Best 0% APR Credit Cards

With 0% APR credit cards pay no interest on large purchases for up to 21 months.

Woman and man holding large 0% sign
(Image credit: Getty Images)

Rates checked as of October 31, 2023.

This article only reviews 0% APR credit cards. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers.

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U.S. Bank Visa® Platinum Card  

This card recently upped the 0% APR period from 18 to 21 billing for purchases or balance transfers, for a limited time. The card does not offer points or cash back. 

The card also offers some peace of mind against cracked screens or water-logged cell phones. After a $25 deductible, you get up to $600 protection against covered damage or theft when you pay your monthly cell phone bill with your U.S.Bank Visa® Platinum Credit Card. 


 Wells Fargo Reflect® Card  

Enjoy up to 21 months of 0% interest on purchases. If you pay your wireless bill with the card, you qualify for up to $600 worth of protection for loss or damage on your cell phone. 

This card also offers balance transfers made within the first 120 days of opening the account, but for a 5% fee — higher than the 3% fee you can get on other cards.

The Wells Fargo Reflect® card may also come in handy in an emergency, offering roadside assistance and insurance protection for a rental car up to $50,000. Be sure you understand how to use the card's benefits.


 Chase Slate Edge℠

This card offers a solid option for those looking to finance a large purchase within 18 months interest-free. Don't be distracted, however, by the card's offer to lower your interest rate by 2% each year for good credit habits. You should pay all of your credit card balance on time each month to avoid paying any interest.

You may also transfer a balance from another card within the first 60 days of opening the account for $5 or 3% of the transfer amount, whichever is higher. 

One of the best ways to raise your credit score is to pay your bills on time and keep your credit utilization as low as possible. So the card's welcome offer to raise the credit limit for cardholders who spend at least $500 and pay their bills on time during the first six months could improve your credit score and help establish good habits.


 BankAmericard® Credit Card 

This card from Bank of America provides an 18-month period of 0% interest.  Once you have paid off your big purchase, this card has a lower APR than most cards. But as the card offers few perks like cash back, we recommend using it just for stretching out payments with no interest.

The BankAmericard® may also be used to make a balance transfer within the first 60 days of opening the account for a 3% transfer fee. Those with a good credit score or better are more likely to be approved for this card.


As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.

With contributions from