Credit Cards
By
Ryan Wilcox
Ryan Wilcox
Credit card writer
Ryan joined TPG in 2022 and works as a credit cards writer, overseeing refreshes of card reviews and updating card offers. He enjoys racking up cash back and helping readers maximize their points and miles for their next big trip.
•
Edited by
Matt Moffitt
Matt Moffitt
Managing editor
Matt Moffitt is TPG's managing editor for credit card content and an expert in getting the most out of credit cards and points. He has at least 25 cards in his wallet at any given time. Originally from Sydney, he won the green card lottery and has been based in Austin since 2015.
•
Reviewed by
Lakeisha Robinson
Lakeisha Robinson
Compliance associate
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
April 01, 2024
The cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our
advertising policy
and
product review methodology
for more information.
At TPG, we’re always looking to optimize how we use credit cards, which is why we created this list of the best 0% APR credit cards from our partners that you should carry in your wallet.
These cards offer a 0% APR for an introductory period on new purchases, making them ideal to have for large purchases or in the event of an emergency. Although we don’t recommend carrying a balance on your credit cards, it’s nice to have the guarantee of a 0% APR if you’re not able to pay off a balance in full and do need to carry it over into the next month.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
Capital One VentureOne Rewards Credit Card: Best for travel
Blue Cash Preferred® Card from American Express: Best for groceries at U.S. supermarkets
Chase Freedom Unlimited®: Best for transferable points
Wells Fargo Reflect® Card: Best for financing credit card debt
Capital One SavorOne Cash Rewards Credit Card: Best for general spending
Blue Cash Everyday® Card from American Express: Best for gas and supermarkets
Capital One Quicksilver Cash Rewards Credit Card: Best for simplicity
Chase Freedom Flex℠: Best for rotating categories
Browse by card categories
Best
Travel
Airline
Hotel
Business
Best for travel
Capital One VentureOne Rewards Credit Card
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3
/ 5
Go to review
Apply for Capital One VentureOne Rewards Credit CardApply nowfor Capital One VentureOne Rewards Credit Card
at
Capital One
's secure site
Terms & restrictions apply.
| 5 Miles | 5 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 1.25 Miles | 1.25 Miles per dollar on every purchase, every day |
Open Intro bonus Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
20,000 miles
$0
19.99% - 29.99% (Variable)
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase!
Pros
- Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
- Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
- No foreign transaction fees.
Cons
- Other credit cards can offer you higher rewards for your common purchase categories.
- Capital One airline transfer partners do not include any large U.S. airlines.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
BEST FOR GROCERIES AT U.S. SUPERMARKETS
Best for groceries at U.S. supermarkets
Blue Cash Preferred® Card from American Express
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for Blue Cash Preferred® Card from American ExpressApply nowfor Blue Cash Preferred® Card from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 6% | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) |
| 6% | 6% Cash Back on select U.S. streaming subscriptions |
| 3% | 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more |
| 3% | 3% Cash Back at U.S. gas stations |
| 1% | 1% Cash Back on other purchases |
Open Intro bonus Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn $250
$0 intro annual fee for the first year, then $95.
19.24% - 29.99% Variable
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our fullreview of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out there for cash-back credit cards.
- The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Best for transferable points
Chase Freedom Unlimited®
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for Chase Freedom Unlimited®Apply nowfor Chase Freedom Unlimited®
at
Chase
's secure site
| 5% | Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service |
| 1.5% | 1.5% on all other purchases |
Open Intro bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
20.49% - 29.24% Variable
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.Read our fullreview on the Chase Freedom Unlimited.
Pros
- At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
- Perfect for everyday, non-bonused spending.
- Incredible value when paired with a premium Chase card.
Cons
- There is a foreign transaction fee so the card shouldn't be used abroad.
