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The 10 Best 0% APR Credit Cards [2023]

- Jul 20, 2023 Credit Card Info0 comments

Having a credit card with a 0% APR period can ease up your financial pressure a bit.

0% APR cards can provide the space you may need to get a look at your purchases and balances before you need to get your act together to pay down those balances, once the 0% APR period is up.

Use these cards and gain some time before paying up balances, all the while paying no interest.

The 10 best 0% APR cards

1. Bank AmeriCard

Intro 0% APR offer: Intro 0% APR for 21 months on purchases and balance transfers (after that 15.99% to 25.99% variable).

Annual fee: $0

Average credit limit approved: $8,615 based on results submitted by users in our credit card database.

Get the card>>

2. Wells Fargo Reflect Card

Intro 0% APR offer: Intro 0% APR for 21 months on purchases and balance transfers (after that 17.99% to 29.99% variable).

Annual fee: $0

Average credit limit approved: $12,014 based on results submitted by users in our credit card database.

Get the card>>

3. Bank Of America Customized Cash Rewards Credit Card

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 17.99% to 27.99% variable).

Annual fee: $0

Average credit limit approved: $11,043 based on results submitted by users in our credit card database

Get the card>>

4. card_name

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 17.99% to 27.99% variable).

Annual fee: $0

Average credit limit approved: $12,984 based on results submitted by users in our credit card database

Get the card>>

5. Bank of America® Unlimited Cash Rewards Credit Card

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 17.99% to 27.99% variable).

Annual fee: $0

Average credit limit approved: $6,819 based on results submitted by users in our credit card database

Get the card>>

6. Bank of America Travel Rewards Card for Students

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 17.99% to 27.99% variable).

Annual fee: $0

Average credit limit approved: $1,800 based on results submitted by users in our credit card database

Get the card>>

7. Citizens Bank Clear Value

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 18.99%, 22.99%, or 26.99% variable).

Annual fee: $0

Average credit limit approved: $12,905 based on results submitted by users in our credit card database

Get the card>>

8. U.S. Bank Visa Platinum Card

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 19.49% to 29.49% variable).

Annual fee: $0

Average credit limit approved: $6,077 based on results submitted by users in our credit card database

Get the card>>

9. U.S. Bank Business Platinum Card

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 16.99% to 25.99% variable).

Annual fee: $0

Average credit limit approved: $9,100 based on results submitted by users in our credit card database

Get the card>>

10. card_name

Intro 0% APR offer: Intro 0% APR for 15 months on purchases and balance transfers (after that 20.24% to 28.99% variable).

Annual fee: $0

Average credit limit approved: $7,630 based on results submitted by users in our credit card database

Get the card>>

If you apply for any of the above cards, please submit your results to our credit card database to  help other users make educated decisions! 

Frequently asked questions
What's the best card for 0% APR that I can deposit the money in my account?
Wells Fargo Reflect. You get 0% APR for 21 months and the card comes along with a check that you can write out to whomever you want, including yourself

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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