In this post we examine the various credit cards with 0% Intro APR. We highlight cards from major financial institutions such as Citi, Capital One, Bank of America, Wells Fargo, Discover, and American Express, detailing their respective benefits like introductory purchase and balance transfer APR durations, rewards programs (cash back, travel points), and welcome bonuses. These cards are ideal for consumers looking to finance large purchases or consolidate existing high-interest debt, providing an opportunity to save on interest payments for a significant period, often ranging from 12 to 21 months. Each card reviewed is also noted for its $0 annual fee, making these options particularly attractive to those seeking to minimize costs while maximizing financial flexibility.
What are the best cards with 0% intro APR in 2025?
Credit cards with 0% intro APR can be beneficial for managing large purchases or transferring high-interest balances, allowing you to save money on interest charges. Many banks are offering extended 0% Intro APR periods, ranging from 12 months up to 21 months. The information provided is updated as of late December 2024, making it relevant for 2025.
Here are some of the top cards with 0% intro APR, along with their pros and cons:
1. Citi Simplicity® Card
• Pros:
◦ Longest Intro Balance Transfer APR: Offers 0% intro APR for 21 months on Balance Transfers.
◦ Long Intro Purchase APR: Provides 0% intro APR for 12 months on Purchases.
◦ No Annual Fee: This card has a $0 annual fee.
◦ Additional Perks: Offers free access to your FICO® Score online and special access to purchase tickets for events via Citi Entertainment®.◦ Longest Intro Balance Transfer APR: Offers 0% intro APR for 21 months on Balance Transfers.
◦ Long Intro Purchase APR: Provides 0% intro APR for 12 months on Purchases.
◦ No Annual Fee: This card has a $0 annual fee.
◦ Security Feature: Includes Citi® Quick Lock protection.
• Cons:
◦ No Rewards Program: It is specifically designed for 0% intro APR periods and does not offer a rewards program.
2. Citi® Diamond Preferred® Card
• Pros:
◦ Longest Intro Balance Transfer APR: Offers 0% intro APR for 21 months on Balance Transfers.
◦ Long Intro Purchase APR: Provides 0% intro APR for 12 months on Purchases.
◦ No Annual Fee: This card has a $0 annual fee.
◦ Additional Perks: Offers free access to your FICO® Score online and special access to purchase tickets for events via Citi Entertainment® ◦ Longest Intro Balance Transfer APR: Offers 0% intro APR for 21 months on Balance Transfers.
• Cons:
◦ No Rewards Program: This card does not feature a rewards program
3. Wells Fargo Reflect® Card
• Pros:
◦ Longest Intro APR for Both: Offers 0% intro APR for 21 months from account opening on both purchases and qualifying balance transfers.
◦ No Annual Fee: This card has a $0 annual fee.
◦ Cell Phone Protection: Cardholders can receive up to $600 in cell phone protection against damage or theft (subject to a $25 deductible
• Cons:
◦ No Rewards Program: This card does not offer a rewards structure
4. Citi Double Cash® Card
• Pros:
◦ Long Intro Balance Transfer APR: Offers 0% intro APR for 18 months on Balance Transfers.
◦ Excellent Cash Back Rewards: Earns 2% cash back on every purchase (1% when you buy, plus an additional 1% as you pay for purchases on time), with no category restrictions or caps.
◦ Special Travel Offer: Earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ No Intro Purchase APR: It has a regular purchase APR that applies immediately, rather than an introductory 0% APR on purchases
5. Discover it® Chrome
• Pros:
◦ ◦ Long Intro Balance Transfer APR: Offers 0% intro APR for 18 months on balance transfers.
◦ Intro Purchase APR: Provides 0% intro APR for 6 months on purchases.
◦ Cash Back Rewards: Earns 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, plus 1% unlimited cash back on all other purchases.
◦ Unlimited Cashback Match: Discover automatically matches all the cash back you’ve earned at the end of your first year, with no minimum spending or maximum rewards.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ Shorter purchase intro APR (6 months) compared to other cards.
◦ 2% cash back is capped and limited to specific categories.
6. Bank of America® Unlimited Cash Rewards Credit Card
• Pros:
◦ Intro APR: Offers 0% intro APR for 15 billing cycles for both purchases and balance transfers.
◦ Cash Back Rewards: Earns 1.5% cash back on all purchases with no limit or expiration date on rewards.
