cards for shoppers who prefer simple, flat-rate rewards.
• Bank of America® Customized Cash Rewards Card – Offers 0% APR for 18 billing cycles on purchases and balance transfers made in the first 60 days. You can choose your 3 percent cash-back category, including gas, dining, travel, or online shopping.

Always plan large purchases early in the 0% period to get maximum interest-free time. If you want to continue saving after the intro offer ends, explore our detailed guide on Best Credit Cards for Balance Transfer 2025 to find extended 0% APR options.

How to Choose the Right 0% APR Credit Card

Choosing the right 0% APR credit card depends on your financial goals. Whether you want to consolidate debt, make a large purchase, or earn rewards while saving on interest, comparing features carefully can help you find the best match.

Here are the key factors to consider before applying:

• Introductory APR Duration:Look for cards that offer the longest 0% APR period. Some cards provide up to 21 months of no interest, while others last around 15 months. If you need extra time to pay off debt, a longer promotional period can make a big difference.
• Type of Offer:Decide whether you need a card for purchases, balance transfers, or both. Some of the Best 0% APR Credit Cards for Balance Transfers are designed to help you pay off existing debt, while others are perfect for financing new expenses.
• Balance Transfer Fees:Even with a 0% interest offer, most cards charge a transfer fee between 3 and 5 percent of the total balance. Before applying, calculate whether the savings outweigh the cost of the fee.
• Rewards and Benefits:If you spend regularly on groceries, gas, or dining, consider a card that earns cash back while offering a 0% APR period. You can compare top options in our Top Cash Back Credit Cards in the USA guide to see which card fits your lifestyle.
• Credit Score Requirement:Most 0% APR credit cards require good to excellent credit. If your score is still improving, start with one of the Best Credit Cards for Building Credit before applying for premium offers.
• Annual Fee:Many of the best 0% APR credit cards have no annual fee. Always check the fine print to ensure your savings are not offset by extra charges.

Expert Tip: A longer 0% period is helpful only if you can pay off your balance before the intro term ends. Once the promotional period is over, the regular APR applies to any remaining balance. Set up automatic payments to stay on track and avoid interest charges.

How to Qualify for a 0% APR Credit Card

Qualifying for a 0% APR credit card in 2025 depends mainly on your credit score and financial history. Most issuers such as Chase, Citi, and Wells Fargo prefer applicants with good to excellent credit.

Tips to improve approval chances:

• Maintain a good credit score: A score above 670 increases approval odds. If you are still building credit, explore Best Credit Cards for Building Credit.
• Pay down existing balances: Keep your credit utilization below 30 percent to show responsible use.
• Check prequalification: Use online prequalify tools before applying to avoid hard inquiries.
• Limit multiple applications: Applying for several cards quickly can reduce your score.
• Verify your income: Lenders prefer stable income that supports repayment.

Pro Tip: Start with a beginner or secured card to build trust with issuers, then upgrade to a Top No Annual Fee 0% APR Card once your score improves.

How to Use 0% APR Credit Cards Smartly (To Avoid Interest)

A 0% APR credit card can save you a lot of money, but only if you manage it wisely. Here are simple ways to make the most of your no-interest period.

• Pay on time every month
  Late payments can cancel your 0% offer and trigger penalty interest rates. Set up automatic payments or reminders to stay consistent.
• Avoid new debt
  Do not use the card for unnecessary spending. Focus on paying off your balance during the interest-free period.
• Plan your repayment
  Divide your total balance by the number of months in your 0% offer. Pay that amount monthly to clear the debt before regular APR starts.
• Watch for fees
  Some cards charge balance transfer or late payment fees. Review the terms carefully before using your card for major expenses.
• Track when the promo ends
  Once the introductory period expires, the regular APR applies to any unpaid balance. Plan to pay it off early to avoid surprise interest charges.

Pro Tip: If your 0% period is ending soon, explore our guide on Best Credit Cards for Balance Transfer 2025 to continue saving on interest with a new offer.

Common Mistakes to Avoid with 0% APR Offers

A 0% APR credit card can be a smart financial tool, but only when used carefully. Many people lose its benefits because of simple mistakes that can become expensive over time.

Mistakes to Watch Out For:

• Missing a Payment: A single late payment can cancel your 0% intro offer. Your balance could immediately start earning interest at the standard APR, often over 20%. Use automatic payments or reminders to stay on track.
• Only Paying the Minimum: Minimum payments are not enough to pay off your balance during the interest-free period. To get full value from a 0% APR offer, try to pay off as much as possible each month.
• Forgetting When the Promo Period Ends: Many people forget when the 0% APR offer expires. Once it ends, your remaining balance will start to earn interest. Mark the date clearly on your calendar so you can plan ahead.
• Overspending: It can be tempting to spend more than usual with a 0% offer. But remember, the card still needs to be repaid. Avoid increasing your debt just because interest is temporarily paused.
• Ignoring Balance Transfer Fees: Transferring a balance usually comes with a fee, often between 3% and 5%. Always check if the savings from 0% interest outweigh the transfer cost.
• Assuming All Purchases Are Covered: Some cards offer 0% APR on purchases, others only on balance transfers. Read the fine print carefully to make sure you know what qualifies.

Example:

Michael opened a 0% APR credit card with an 18-month intro period. He transferred $5,000 but forgot to set up auto-pay. After missing a payment in month two, his rate jumped to 27.4%. He ended up paying hundreds in interest he had hoped to avoid.

When Should You Use a 0% APR Credit Card?

Using a 0% APR credit card can be a powerful strategy when applied to the right financial situation. These offers are not for splurging, but for smart financial moves that save money or provide breathing room.

Best Times to Use a 0% APR Offer:

• Paying Off High-Interest Debt:
  If you're carrying a balance on another card with 20%+ APR, transferring that balance to a 0% APR card can save hundreds in interest.
• Funding a Major Purchase:
  Need to buy furniture, appliances, or cover medical costs? A 0% card gives you time to pay off the expense without interest, which is often cheaper than a personal loan.
• Managing Irregular Income:
  Freelancers or gig workers with seasonal income can benefit from spreading out payments interest-free.
• Car Repairs or Emergencies:
  Unexpected bills can hit hard. A 0% APR card helps you handle them without immediate financial pressure.
• Back-to-School or Moving Expenses:
  Transitional life events often involve large costs. 0% APR gives you time to budget effectively.

Example:

Samantha used a 0% APR card to cover $3,000 in dental work. By paying $250 monthly, she cleared the balance in 12 months with zero interest. A personal loan would have cost her over $300 in extra charges.

Final Thoughts – Is a 0% APR Credit Card Worth It in 2025

A 0% APR credit card can be one of the smartest financial tools in 2025 when used carefully. Whether you want to pay off debt or finance a large purchase, these cards give you valuable time to manage money without paying interest.

The key is discipline. Pay on time, track your promotional period, and avoid overspending. When used wisely, a 0% APR card can help you save hundreds of dollars in interest and improve your financial flexibility.

If your goal is to build long-term credit health, explore related guides on Best Credit Cards for Building Credit, Top Cash Back Credit Cards in the USA, and Best No Annual Fee Credit Cards to find a card that fits your next financial step.

With the right choice and smart planning, a 0% APR credit card is more than just a short-term offer. It's a practical way to take control of your finances in 2025.