14 best 0% APR credit cards of May 2024

Credit cards can be useful for financing new purchases and consolidating old debt. Some of the best credit cards offer no interest on new purchases, balance transfers or both — for up to 21 months. This can add up to substantial savings if you’re carrying a balance on a high-interest credit card, where a portion of your payment goes toward interest charges.

If you have lingering debt on an existing card or plan on making a large purchase, it’s financially smart to open an intro 0% APR credit card, if you use it responsibly. Below, CNBC Select rounds up some of the best credit cards that offer no interest, so you can maximize your savings. (Read more about our methodology below.)

Who’s this card for? The Wells Fargo Reflect® Card is ideal for someone looking to either pay off large purchases over time or consolidate existing debt.

Intro APR offer: The Wells Fargo Reflect Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (18.24%, 24.74% or 29.99% variable APR afterward). Balance transfers made within 120 days from account opening qualify for the intro rate, the balance transfer fee is 5% with a $5 minimum.

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Who’s this card for? The Wells Fargo Active Cash® Card is a great choice for earning cash rewards on your everyday purchases, as well as interest-free financing.

Intro APR offer: The Wells Fargo Active Cash Card comes with 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24% or 29.99% variable APR thereafter, The balance transfer fee is 3% for 120 days from account opening ($5 minimum), then up to 5% with a $5 minimum.

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Who’s this card for? The Citi Simplicity® Card is a great option for consolidating existing credit card debt from other cards.

Intro APR offer: Cardholders earn a 0% intro APR for 21 months on balance transfers from the date of the first transfer (variable APR will be 19.24% to 29.99% afterward). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

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Who’s this card for? Depending on your spending habits, it might make sense to get the Blue Cash Everyday® Card from American Express.

Intro APR offer: The Blue Cash Everyday Card offers a 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR of 19.24% to 29.99%, (see rates and fees). To qualify for the intro APR, balance transfers must be requested within 60 days of account opening and there’s a balance transfer fee that’s either $5 or 3% of the amount of each transfer (whichever is greater).

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Who’s this card for? The Chase Freedom Unlimited® is another great cash-back card with interest-free features.

Intro APR offer: Cardholders get a 0% intro APR for 15 months from account opening on purchases and balance transfers (20.49% to 29.24% variable APR afterward). There’s an intro balance transfer fee of 3% of each transfer ($5 minimum) for the first 60 days, then the fee increases to 5% of each transfer ($5 minimum).

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Who’s this card for? The Capital One SavorOne Cash Rewards Credit Card is a great pick for tiered cash-back rewards and an intro APR.

Intro APR offer: Cardholders get a 0% intro APR on purchases and balance transfers for 15 months, then a 19.99% to 29.99% variable APR applies after that. The balance transfer fee is 3% for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time (see rates and fees).

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Who’s this card for? The Citi® Diamond Preferred® Card is another great option for financing large purchases or transferring existing credit card debt.

Intro APR offer: Cardholders get 0% intro APR for 21 months on balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases (18.24% to 28.99% variable APR afterward). There is a balance transfer fee of 5% of the amount you transfer with a $5 minimum.

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Who’s this for? The Citi Custom Cash® Card is ideal for those whose spending habits may change from month to month but still want to maximize their spending.

Intro APR offer: The Citi Custom Cash Card offers an intro 0% APR for 15 months on purchases and eligible balance transfers, after that a 19.24% to 29.24% variable APR applies. There is a balance transfer fee of 5% of the amount of each transfer ($5 minimum).

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Who’s this for: The Citi Double Cash® Card is a generous cash-back credit card to use on daily expenses that also comes with a great balance transfer offer.

Intro APR offer: Upon approval for the Citi Double Cash Card, you’ll get a 0% intro APR for 18 months on balance transfers (19.24% to 29.24% variable APR afterward; balance transfers must be completed within four months of account opening). The balance transfer fee is 3% of the amount you transfer ($5 minimum) within the first four months, then the balance transfer fee increases to 5% of any amount you transfer ($5 minimum).

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Who’s this card for? The U.S. Bank Visa® Platinum Card is useful for those looking to transfer existing credit card debt or finance new purchases at a great rate.

Intro APR offer: With this card, you’ll earn a 0% intro APR on purchases and balance transfers for the first 18 billing cycles of card membership (18.74% to 29.74% variable APR afterward). Balances must be transferred within 60 days from account opening to qualify for the intro APR. There is an intro balance transfer fee (for the first 60 days) of 3% of the amount of each transfer ($5 minimum). After that, the standard balance transfer fee of 5% of the amount of each transfer ($5 minimum) applies.