- Limited card perks and benefits.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Best for financing credit card debt
Wells Fargo Reflect® Card
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3
/ 5
Go to review
Apply for Wells Fargo Reflect® CardApply nowfor Wells Fargo Reflect® Card
at
Wells Fargo
's secure site
Terms & restrictions apply.
no offer
no offer
$0
18.24%, 24.74%, or 29.99% Variable APR
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 18.24%, 24.74%, or 29.99%, depending on your creditworthiness (balance transfers made within 120 days qualify for the intro rate, balance transfer fee of 5%, min $5).
Pros
- No annual fee.
- Introductory APR offer of 21 months on purchases and qualifying balance transfers.
- Up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.
Cons
- No points or cash rewards earning potential.
- No welcome bonus.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
BEST FOR CASH BACK
Best for general spending
Capital One SavorOne Cash Rewards Credit Card
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5
/ 5
Go to review
Apply for Capital One SavorOne Cash Rewards Credit CardApply nowfor Capital One SavorOne Cash Rewards Credit Card
at
Capital One
's secure site
Terms & restrictions apply.
| 8% | 8% Cash Back on Capital One Entertainment purchases |
| 5% | 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) |
| 3% | 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) |
| 1% | 1% Cash Back on all other purchases |
Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
$200
$0
19.99% - 29.99% (Variable)
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our fullreview of the Capital One SavorOne Cash Rewards Credit Card.
Pros
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Best for gas and supermarkets
Blue Cash Everyday® Card from American Express
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3
/ 5
Go to review
Apply for Blue Cash Everyday® Card from American ExpressApply nowfor Blue Cash Everyday® Card from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 3% | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. |
| 3% | 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
| 3% | 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. |
| 1% | 1% Cash Back on other purchases. |
Open Intro bonus Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
$0
19.24% - 29.99% Variable
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our fullreview of the Blue Cash Everyday Card from American Express.
For rates and fees of the Amex Blue Cash Everyday, click here
Pros
- 3% cash back at U.S. supermarkets.
- 3% cash back at U.S. gas stations and U.S. online retail purchases.
- This card gives access to Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Best for simplicity
Capital One Quicksilver Cash Rewards Credit Card
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5
/ 5
Go to review
Apply for Capital One Quicksilver Cash Rewards Credit CardApply nowfor Capital One Quicksilver Cash Rewards Credit Card
at
Capital One
's secure site
Terms & restrictions apply.
| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply |
| 1.5% | Earn unlimited 1.5% cash back on every purchase, every day |
Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
$200
$0
19.99% - 29.99% (Variable)
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
TheCapital One Quicksilver Cash Rewards Credit Cardis a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.
Pros
- Unlimited 1.5% cash back on all purchases
- No annual fee.
- Cash back doesn't expire.
Cons
- Limited card perks and benefits.
- Other cards offer more potential and upside when it comes to redeeming cash back.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Best for rotating categories
Chase Freedom Flex℠
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5
/ 5
Go to review
Apply for Chase Freedom Flex℠Apply nowfor Chase Freedom Flex℠
at
Chase
's secure site
| 5% | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! |
| 5% | 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service |
| 1% | Unlimited 1% cash back on all other purchases. |
Open Intro bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
20.49% - 29.24% Variable
Open Credit score description
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our fullreview of the Chase Freedom Flex.
Pros
- The generous sign-up bonus is impressive for a no annual fee card.
