Managing credit wisely often begins with finding the right credit card to match your financial goals. This December, we've compiled a list of the best 0% APR credit cards available to help you save on interest for purchases or balance transfers. Whether you're consolidating debt or planning a big expense, these cards offer extended interest-free periods to make repayment more manageable.
1. Wells Fargo Reflect® Card
- Intro Offer: 0% APR for 21 months on purchases and balance transfers (variable APR thereafter: 17.49%–29.24%).
- Annual Fee: $0
- Average Approved Credit Limit: $10,850
2. U.S. Bank Visa® Platinum Card
- Intro Offer: 0% APR for 21 months on purchases and balance transfers (variable APR thereafter: 17.99%–28.99%).
- Annual Fee: $0
- Average Approved Credit Limit: $14,833
3. Citi Simplicity® Card
- Intro Offer:
- 0% APR for 21 months on balance transfers (within the first 4 months of account opening).
- 0% APR for 12 months on purchases.
- (Variable APR thereafter: 18.49%–29.24%).
- Annual Fee: $0
- Average Approved Credit Limit: $8,840
4. Citi® Diamond Preferred® Card
- Intro Offer:
- 0% APR for 21 months on balance transfers (within the first 4 months of account opening).
- 0% APR for 12 months on purchases.
- (Variable APR thereafter: 17.49%–28.24%).
- Annual Fee: $0
- Average Approved Credit Limit: $17,729
5. Citizens Bank Clear Value®
- Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 16.74%–26.74%).
- Annual Fee: $0
- Average Approved Credit Limit: $12,480
6. Citi Double Cash® Card
- Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 18.49%–28.49%).
- Annual Fee: $0
- Average Approved Credit Limit: $6,821
7. Bank Americard®
- Intro Offer: 0% APR for 18 months on purchases and balance transfers (variable APR thereafter: 15.49%–25.49%).
- Annual Fee: $0
- Average Approved Credit Limit: $9,535
8. Chase Slate Edge℠
- Intro Offer: 0% APR for 18 months on purchases and balance transfers (variable APR thereafter: 19.74%–28.49%).
- Annual Fee: $0
- Average Approved Credit Limit: $5,972
9. TD FlexPay® Credit Card
- Intro Offer: 0% APR for 18 months on balance transfers (variable APR thereafter: 18.74%–28.74%).
- Annual Fee: $0
- Average Approved Credit Limit: $13,000
10. U.S. Bank Business Platinum Card
- Intro Offer: 0% APR for 18 months on purchases (variable APR thereafter: 17.24%–26.24%).
- Annual Fee: $0
- Average Approved Credit Limit: $11,670
Why Consider a 0% APR Credit Card?
A 0% APR card can be a powerful financial tool, especially when you're planning to:
- Consolidate existing high-interest debt.
- Finance a significant purchase without paying immediate interest.
- Save money on interest while repaying over time.
Pro Tip: Always pay off your balance before the introductory period ends to avoid variable APRs kicking in.
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