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Who’s this card for? The Chase Freedom Flex℠ is a terrific option for someone looking for a card with rotating spending categories, as well as interest-free financing.

Intro APR offer: Cardholders get a 0% intro APR for 15 months from account opening on purchases and balance transfers (20.49% to 29.24% variable APR afterward). There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for transfers you make within the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer ($5 minimum).

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Who’s this card for? The Amex EveryDay® Credit Card is for someone interested in earning transferrable travel rewards, as well as having an interest-free financing option.

Intro APR offer: When you’re approved for the Amex EveryDay card, you will have 0% intro APR purchases and balance transfers for 15 months from the date of account opening (18.24% to 29.24% variable APR afterward; see rates and fees). The balance transfer fee is 3% of the amount of each transfer ($5 minimum).

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Who’s this card for? The Bank of America® Unlimited Cash Rewards Credit Card is another solid option for someone looking for simple cash-back options as well as favorable financing options.

Intro APR offer: With this card, you will get 0% intro APR for your first 15 billing cycles for purchases and for any balance transfers made within the first 60 days of opening your account (18.24% to 28.24% variable APR afterward). There is an intro balance transfer fee of 3% of the amount of each transfer you complete within the first 60 days, after that the balance transfer fee is 4% of the amount of each transfer.

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The Wells Fargo Reflect® Card is a no annual fee card with one of the longest intro-APR offers for purchases and balance transfers.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

Anyone looking to save interest on purchases and balance transfers will appreciate this card’s 21 months of 0% intro APR on purchases and qualifying balance transfers. Once the intro APR expires, a variable 18.24%, 24.74% or 29.99% APR applies.

While this card doesn’t earn rewards, it does offer roadside dispatch and cell phone protection. To be eligible for the cell phone coverage you need to pay your monthly wireless phone bill with this card. The insurance has a $25 deductible and will reimburse you up to $600 per claim, with a maximum of two claims per year.

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The Wells Fargo Active Cash® Card offers excellent cash-back rewards for a no-annual-fee card.

Rewards

• 2% cash rewards back on purchases

Welcome bonus

Earn a $200 cash rewards bonus after spending $500 on purchases in the first three months of account opening.

Annual fee

$0

Notable perks

The Wells Fargo Active Cash® Card comes with cell phone insurance that covers damage, theft and loss of a cell phone. This insurance has a $25 deductible with a max coverage of $600 per claim. This card also has roadside dispatch, travel and emergency assistance services and rental car collision coverage.

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The Citi Simplicity® Card has a longer interest-free period for balance transfer than most of the other top 0%-APR credit cards.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

If you want to work out of credit card debt, this is a card to consider. You’ll get an intro 0% APR on balance transfers for a stunning 21 months from the date of the first transfer, after that the variable APR will be 19.24% to 29.99%. For the first four months, there’s an intro balance transfer fee of 3% of each transfer (minimum $5). After that, the standard balance transfer fee is 5% of each transfer (minimum $5).

In addition to this card’s balance transfer offer, you’ll also receive an intro 0% APR for 12 months on purchases, after that a variable 19.24% to 29.99% APR applies.

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The Blue Cash Everyday® Card from American Express is rewarding where it matters most and offers bonus cash back on eligible grocery, gas and online retail spending.

Rewards

• 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
• 3% cash back at U.S. gas stations, up to $6,000 per year, then 1%
• 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%
• 1% cash back on all other eligible purchases

Welcome bonus

Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

Annual fee

$0 (see rates and fees)

Notable perks

For a no-annual-fee card, the Blue Cash EveryDay card has a surprising amount of statement credit perks. You can receive up to $84 back per year in Disney Bundle credit ($7 back per month when you spend at least $9.99 per month on eligible auto-renewing subscriptions). You can also receive up to $180 back per year on Home Chef subscriptions (up to $15 back per month on auto-renewing subscriptions).

This card also comes with purchase protection* , rental car coverage* (offered through American Express Travel Related Services Company, Inc.) and a complimentary ShopRunner membership (enrollment required).

* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company

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The Chase Freedom Unlimited offers more than just a healthy intro-APR period, it’s also an incredibly rewarding cash-back credit card.

Rewards

• 5% back on travel purchased through Chase Travel℠
• 5% back on Lyft rides (through March 2025)
• 3% back at drugstores
• 3% back on dining at restaurants (including takeout and eligible delivery services)
• 1.5% back on all other purchases

Welcome bonus

Earn an additional 1.5% cash back on up to $20,000 spent in the first year – worth up to $300 cash back.