- The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
- Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
Cons
- You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
- This card charges foreign transaction fees so it's best to use it within the U.S.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Comparing the best credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
See details Apply NowApply for Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card 3 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One 's secure site | travel | 20,000 miles Open Intro bonus Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel | 1.25 - 5X miles | $0 |
See details Apply NowApply for Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express 4 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | groceries at U.S. supermarkets | Earn $250 Open Intro bonus Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | 1 - 6% cash-back | $0 intro annual fee for the first year, then $95. |
See details Apply NowApply for Chase Freedom Unlimited® Chase Freedom Unlimited® 4 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase 's secure site | transferable points | Up to $300 cash back Open Intro bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5 - 5% cash-back | $0 |
See details Apply NowApply for Wells Fargo Reflect® Card Wells Fargo Reflect® Card 3 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo 's secure site | financing credit card debt | N/A | N/A | $0 |
See details Apply NowApply for Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card 3.5 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One 's secure site | general spending | $200 Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | 1 - 8% cash-back | $0 |
See details Apply NowApply for Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express 3 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | gas and supermarkets | Earn $200 Open Intro bonus Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 1 - 3% cash-back | $0 |
See details Apply NowApply for Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card 3.5 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One 's secure site | simplicity | $200 Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5 - 5% cash-back | $0 |
See details Apply NowApply for Chase Freedom Flex℠ Chase Freedom Flex℠ 3.5 Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase 's secure site | rotating categories | $200 Open Intro bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. | 1 - 5% cash-back | $0 |
More details on the best credit cards
Apply for Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee (see rates and fees) and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase.
The Capital One VentureOne is a great option if you want a simple earning structure and the ability to take advantage of 15-plus airline and hotel transfer partners with easy-to-use rewards. If you're against paying an annual fee, this will be a good fit for you.
“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner. It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith, former credit cards writer
If you want a better earning rate, the Capital One Venture Rewards Credit Card has a higher 2-mile-per-dollar rate on everyday purchases. You'll also receive an up to $100 Global Entry/TSA PreCheck application fee credit.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.
The Blue Cash Preferred Card is a lucrative cash-back card for several spending categories. If cash back is up your alley — and categories for select U.S. streaming subscriptions, U.S. supermarkets, transit and U.S. gas stations align with your spending habits — then you can't go wrong with this card.
“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards, and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter, senior writer
If you want similar benefits with no annual fee (see rates and fees), the Blue Cash Everyday® Card from American Express earns 3% back at U.S. supermarkets and U.S. gas stations and on U.S. online retail purchases — though there's a limit of $6,000 in purchases per category. After that, you'll earn 1% back. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Chase Freedom Unlimited®
The Chase Freedom Unlimited is a standout card that earns at least 1.5% back on everything. However, it becomes even more powerful if you pair it with a card that earns transferable Ultimate Rewards points, as you can convert your cash back into Chase points.
The no-annual-fee Chase Freedom Unlimited is an ideal card for both beginner and advanced award travelers. While many cards offer 1% back on purchases outside of bonus categories, you'll earn 1.5% back on non-bonus spending with the Freedom Unlimited.
“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” — Nick Ewen, director of content
If you want to earn cash back in rotating categories, the Chase Freedom Flex℠ earns 5% back on up to $1,500 in combined purchases in quarterly bonus categories after you activate. Like the Freedom Unlimited, it earns rewards you can transfer to Chase's partners with the right card pairing.
Wells Fargo Reflect® Card
The Wells Fargo Reflect has no annual fee (see rates and fees), and along with a good introductory APR offer, you’ll enjoy up to $600 of cell phone protection against damage and theft when you pay your monthly cellphone bill with your card (subject to a $25 deductible). Monthly cellphone insurance can be pricey, and this excellent protection automatically comes with a card with no annual fee.
The Wells Fargo Reflect is perfect for those looking to refinance their debt with a solid introductory balance transfer opportunity. While light on overall benefits, the card brings you back to the basics and even comes with cell phone protection when you pay your monthly bill with this card.
If reducing debt is one of your priorities, a credit card like the Wells Fargo Reflect Card can help you avoid paying interest on balances you carry in the interim. For no annual fee, you can transfer your balances from your other credit cards to the Wells Fargo Reflect to save money.
If you prefer Bank of America, the BankAmericard® credit card also has no annual fee and offers access to Bank of America's suite of online banking features, free FICO score tool and credit education topics.