◦ Welcome Bonus: New cardholders can earn a $200 online cash rewards bonus after spending at least $1,000 in purchases within the first 90 days.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ APRs after intro period are listed as “See Terms”
7. Capital One Quicksilver Cash Rewards Credit Card
• Pros:
◦ ◦ Long Intro Balance Transfer APR: Offers 0% intro APR for 18 months on balance transfers.
◦ Intro Purchase APR: Provides 0% intro APR for 6 months on purchases.
◦ Cash Back Rewards: Earns 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, plus 1% unlimited cash back on all other purchases.
◦ Unlimited Cashback Match: Discover automatically matches all the cash back you’ve earned at the end of your first year, with no minimum spending or maximum rewards.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ Shorter purchase intro APR (6 months) compared to other cards.
◦ 2% cash back is capped and limited to specific categories.
8. Discover it® Cash Back
• Pros:
• Pros:
◦ Intro APR: Offers 0% Intro APR for 15 months on both purchases and balance transfers.
◦ High Cash Back Potential: Earns 5% cash back at different places each quarter (up to quarterly maximum when activated), plus 1% unlimited cash back on all other purchases.
◦ Unlimited Cashback Match: Discover automatically matches all the cash back you’ve earned at the end of your first year, potentially turning $150 into $300.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ Requires activation for 5% cash back categories.
◦ Quarterly maximum applies to 5% cash back categories.
9. Capital One VentureOne Rewards Credit Card
• Pros:
◦ Intro APR: Offers 0% intro APR for 15 months on both purchases and balance transfers.
◦ Travel Rewards: Earns 1.25 Miles per dollar on every purchase and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
◦ Easy-to-Earn Welcome Bonus: Earn a bonus of 20,000 miles (equal to $200 in travel) after spending just $500 on purchases within 3 months from account opening.
◦ No Annual Fee: This card has a $0 annual fee◦ Long Intro Balance Transfer APR: Offers 0% intro APR for 18 months on balance transfers.
◦ No Annual Fee: This card has a $0 annual fee
• Cons:
◦ Balance transfer fee applies◦ Shorter purchase intro APR (6 months) compared to other cards.
10. Citi Custom Cash® Card
• Pros:
◦ Intro APR: Offers 0% intro APR for 15 months on both Balance Transfers and Purchases.
◦ Targeted Cash Back: Earns 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent), and unlimited 1% cash back on all other purchases.
◦ Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
◦ Welcome Offer: Earn $200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months of account opening.
◦ No Annual Fee: This card has a $0 annual fee.
• Cons:
◦ 5% cash back is capped and limited to one category per billing cycle.
Overall Best 0% APR Credit Card
The “overall best” credit card depends on your primary financial goal:
• For the Longest Interest-Free Period (especially for balance transfers or large purchases):
The Wells Fargo Reflect® Card, Citi Simplicity® Card, and Citi® Diamond Preferred® Card are all excellent choices as they offer the longest 0% intro APR periods of 21 months. The Wells Fargo Reflect® Card stands out slightly as it offers this 21-month period for both purchases and qualifying balance transfers, whereas the Citi Simplicity and Citi Diamond Preferred offer 21 months on balance transfers but 12 months on purchases. If your sole focus is maximizing the interest-free time, particularly for debt consolidation or a large future purchase, these are top contenders.
• For a Strong Balance of 0% APR and Rewards:
If you want a generous 0% intro APR period coupled with valuable rewards, the Citi Double Cash® Card is highly compelling.
◦ The Citi Double Cash® Card provides an 18-month 0% intro APR on balance transfers and an unlimited 2% cash back on all purchases, a rare combination for a no-annual-fee card.
◦ The Wells Fargo Active Cash® Card offers a 12-month 0% intro APR on both purchases and balance transfers, combined with an industry-leading unlimited 2% cash rewards on all purchases for a flat-rate card, plus an easy-to-earn welcome bonus. This card is noted for its “combination of top perks”.
Ultimately, the Wells Fargo Reflect® Card is arguably the overall best if the absolute longest 0% intro APR for both purchases and balance transfers is your top priority. However, if you want a balance of a strong 0% intro APR period and excellent ongoing cash back rewards with no annual fee, the Wells Fargo Active Cash® Card is highly recommended for its unlimited 2% cash back rate.