Annual fee

$0

Notable perks

Freedom Unlimited cardholders can utilize 0% intro APR on purchases and balance transfers for the first 15 months your account is open. After the intro-APR offer ends, a standard 20.49% to 29.24% variable APR applies.

Cardholders also receive purchase protection, extended warranty protection, rental car coverage and trip cancellation/interruption insurance.

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The Capital One SavorOne Cash Rewards Credit Card is a no annual fee rewards card that earns competitive returns on common spending categories and offers a helpful intro APR.

Rewards

• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
• 3% cash back on dining and at grocery stores (excluding superstores like Walmart® and Target®)
• 3% cash back on popular streaming services and entertainment
• 1% cash back on all other purchases

Welcome bonus

Earn a $200 cash bonus after spending $500 on purchases within the first three months from account opening.

Annual fee

$0 (see rates and fees)

Notable perks

On top of the cash back you already earn for all sorts of purchases, through Nov. 14, 2024, cardholders also receive 10% cash back on Uber and Uber Eats purchases and monthly Uber One membership statement credits. This card has no foreign transaction fees, extended warranty coverage and travel accident insurance.

New cardholders receive an intro 0% APR for 15 months on purchases and balance transfers, after that a 19.99% to 29.99% variable APR applies. The balance transfer fee is 3% for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time (see rates and fees).

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If you’re saddled with credit card debt and looking for relief, the Citi® Diamond Preferred® Card can give you a path forward.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

This card is light on benefits but if you want to reduce the credit card interest you’re paying, you’ll have a tough time finding a better option. New card members get 21 months of an intro 0% APR on balance transfers starting on the date of the first transfer. To be eligible for the intro APR, you need to complete the balance transfer within four months of opening the account. There is a balance transfer fee of 5% of the amount you transfer ($5 minimum).

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The Citi Custom Cash® Card is a no annual fee card with bonus cash-back categories that shift with your spending habits.

Rewards

• 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
• 1% cash back on all other purchases
• Earn an additional 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through June 30, 2025.

Welcome bonus

Earn $200 in cash back after spending $1500 on purchases in the first six months of account opening. 

Annual fee

$0

Notable perks

The Custom Cash Card’s 5%-bonus categories are:

• Restaurants
• Gas stations
• Grocery stores
• Select travel
• Select transit
• Select streaming services
• Drugstores
• Home improvement stores
• Fitness Clubs
• Live entertainment

Given the range of options, it’s not hard to maximize these categories each month.

New card members can also take advantage of a 0% introductory APR on purchases for 15 months from the date of account opening and on balance transfers for 15 months from the date of the first transfer, after that a variable 19.24% to 29.24% APR applies. There is a balance transfer fee of 5% of the amount of each transfer ($5 minimum). Balance transfers must be completed within four months of account opening to qualify for the intro APR.

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The Citi Double Cash Card has no annual fee, which makes its unlimited 2% back on all purchases that much more impressive.

Rewards

Earn 2% cash back: 1% when you make a purchase and 1% when you pay.

Welcome bonus

Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening.

Annual fee

$0

Notable perks

Through Dec. 31, 2024, cardholders can earn and additional 3% cash back (5% total cash back) on hotels, car rentals and attractions booked on the Citi Travel^SM portal. This card also offers a generous 18 months of an introductory 0% APR on balance transfers, afterward the APR is a variable 19.24% to 29.24%. Balance transfers must be completed within four months of account opening to qualify for the intro APR, and there is an introductory balance transfer fee of 3% of each transfer ($5 minimum) you complete within the first four months of account opening. After that, the balance transfer fee increases to 5% of each transfer ($5 minimum).

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The U.S. Bank Visa® Platinum Card features a potentially favorable standard APR to go along with its healthy intro APR offer.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

The card offers automatic cell phone insurance when you use it to pay your monthly wireless phone bill. You can be reimbursed up to $600 per claim for damage or theft and there is a $25 deductible. This coverage allows a maximum of two claims every 12 months.

The real reason you’d be interested in this card, however, is its intro-APR offer. New cardholders receive an intro 0% APR for the first 18 billing cycles for balance transfers and purchases, after that a variable 18.74% – 29.74% APR applies. To qualify for the intro APR, balance transfers must be completed within the first 60 days of account opening. There is a standard balance transfer fee of 5% of each transfer ($5 minimum). However, for the first 60 days from account opening, you can transfer balances with an intro fee of 3% of each transfer ($5 minimum).