The information for the BankAmericard credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash-back structure and no annual fee (see rates and fees). Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
The Capital One SavorOne is a solid card with no annual fee that’s great for those who regularly spend on dining and entertainment. It offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and 8% cash back on Capital One Entertainment purchases, plus 1% cash back on all other purchases.
The Capital One SavorOne offers generous bonus categories when compared to other cash-back cards with no annual fee and even some cards that do have annual fees. The real highlight is the high cash-back rate in the dining and entertainment categories, though you can also get some value with extra cash back at grocery stores.
If you want a simpler earning rate, the Capital One Quicksilver Cash Rewards Credit Card also has no annual fee (see rates and fees). You'll earn 1.5% unlimited cash back on all purchases, which is great if you have expenses outside of the SavorOne's bonus categories.
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee (see rates and fees). You’ll earn cash back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.
The Blue Cash Everyday Card from American Express offers several bonus cash-back categories and some new benefits, making this card a decent option in the crowded field of cash-back cards. It offers solid returns on popular spending categories without an annual fee.
This is a great card if you want to earn bonus cash back on groceries, gas and online shopping without an annual fee. Rewards are easily redeemed at a fixed rate, eliminating guesswork on whether you're getting good value from your earnings.
If you want more options for using your earnings, the Citi Double Cash® Card (see rates and fees) has no annual fee and earns 2% back on all purchases — 1% when you purchase and another 1% when you pay your bill.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.
The Quicksilver is great for those who hold other Capital One cards, as you can convert the cash back you earn with the card into miles that can then be redeemed with the issuer’s ample transfer partners.
If you prefer not to juggle cards when you're out and about, the Quicksilver Cash is a great option to ensure you’re earning 1.5% cash back on all your purchases.
If you're going to go with a card that earns 1.5% cash back, the Chase Freedom Unlimited® also has no annual fee and earns 1.5% cash back on most purchases while offering additional perks and bonus cash back on easy-to-maximize spending categories.
Chase Freedom Flex℠
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through the Chase Ultimate Rewards portal. This card is an excellent addition to your wallet as it provides ongoing rewards and no annual fee to worry about.
The Chase Freedom Flex is one of the best cash-back credit cards around, thanks to phenomenal earning rates across several spending categories, all with no annual fee to worry about. The card becomes potentially even more valuable when you pair it with a Chase Ultimate Rewards points-earning credit card, too.
“As a points and miles enthusiast, I’m happy to keep up with the rotating quarterly categories that earn 5% cash back. I get the most value from this card when I can max out the $1,500 quarterly limit at merchants like Amazon, Target and PayPal (not a current category). My top tip for this card is to make sure that you activate the categories every quarter so that you can maximize your points-earning.” — Matt Moffitt, senior credit cards editor
The Chase Freedom Unlimited® offers a similar reward structure, but it has one notable difference: Rather than earning 5% on rotating categories, you'll get 1.5% cash back on all non-bonus spending.
Apply Nowfor Capital One VentureOne Rewards Credit Card
Maximizing 0% and low-interest credit cards
Choose a card that makes sense for you
Many of the cards above offer comparable earning rates and perks, but you’ll want to make sure you choose the card that makes the most sense for your spending habits. That means comparing cards based on bonus categories, annual fees and perks (both those you can take advantage of and those you wouldn’t bother to use).
For low-interest cards in particular, find a card that will help you pay off that large purchase in your future, if that’s what you have in mind, and be sure to read up on card details before selecting one.
Related: What does 0% APR mean?
Check the fine print
If you’re looking to leverage a low-interest card, be sure to read the card’s terms and conditions and make sure you’ll be able to pay off whatever payments you’re looking to make without incurring interest.
For example, many cards offer introductory low-APR offers of 12 or 15 months, so you’ll want to be sure to make any large purchase in that initial span. You’ll also want to see what the variable APR rate of the card is and when it kicks in, and consider how that could affect your card strategy in the long term.
