Credit Cards with 0% APR

Estimate effective APR Forcredit keeping cardmonths

A credit card with 0% intro APR is ideal if you plan a large purchase and want to pay for it in installments. Enter how many months you need to pay for your purchase in full and we’ll calculate how much interest you’ll have to pay with each card if any. Compare the best offers available to you and find the most cost-effective card for your purchase.

Citi Simplicity® photo
Citi Simplicity®
0% Balance TransferNo late payment fee
See termsOn Citi bank's secure website
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
21mo
$0
15.24-25.24%
Variable
3.16%
up to
  • Card Details
  • 0% Intro APR on purchases and balance transfers for 18 months.
  • After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each credit card balance transfer, whichever is greater.
  • Extended Warranty and $0 Liability on Unauthorized Charges.
  • Worldwide Car Rental Insurance.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Pros
  • No Annual Fee
  • No Penalty APR
  • 0 APR on purchases and balance transfer for 18 months
  • Cons
  • No rewards

Our Take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 18-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

BankAmericard® Credit Card photo
BankAmericard® Credit Card
0% Balance Transfer
See termsOn Bank of Amerika bank's secure website
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
12.99-22.99%
Variable
8.62%
up to
  • Card Details
  • No Annual Fee.
  • Intro 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account.
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
  • No Penalty APR.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Intro 0% APR for your first 15 billing cycles
  • No Penalty APR
  • Security & Benefits
Chase Slate® photo
Chase Slate®
0% Balance Transfer
See termsOn Chase bank's secure website
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
15.99-24.74%
Variable
9.28%
up to
  • Card Details
  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 15.49%–24.24% variable APR.
  • You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
  • You won't have to pay an annual fee for all the great features that come with your Slate card.
  • Paying late won't raise your interest rate (APR). See terms.
  • Pros
  • 0% APR on purchases for 15 month
  • 0% balance transfer APR for the first 15 billing cycles
  • No balance transfer fee
  • No annual fee
  • Cons
  • No rewards

Our Take

The Chase Slate® may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

Citi® / AAdvantage® Gold World Elite™ Mastercard® photo
Citi® / AAdvantage® Gold World Elite™ Mastercard®
0% Balance TransferTravel miles
See termsOn Citi bank's secure website
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$50
waived first year
16.74-24.74%
Variable
9.28%
up to
  • Card Details
  • Earn 25,000 American Airlines AAdvantage® bonus miles after $750 spent on purchases within the first 3 months, that's enough for a round trip domestic MileSAAver® award (plus government fees of $5.60 per one-way trip).
  • 1 AAdvantage® mile for every $1 spent on purchases.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card.
  • No blackout dates on award travel on American Airlines and American Eagle® carriers.
  • $0 Annual Fee for the first 12 months, thereafter $50.
  • Redeem your AAdvantage® miles for a domestic round–trip flight award on American Airlines and American Eagle® carriers for as little as 25,000 AAdvantage® miles.
  • 0% Intro APR on purchases and balance transfers for 15 months; after that the variable APR will be 16.74% - 24.74%, based on your creditworthiness.
  • Citi® Cards with Apple Pay®.
  • Travel & Purchase protection.
  • Pros
  • Sign-up bonus
  • 1 AAdvantage® mile for every $1 spent on purchases
  • Travel & Purchase protection
  • Cons
  • $0 Annual Fee for the first 12 months, thereafter $50
Chase Freedom® photo
Chase Freedom®
0% Balance TransferCash Back
See termsOn Chase bank's secure website
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
16.24-24.99%
Variable
9.37%
up to
  • Card Details
  • Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn $25 bonus after you add your first authorized user and make your first purchase within this same 3-month period.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
  • No Annual Fee.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers. After that, 16.24%–24.99% variable APR.
  • Cash Back rewards do not expire as long as your account is open.
  • Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
  • Service & protection.
  • Pros
  • $150 Bonus
  • Low intro APR
  • 5% Cash Back
  • Cash Back rewards
  • No Annual Fee
  • Cons
  • Has foreign transaction fees

Our Take

Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.

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