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If you like maximizing the cash back you earn, you’ll love the Chase Freedom Flex.

Rewards

• 5% back on up to $1,500 in combined purchases in rotating bonus categories you activate each quarter (then 1% back)
• 5% back on Lyft rides (through March 2025)
• 5% back on travel purchased through Chase Ultimate Rewards®
• 3% back at drugstores
• 3% back on dining at restaurants (including takeout and eligible delivery services)
• 1% back on all other purchases.

Welcome bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Annual fee

$0

Notable perks

Freedom Flex cardholders can utilize a long list of shopping and travel insurance protections. For starters, eligible purchases are covered by purchase protection, extended warranty protection and cell phone protection. That’s a solid list of coverages for a no-annual-fee card. You can also travel with increased peace of mind thanks to the trip cancellation/interruption insurance, rental car collision damage waiver (secondary in the U.S.) and travel and emergency assistance services.

This card also has a notable intro-APR offer. New cardholders receive an intro 0% APR on purchases and balance transfers for 15 months from account opening, after that a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) applies to transfers you complete within the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer with a $5 minimum.

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The Amex EveryDay® Credit Card is a rare no-annual-fee card that earns transferrable travel rewards that can help you book expensive flights and hotel stays for points miles..

Rewards

• 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X)
• 1X points per dollar spent on all other purchases

Welcome bonus

Earn 10,000 Membership Rewards® points after making $2,000 in purchases in your first six months of card membership.

Annual fee

$0 (see rates and fees)

Notable perks

The Amex EveryDay card offers new accounts an intro 0% APR on purchases and balance transfers for 15 months from the date of account opening, after that a variable 18.24% to 29.24% APR applies. Balance transfers must be completed within 60 days of account opening to be eligible for the intro APR, and there is a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater.

You can boost your rewards rate by making 20 or more purchases with your card in a billing period, once you hit that threshold you’ll receive 20% more points on those purchases. The American Express Membership® Rewards points you earn with this card can be transferred to all of Amex’s travel partners, including Marriott, Delta, JetBlue, Hilton and many more.

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The Bank of America® Unlimited Cash Rewards Card is rewarding for everyday spending, but it’s even better if you qualify for Bank of America’s Preferred Rewards program.

Rewards

• 1.5% cash back on all purchases

Welcome bonus

Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening.

Annual fee

$0

Notable perks

Qualifying Bank of America Preferred Rewards members can boost the return they earn with this card by 25% to 75%. That means you can earn up to 1.87% to 2.62% cash back on all purchases.

New card members also receive a 0% introductory APR for the first 15 billing cycles for purchases and balance transfers you complete within 60 days of account opening. After the intro APR expires, the standard APR of 18.24% to 28.24% applies. There is a 3% intro balance transfer fee for the first 60 days the account is open. Once the intro transfer fee expires, the standard fee is 4%.

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The American Express Cash Magnet® Card keeps it simple by rewarding you generously for every purchase.

Rewards

• 1.5% cash back on all purchases in the form of Reward Dollars that can be redeemed as a statement credit.

Welcome bonus

Earn a $200 statement credit after spending $2,000 in purchases within your first six months of card membership.

Annual fee

$0 (see rates and fees)

Notable perks

New cardholders receive an intro 0% APR on purchases and balance transfers for 15 months from the date you open the account. After that, a variable APR of 19.24% to 29.99% applies. There is a balance transfer fee of 3% of the amount of each transfer or $5, whichever is greater.

The card also comes with secondary rental car insurance and purchase protection.

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A 0% APR card is most beneficial when you understand the terms of the offer and set up a plan to pay off your debt. Here’s what to keep in mind if you’re considering a 0% intro APR credit card for your wallet.

Read the fine print

Make sure you familiarize yourself with any fine print associated with the 0% APR offer, such as the expiration date, timeline for completing a balance transfer, any balance transfer fees and the interest rate once the intro period ends.

Create a repayment plan

You’ll need to come up with a plan to pay off credit card debt. The amount you need to pay each month to have a zero balance at the end of the intro period depends on the length of the intro period.

For example, if you have a $4,500 balance on the Chase Freedom Flex, which offers an intro APR period of no interest for the first 15 months on balance transfers and purchases (after, 20.49% – 29.24% variable APR), you’ll need to pay $300 each month to pay off your old balance before the intro period ends. But if you have the U.S. Bank Visa® Platinum Card, with 0% intro APR for 18 months on balance transfers (then 18.74% – 29.74% variable APR), the monthly payment decreases to $250.