Take advantage of the welcome offer
Welcome offers on cards are always changing, so we didn’t mention them too much here. But many of the cards above frequently offer lucrative limited-time offers that are higher than their usual offers.
Related: The best time to apply for these cards based on welcome offers
Before you apply for a card, make sure that the offer you’re getting is a good one for the card and attainable for you and your level of monthly spending. A little extra cash, points or miles can go a long way.
How we rate cards
Having a zero interest card can be a great way to achieve your financial goals - whether it is to consolidate debt or finance a large purchase. We know how important reaching their financial goals are for our readers, which is why we considered annual fees, earning rates and other additional benefits when rating our best zero interest credit cards. For more on how TPG evaluates and chooses cards for these roundups, check out our methodology here.
Earning ratesJust because you are looking for a zero interest card does not mean you have to give up earning rewards on your spending.
Annual feeMost cards on this list do not feature an annual fee so you can spend your money towards reaching your financial goals.
Welcome bonus Welcome bonuses on zero interest cards are typically modest but they also have a relatively low spend which makes it easy to earn the welcome bonus.
Redemption optionsOur best zero interest cards earn both cash back and transferable points and miles.
Added benefitsSelect cards on this list feature additional benefits like cell phone protection and access to exclusive Amex Offers.
Everything you need to know about zero interest credit cards
APR stands for annual percentage rate, which, by itself, doesn't explain much about the term. Your APR is the interest rate you are charged on your credit card balance over the course of a year.
Credit card interest is generally calculated daily — 1/365 of the APR is multiplied by your current balance and added to it. This process, called compounding, is repeated daily for as long as you carry a balance. However, any interest charged is typically forgiven if you pay your statement balance in full by the due date every month.
Related: How to consolidate and pay off debt
What does this mean for you? No interest payment and no worries about APR. If you pay your balance in full each month, it's essentially a short-term, interest-free loan.
What are the different types of interest on credit cards?
There are multiple types of interest rates on credit cards. Interest rates can be fixed, variable or promotional.
Fixed interest rates generally remain the same month to month. This can change, however, although the issuer is required to provide the cardholder with notice. These are often higher than variable rates.
Related: Credit card APR vs. interest rate: What's the difference?
Variable rates fluctuate based on their associated index interest rate. There can be limits on the ceiling and floor of the rates, but the cardholder does not have to receive notice before the rate is changed.
Promotional interest rates are often limited-time or limited-use offers. For instance, some cards come with a 0% introductory APR for a certain period of time before the interest rate kicks in.
What are the typical 0% APR fixed terms?
Credit cards typically have 0% APR for a promotional period. The promo can last anywhere from a few months to more than a year, depending on the card's terms.
Note that the interest rate will often kick in after a specified period of time, and you'll be responsible for paying interest on any remaining balance once the promotional period is over.
Cards with a 0% APR offer a promotional period, usually 12 to 15 months, of 0% interest on new purchases made with your card. That means you won’t pay any interest on your purchases if you make payments on time, and can more easily pay off large purchases over time without additional financial stress.
While it should be obvious that making purchases without accruing interest is a major benefit all on its own, there are other opportunities to leverage a 0% APR card. As mentioned above, in the event of an unexpected expense, such as a health emergency or damage to your house, these cards can be a lifesaver while you catch up on your finances.
They can also be used to help finance one-time purchases, such as getting a new roof or remodeling the bathroom. Of course, we strongly recommend you pay the balance off before the promotion expires to avoid paying any interest.
Related: Should you carry a balance on zero APR cards?
You should also be careful not to use a 0% APR card as an excuse to spend beyond your means. Instead, you should treat this like one element of your emergency fund and only tap into it when necessary.
A card that offers a 0% APR for an introductory period can be a good option for saving money if you're making an expensive purchase orincur a large bill in the event of an emergency, for example. This is because you won't accrue interest if you're not able to pay off the balance in full immediately.
