When money is tight or you’re planning a big purchase, every dollar counts. That’s why 0% APR credit cards are such a game-changer. These cards give you a break from paying interest for a set period—sometimes up to 24 months—helping you finance expenses or pay off existing debt without the heavy burden of interest charges.
In September 2025, there are some outstanding 0% APR credit cards available in the U.S., each designed for different needs—whether you want to pay off debt, finance large purchases, or earn rewards along the way. Let’s break down the best options, how they work, and which one might be right for your wallet.
What Is a 0% APR Credit Card?
A 0% APR (Annual Percentage Rate) credit card offers no interest for a promotional period. This can apply to:
- Purchases: Buy now and pay later without racking up interest.
- Balance Transfers: Move debt from a high-interest card and pay it down interest-free.
These offers usually last between 12 to 24 months, after which the regular APR applies.
Important: You’ll still need to make at least the minimum payment each month. Missing a payment could cancel your 0% APR benefit.
The 12 Best 0% APR Credit Cards (September 2025)
1. Citi Simplicity® Card – Best for Low Balance Transfer Fees
- Intro Offer: 0% APR for 21 months on balance transfers, 12 months on purchases.
- APR After Promo: 18.24% – 28.99% variable.
- Annual Fee: $0
- Why It’s Great: No annual fee, no late fees, and one of the longest interest-free balance transfer windows available.
Perfect if you want to consolidate debt and avoid extra fees.
2. Wells Fargo Reflect® Card – Best for Purchases & Balance Transfers
- Intro Offer: 0% APR for 21 months on purchases and balance transfers.
- APR After Promo: 17.24% – 28.99% variable.
- Annual Fee: $0
- Why It’s Great: Extra-long interest-free period plus perks like cell phone protection.
Ideal if you’re financing large purchases or need time to pay off debt.
3. U.S. Bank Shield™ Visa® Card – Best Limited-Time Offer
- Intro Offer: 0% APR for 24 billing cycles on purchases and balance transfers.
- APR After Promo: 17.74% – 28.74% variable.
- Annual Fee: $0
- Why It’s Great: A full two years of no interest, plus annual $20 statement credit perks.
Great for long-term planners who want the longest possible 0% APR deal.
4. Capital One Savor Cash Rewards Credit Card – Best for No Foreign Fees
- Intro Offer: 0% APR for 12 months on purchases and balance transfers.
- APR After Promo: 19.24% – 29.24% variable.
- Annual Fee: $0
- Why It’s Great: No foreign transaction fees, plus cash back on dining, streaming, and entertainment.
A solid choice for travelers and entertainment lovers.
5. Wells Fargo Active Cash® Card – Best for Cash Back
- Intro Offer: 0% APR for 12 months on purchases and transfers.
- APR After Promo: 19.24% – 29.24% variable.
- Annual Fee: $0
- Welcome Bonus: $200 cash rewards bonus.
- Why It’s Great: Earn unlimited 2% cash back on all purchases with cell phone insurance perks.
Ideal if you want rewards while saving on interest.
6. Chase Freedom Unlimited® – Best for Welcome Bonus
- Intro Offer: 0% APR for 15 months on purchases and transfers.
- APR After Promo: 18.99% – 28.49% variable.
- Annual Fee: $0
- Welcome Bonus: $200 cash back.
- Why It’s Great: Generous rewards categories plus extra protections like rental car coverage.
Perfect for new cardholders who want quick rewards.
7. Blue Cash Everyday® Card from American Express – Best for Online Shopping
- Intro Offer: 0% APR for 15 months on purchases and transfers.
- APR After Promo: 20.24% – 29.24% variable.
- Annual Fee: $0
- Welcome Bonus: $200 statement credit.
- Why It’s Great: Strong cash back at supermarkets, gas stations, and online retailers.
A must-have for families and online shoppers.
8. Citi® Diamond Preferred® Card – Best for Balance Transfers
- Intro Offer: 0% APR for 21 months on transfers, 12 months on purchases.
- APR After Promo: 17.24% – 27.99% variable.
- Annual Fee: $0
- Why It’s Great: One of the longest transfer windows to pay off debt.
A smart choice if you’re battling high-interest balances.
9. Capital One VentureOne Rewards Credit Card – Best for No Annual Fee
- Intro Offer: 0% APR for 15 months on purchases and transfers.
- APR After Promo: 19.49% – 29.49% variable.
- Annual Fee: $0
- Welcome Bonus: $100 travel credit + 20,000 miles.
- Why It’s Great: Flexible travel rewards with no annual fee.
Great for budget-friendly travelers.
10. Citi Double Cash® Card – Best for Average Credit
- Intro Offer: 0% APR for 18 months on transfers.
- APR After Promo: 18.24% – 28.24% variable.
- Annual Fee: $0
- Welcome Bonus: $200 cash back.
- Why It’s Great: Earn 2% cash back on everything—1% when you buy, 1% when you pay.
Perfect for those with average credit looking to rebuild and earn rewards.
11. Chase Freedom Flex® – Best for Dining
- Intro Offer: 0% APR for 15 months on purchases and transfers.
- APR After Promo: 18.99% – 28.49% variable.
- Annual Fee: $0
- Welcome Bonus: $200 bonus.
- Why It’s Great: 5% rotating categories plus dining and travel rewards.
Ideal for foodies and frequent diners.
12. BankAmericard® Credit Card for Students – Best for Students
- Intro Offer: 0% APR for 18 billing cycles on purchases and transfers.
- APR After Promo: 15.24% – 25.24% variable.
- Annual Fee: $0
- Why It’s Great: Simple design for students, with no annual fee.
A starter card for students building credit responsibly.
How Do 0% APR Cards Work?
- Purchases: No interest on new spending during the promo period.
- Balance Transfers: Move high-interest debt and pay it down with no interest (transfer fees apply).
Pro Tip: Always pay off your balance before the promo ends, or you’ll face regular APR rates.
How Much Can You Save?
Let’s say you have $5,000 in credit card debt at 22% APR:
- Without a 0% card: You’d pay around $616 in interest in 12 months.
- With a 0% card (and a 3% transfer fee): You’d pay $150 in fees and save about $466 overall.
That’s real money back in your pocket.
Pros and Cons of 0% APR Cards
Pros:
Save hundreds in interest
Pay off debt faster
Finance large purchases responsibly
Cons:
Balance transfer fees (3–5%)
High APRs after promo period
Must stay disciplined with payments
If you’re carrying debt or planning a big purchase, a 0% APR credit card could be one of the smartest financial moves you make this year. With offers lasting up to 24 months, you’ll have breathing room to pay down balances while avoiding interest.
Whether you’re a student just starting out, a traveler looking for perks, or someone determined to wipe out debt, there’s a card on this list that fits your needs.
Just remember: the key is discipline. Use the 0% APR period to your advantage and make sure your balance is paid off before the clock runs out.