Pay off your balance in full

It’s very important to pay off any transferred debt or lingering new purchase balances before the intro 0% APR period ends. If you don’t, expect to be hit with the regular purchase APR. And if you have a store card, you could be hit with a bill for all the interest you accrued since the date you made your purchase or transfer (known as deferred interest). None of the cards on this list charge cardholders deferred interest.

Credit cards that offer no interest on purchases and/or balance transfers are a great asset for consumers looking to save on interest charges when they carry a balance month-to-month. The best way to use a 0% APR card depends on your situation, but typically falls into one of three ways:

1. If you plan on making large purchases, such as a new iPhone or workout equipment, and need more time to pay them off, a 0% APR card can help you pay over time with no interest charges.
2. If you have debt on a high-interest card, completing a balance transfer to a card with no interest for up to 20 months can help you pay it off faster and cheaper.
3. If you fall into both categories, a card with no interest on new purchases and balance transfers can help you pay off large expenses and old debt at the same time.

Remember that you’ll need to make minimum payments on your balance and pay it off in full before the intro period ends to avoid interest.

If you’re not sure whether a 0% APR card or a low-interest credit card is the right choice, ask yourself the following questions.

• Are you carrying debt from a high-interest credit card? Then you should consider a balance transfer credit card with up to 21 months of no interest.
• Do you plan on making a large purchase? A 0% APR card can provide you with a lengthy intro period that allows you to pay off debt for over a year with no interest.
• Do you carry a balance month to month? A low interest credit card offers a relatively consistent APR every month, compared to 0% APR cards that typically charge high-interest rates after the intro period ends.

After you determined which credit card you want to apply for, compare cards by these key factors:

• Length of intro APR period: Cards can have intro periods anywhere from three months to 21 months. Many popular rewards cards offer no interest for 15 months, and non-rewards cards can have 18- and 21-month intro 0% APR periods. For new purchases or lingering debt, the longer the better, but if you’re completing a balance transfer, consider the cost of any balance transfer fees before applying.
• Regular APR: Credit cards offering intro 0% APRs tend to have higher regular APRs than low-interest cards. Consider the regular APR before settling on a card if you think you may carry a balance once the intro 0% APR period ends.
• Balance transfer fee: Many balance transfer cards charge a fee per transfer. This fee can be outweighed by the amount you save in interest, but make sure to do the math. If you want to avoid fees, check out the best no-fee balance transfer credit cards.
• Annual fee: Most 0% APR cards and low interest cards have no annual fee, but some may. Make sure to review the annual fees associated with the cards.
• Rewards and added perks: The best 0% APR cards also offer cash back, points and miles, in addition to added perks, such as purchase protection and exclusive entertainment access. While these are nice benefits, paying off debt should be your primary goal.

A credit card that offers a no-interest period can provide incredible value to anyone who would otherwise be paying interest. However, these cards often don’t offer many other benefits, such as intro bonuses or ongoing rewards. The other drawback is that while they can help you move toward getting out of debt, these types of card offers aren’t a cure-all. If you want to get out of debt, you’ll want to have a budget in place and an effective plan.

Pros

• Potential for huge interest savings
• Helps you pay off debt more quickly

Cons

• Tend to have fewer rewards
• Balance transfer fees typically apply
• You’ll still need to change your spending patterns to pay off the debt

0% intro APR cards are powerful tools if you need flexible financing. However, needlessly holding onto debt is never a good idea, so be sure to have a plan to pay off any debt you have.

And if you’re considering a 0% intro APR card, be sure to also consider one that earns cash-back or travel rewards so you can get something back on your purchases.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0% APR credit cards.

To determine which cards offer the best value for intro-APR offers, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back). 
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best 0% interest credit cards, we focused on the length of the intro APR offer and whether the 0% interest applies to purchases, balance transfers or both. We also considered balance transfer fees and the length of time new cardholders have to make a transfer and still qualify for the intro APR. Some 0%-interest credit cards don’t offer rewards, intro bonuses or other ongoing benefits. However, many credit cards provide intro-APR offers and additional perks, when these are available they factored into our decisions. 

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Information about the Bank of America® Unlimited Cash Rewards Card, Amex EveryDay® Credit Card, American Express Cash Magnet® Card has been collected independently by Select and has not been reviewed or provided by the issuers of the cards prior to publication.

For rates and fees of the Amex EveryDay® Credit Card, click here.

For rates and fees of the American Express Cash Magnet® Card, click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, click here.