At TPG, we don't recommend carrying a balance on your credit cards, but in the case of zero interest cards, you won't have to worry about interest until the card's promotional period is over. However, it is important to note that once the 0% APR period concludes, you will have to pay interest on the remaining balance.
Related: Penalty APR: What it is and how to avoid it
Low interest credit cards are just that — cards that come with a comparatively low APR on balances carried month to month.
Meanwhile, holding a 0% APR credit card usually means you have a card that comes with a promotional period during which you won't pay any interest on your balance. Eventually, the APR will kick in, and you'll have to pay any interest that accrues on the remaining balance.
Related: How to choose a credit card with 0% APR
Many of the cards on this list that offer 0% APR introductory periods also have a lower interest rate once it kicks in. However, not every low interest card has a 0% APR introductory period, and not every 0% APR card comes with a low interest rate after the introductory period.
In short, yes. Some business credit cards have no APR because the full balance on the card is due each month. Examples of cards that utilize this interest structure are the Capital One Venture X Business (see rates and fees) and the Capital One Spark Cash Plus (see rates and fees).
Other business cards offer 0% APR for an introductory period before an interest rate kicks in after the promo period ends. Examples of cards that charge interest this way include the Chase Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card and The Blue Business® Plus Credit Card from American Express (see rates and fees).
A balance transfer credit card is any credit card that allows you to transfer balances from other accounts. This is generally done to consolidate debt and pay it off without incurring higher interest rates during a limited period of time.
Related: How to use a 0% APR credit card as an interest-free loan
Zero interest credit cards can be advantageous for those looking to transfer a balance, as some cards extend their 0% APR introductory rates to balance transfers. This can help with paying off debt sooner since you're allowed to pay off the balance on your 0% APR card without stacking up interest across the introductory period.
How to choose the best zero interest credit card
One of the best ways to choose which 0% APR credit card is best for you is by examining the card’s introductory APR offer, its fees and reward categories, and which bank issues the card.Introductory APR offers last for varying amounts of time and the cards have different terms and conditions once those offers expire, so be sure to pay attention to the fine print.
Here are some of the main points to consider when choosing a zero interest credit card:
1
Annual fee
If you are looking to get a card to consolidate your debt, it is likely more beneficial to get a card with no annual fee. The majority of cards on this list does not feature an annual fee so that you can spend more time and money on reaching your financial goals.
2
Welcome bonus
The welcome bonuses offered on zero interest cards are relatively modest but have a low required spend which makes them easier to earn. Not all cards feature a welcome offer but if your card does, you will want to earn the welcome bonus as it is a considerable part of a card’s value.
3
Bonus categories
Many of our best zero interest cards feature multiple bonus categories. Choosing a zero interest card that best aligns with your spending will help you get the most return on your spending and still allow you to consolidate your debt or finance a large purchase.
How to choose a credit card with 0% APR - The Points Guy
Zero APR cards can serve many purposes — like helping you pay down debt faster
Or, get pre-qualified offers here
Ask our experts
What's your favorite zero interest card — and why?
Apply for Chase Freedom Flex℠
Chase Freedom Flex℠
Reduce interest and maximize points-earning
“Apart from this card’s attractive intro APR offer, I value it for earning 5% cash back in rotating categories like Amazon and grocery stores. I also have the Chase Sapphire Reserve, meaning the cash back converts to Ultimate Rewards points, which means even more value for my redemptions.”
Matt MoffittManaging editor
Apply for Chase Freedom Unlimited®
Chase Freedom Unlimited®
Easily finance unexpected purchases
“I recently added this card to my wallet for a solid welcome bonus, but when my dog had to have emergency surgery, it was great to have an extended period of 0% APR on purchases. Instead of dipping into savings, I could pay off the large bill over time.”
Nick EwenSenior editorial director
Apply for Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
An excellent starter card with introductory 0% interest
“This is a great card thanks to its generous welcome offers, including a $0 introductory annual fee (then $95) in addition to 0% interest on purchases for 12 months. This means you earn cash back across a variety of categories without worrying about high interest rates or an annual fee for a year.”
