Best 0% APR Credit Cards Of April 2022

It’s easy to see why the Wells Fargo Active Cash℠ Card can’t be beat. It earns an unlimited 2% cash rewards on purchases, putting it head-to-head with the other best flat-rate cash-back cards on the market. Plus, the card also comes with a solid 0% APR offer, making it our top pick in this category.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.24% to 25.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

Balance Transfer Fee: up to 5%; min: $5

Other Drawbacks and Benefits: Though light on additional benefits, the point of the card is not the perks. This card is best for those who don’t need the bells and whistles and just want to focus on cash back.

Read our full review of the Wells Fargo Active Cash℠ Card.

The Amex EveryDay® Credit Card* offers a respectable 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases. It’s also a no-annual-fee way to earn Membership Rewards, which are transferable to airline and hotel partners.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR on purchases for 15 months, then a standard APR of 13.24% - 24.24% variable .

Balance Transfer Fee: $0

Other Drawbacks and Benefits: The card comes with secondary car rental coverage and global assistance services, a nice set of features for a no-annual-fee card. But other cards may offer higher rewards both on grocery purchases and all other spending so this card may be best for someone to use as part of an overall rewards maximizing strategy.

Read our full review of the Amex EveryDay® Credit Card*.

Those who don’t like annual fees or extra gimmicks may be satisfied with the Capital One VentureOne Rewards Credit Card. Earning 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase, the card gets additional major value from the myriad of extra benefits standard on most Capital One cards.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that.

Balance Transfer Fee: 3%

Other Drawbacks and Benefits: Though not as rewarding as its beefier peer, the Capital One Venture Rewards Credit Card, for the casual rewards earner the appeal may lie in the card’s intro 0% APR offer, the lack of an annual fee and the ability to transfer miles to qualifying partner hotel and airline programs.

Read our full review of the Capital One VentureOne Rewards Credit Card.

The Wells Fargo Reflect℠ Card is handy for anyone looking to pay down debt or stretch payments on a new, large purchase. The main selling point of this card is the long introductory rate on both new purchases and eligible balance transfers.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. An intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods is available. A variable APR of 13.24% to 25.24% variable APR applies after that. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, min $5 applies.

Balance Transfer Fee: up to 5%; min: $5

Other Drawbacks and Benefits: There are no rewards on this card, limiting its appeal beyond the promo period. However, the card does include cell phone insurance. When you pay your wireless bill with the card you’ll have access to up to $600 in coverage per claim for stolen and damaged phones (subject to a $25 deductible). Two claims may be made per year.

Read our full review of the Wells Fargo Reflect℠ Card.

If you’re looking for one of the longest runways possible to pay off a big purchase or pay down existing debt, the U.S. Bank Visa® Platinum Card is one of the top options available. The extra-lengthy 0% intro APR on purchases and balance transfers is the main event and the biggest reason you should consider this card.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR on purchases and balance transfers for 20 billing cycles, followed by a variable APR of 14.74% - 24.74%. A balance transfer fee of either 3% or $5 applies, whichever is greater.

Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Other Drawbacks and Benefits: Although there are no rewards for spending on this card, if you pay your monthly cell phone bill with the card you’ll get insurance for your primary phone and any additional lines for damage or theft up to $600 with a $25 deductible for up to two claims ($1,200) per 12-month period.

Read our full review of the U.S. Bank Visa® Platinum Card.

If you have the tolerance to track changing quarterly categories, the Discover it® Cash Back card can earn generous rewards in areas most people are likely to find appealing. Past examples include supermarkets, gas stations and warehouse clubs. That gives this card staying power beyond the intro 0% offer on purchases and balance transfers.

Annual Fee: $0

Intro APR Offer: Get a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 12.24% - 23.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies.

Balance Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Other Drawbacks and Benefits: If you typically spend above and beyond the quarterly maximums, another card might yield better returns. The cash back match at the end of the first year could be a lucrative bonus, but it’s only a one-time reward.

Read our full review of the Discover it® Cash Back.

The Discover it® chrome was designed for consumers whose biggest areas of spending are gas stations and restaurants and can make good use of the 0% intro offer on purchases and balance transfers.

Discover cards all offer their own twist on a welcome bonus as well: You’ll automatically get an unlimited dollar-for-dollar match of all the cash back you earned at the end of your first year as a cardholder. Depending on how much you spend, this can be much more valuable than a traditional welcome bonus.

Annual Fee: $0

Intro APR Offer: Get a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 12.24% - 23.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies.

Balance Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Other Drawbacks and Benefits: If you typically spend more than $1,000 per quarter on gas and dining, the rewards structure of this card might be too limiting for you. The 1% earnings on all other purchases can be easily bested by other rewards cards.

Read our full review of the Discover it® chrome.

The Chase Freedom Flex℠ has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses plus a meaty rewards structure to boot.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74% applies. Intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days, after that either $5 or 5% of the amount of each transfer, whichever is greater applies.

Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Other Drawbacks and Benefits: The card’s benefits give it staying power in your wallet long after the introductory offer. But other cards offer longer 0% APR periods, which may be more valuable to you in the short term.

Read our full review of the Chase Freedom Flex℠.

The Citi Simplicity® Card aims to keep its introductory APR offer easy. The card charges no late fees, no penalty rate and no annual fee. It also doesn’t earn any rewards so it’s ideally best used as a tool in your debt payoff plan.

Annual Fee: $0

Intro APR Offer: Get a 0% intro APR for 21 months on balance transfers from date of first transfer, and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum

Other Drawbacks and Benefits: The Citi Simplicity® Card comes with Citi perks including the ability to choose your own due date and the ability to skip endless hold music by saying “representative.” But beyond the introductory period, there isn’t much incentive to use this card as it doesn’t earn rewards or offer other valuable benefits.

Read our full review of the Citi Simplicity® Card.

The Chase Freedom Unlimited® has powerful points-earning potential. This all-around workhorse of a card notches 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, all for an annual fee of $0.

Annual Fee: $0

Intro APR Offer: Get a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74% applies.

Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Other Drawbacks and Benefits: Rewards earned on the card can be redeemed for straight cash back, travel, merchandise or pooled with another premium Chase Ultimate Rewards®-earning card for potential greater value when used for travel.

Read our full review of the Chase Freedom Unlimited®.