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The 10 Best 0% APR Credit Cards For January [2025]

Check out the best 0% APR offers available now!

The current best 0% APR cards

1. Wells Fargo Reflect Card

Intro 0% APR offer: Intro 0% APR for 21 months on purchases and balance transfers (after that 17.24%, 23.74%, or 28.99% variable).

Annual fee: $0

Average credit limit approved: $10,850 based on results submitted by users in our credit card database.

Get the card>>

2. U.S. Bank Visa Platinum Card

Intro 0% APR offer: Intro 0% APR for 21 months on purchases and balance transfers (after that 17.74% to 28.74% variable).

Annual fee: $0

Average credit limit approved: $14,833 based on results submitted by users in our credit card database

Get the card>>

3. card_name

Intro 0% APR offer: Intro 0% APR for 21 months on balance transfers from when the first balance transfer is made (up to 4 months from account opening). And, intro 0% APR for 12 months on purchases from the date of account opening (after that 18.24% to 28.99% variable).

Annual fee: $0

Average credit limit approved: $8,840 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 21 months on balance transfers from when the first balance transfer is made (up to 4 months from account opening). And, intro 0% APR for 12 months on purchases from the date of account opening (after that 17.24% to 27.99% variable).

Annual fee: $0

Average credit limit approved: $17,729 based on results submitted by users in our credit card database

Get the card>>

5. Citizens Bank Clear Value

Intro 0% APR offer: Intro 0% APR for 18 months on balance transfers (after that 16.49% to 26.49% variable).

Annual fee: $0

Average credit limit approved: $12,480 based on results submitted by users in our credit card database

Get the card>>

6. card_name

Intro 0% APR offer: Intro 0% APR for 18 months on balance transfers (after that 18.24% to 28.24% variable).

Annual fee: $0

Average credit limit approved: $6,821 based on results submitted by users in our credit card database

Get the card>>

7. Bank AmeriCard

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 15.24% to 25.24% variable).

Annual fee: $0

Average credit limit approved: $9,535 based on results submitted by users in our credit card database

Get the card>>

8. card_name

Intro 0% APR offer: Intro 0% APR for 18 months on purchases and balance transfers (after that 19.74% to 28.49% variable)

Annual fee: $0

Average credit limit approved: $5,972 based on results submitted by users in our credit card database

Get the card>>

9. TD FlexPay Credit Card

Intro 0% APR offer: Intro 0% APR for 18 months on balance transfers (after that 18.49%, 20.49%, 23.49%, 26.49% or 28.49% variable).

Annual fee: $0

Average credit limit approved: $13,000 based on results submitted by users in our credit card database

Get the card>>

10. U.S. Bank Business Platinum Card

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

Annual fee: $0

Average credit limit approved: $11,670 based on results submitted by users in our credit card database

Get the card>>

Frequently asked questions
4. Where can I see when my 0% APR ends?
It usually says when on every statement. But an easier way would be to keep track via our CardRight app

Today's best offers

Capital One Spark Cash Plus

Highest ever!! Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year. You can earn the bonus unlimited times over the course of the first year!

More

Capital One Venture X Business

Earn 150,000 miles after spending $30,000 within the first 3 months.

More

Ink Business Unlimited Credit Card

Earn 75,000 points after spending $6,000 within the first 3 months.

Intro 0% APR for 12 months on purchases (after that 17.49% to 23.49% variable).

More

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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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The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

Today's best offers

Capital One Spark Cash Plus

Highest ever!! Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year. You can earn the bonus unlimited times over the course of the first year!

More

Capital One Venture X Business

Earn 150,000 miles after spending $30,000 within the first 3 months.

More

Ink Business Unlimited Credit Card

Earn 75,000 points after spending $6,000 within the first 3 months.

Intro 0% APR for 12 months on purchases (after that 17.49% to 23.49% variable).

More
The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

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