Daisy HernandezCredit cards editor
Pros + cons of zero interest credit cards
Pros
- Opening a card with introductory 0% APR can allow you to pay for large purchases over time without incurring interest.
- Many 0% and low-interest credit cards allow you to earn rewards like points, miles or cash back on your purchases.
- Some 0% APR cards also extend this introductory rate to balance transfers, allowing you to consolidate debt and pay it off with no interest for a set period of time.
Cons
- Most 0% and low-interest credit cards have a specific window of time during which you enjoy the low rate.
- If you don’t pay off your full balance by the end of the promotional period, you may be hit with massive interest charges.
- Having a 0% APR card can feel like “free” money, but if you spend beyond your means, your credit score can take a massive hit.
Frequently asked questions
Some card issuers will offer you a special 0% APR on an existing credit card. This is typically only offered to cardholders with an extensive history with the issuer and who are in good (or great) financial standing.
If you've been regularly paying off your debt and aren’t carrying a card balance, it’s possible that your issuer will extend your promotional low-APR period. This is usually only done if you regularly pay off your balance anyway, though, so you’ll have to demonstrate financial responsibility to earn this.
The best credit cards with zero interest typically offer valuable reward rates along with their low APR. They also come with perks, in some cases, that can further save you money for travel and in your daily spending.
Zero-percent APR is a promotional tool used by credit card companies to entice customers to apply. Promos for 0% APR typically last 12 or 15 months, after which the card usually reverts to a standard APR. Card companies also make money when you swipe your card, so 0% APR purchases are still profitable for them.
At TPG, we always recommend paying off your monthly card balance in full whenever possible. Delaying payment isn’t ideal, even with a zero-interest card, as it can lead to poor spending habits and damage your financial health in the long run.
A primary consideration with a 0% APR credit card should be ensuring you spend within your means, even if you don't have to pay interest on your purchases for the card's promotional period.
It's advisable to utilize a zero interest card as a tool to give yourself some extra time to pay off a large purchase. If you lack financial discipline, a 0% APR card could be challenging to manage.
Related: Pros and cons of zero percent APR credit cards
Your credit score won't be affected by simply holding a 0% APR card, but the way you manage the balance on your cardin addition to your ability to make timely payments can determine if your credit is affected. Your score could take some dings by carrying a balance month to month, even during the zero interest introductory term. However, a more prominent issue could arise if you continue to carry a large balance after the intro period concludes.
If you can't immediately pay your balance off month to month on a 0% APR card, working to lower it with each statement can help mitigate the effect on your credit.
This decision depends on what you're looking to get from a card, as these two types of cards serve different purposes.
If you're expecting to carry a balance or make a large purchase thatyou'llneed time to pay off, a low interest card could be a solid option so you limit the amount of interest you accrue.
Meanwhile, a cash back card is a rewards card thatputs a certain percentage of money back in your pocket — usually for purchases in categories like grocery stores, gas stations and dining out, for example.
Ultimately, there isn't a right or a wrong answer here. It comes down to what you need a credit card to do for you.
APR is short for annual percentage rate, which is defined as the interest rate you're charged on your credit card balance over the course of a year. APY, or annual percentage yield, is money you earn in a savings account or on an investment over the course of a year.
While many zero interest cards (including a majority of those on this list) do not charge an annual fee, some of them do. The Blue Cash Preferred Card, for instance, is a zero interest credit card that comes with a $0 intro annual fee for the first year, then costs $95 a year thereafter.
You can technically close a credit card whenever you decide you're ready to do so. However, it's important to weigh how closing a credit card will affect your credit score, as it could adjust both your credit utilization and your credit history length.
You should also be certain that your final payment on that card has been processed before you cancel it.
For rates and fees of the Amex Blue Cash Everyday, click here
