Credit Cards (US)

Find the Best 0% APR Credit Cards for your needs!

Are you interested in learning how far you can go in reaping the rewards from your credit card plans and benefitting from the very best options? Check our selection of the Very Best 0% APR Credit Cards!

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by Victória Lourenço

Published on 05/24/2022

Looking for 0% APR? We’ll help you with the best choices: the perfect selection for your financial lifestyle!

Learn which are the best 0% APR Credit Cards! Source: Unsplash
Learn which are the best 0% APR Credit Cards! Source: Unsplash

Are you searching for good credit card options with the lowest interest rates in the market? These are rare occurrences. Indeed, you could spend hours searching without finding a single result among the variety of products the credit scene offers nowadays. Rest easy, though, for you have finally found our list of the Best 0% APR Credit Cards Mister Finance has to recommend!

Here you will find the absolute most excellent offers for your financial life! Want good reward plans? We got it. Want no annual fees? We’ll cover that as well! You can always trust the Mister Finance team to go above and beyond to provide you with the right information to meet your financial objectives! See our post and choose your card today!

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Here are our top 5 choices for the best 0% APR credit cards

Check out our best choices for 0% APR credit cards! Source: Unsplash
Check out our best choices for 0% APR credit cards! Source: Unsplash

We will, in true Mister Finance fashion, go through these credit card options, addressing the key points and perks they have to offer. Want to know more about them? Feel free to check our full reviews for the card that piques your interest. But we know every single option in this list will make you want to know more! Let’s start our selection with an amazing card!

Chase Freedom Unlimited® Credit Card

Credit ScoreGood to Excellent.
Annual FeeNo annual fee.
Regular APRFrom 15.24% to 23.99% variable APR.
Cash back rewards*1.5% to 5% cashback on all eligible purchases.

*Terms apply.

Chase Freedom Unlimited® Card Highlights

Chase Freedom Unlimited® is a great option for you! Offering an intro period of 15 months with a 0% APR, it features a solid reward plan with a great welcoming bonus for you upon subscription! In conclusion, benefits abound with this card with very few significant drawbacks.

  • Get a $200 welcome bonus after spending $500 in the first 3 months after opening your account.
  • 1.5% to 5% cashback on all eligible purchases.
  • No annual fees.
  • Great insurance package.
Chase Freedom Unlimited® Credit Card

How to apply for the Chase Freedom Unlimited®?

The Chase Freedom Unlimited® credit card is that card that gives you what you need: flexibility and cashback. Are you wondering how to apply for it? Just keep reading!

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Chase Freedom Unlimited® credit card full review

A credit card with no annual fee, but with many features? That is how the Chase Freedom Unlimited® credit card works. So, check out the card's full review!

Capital One Quicksilver Cash Rewards Credit Card

Credit ScoreGood to Excellent.
Annual FeeNo annual fee.
Regular APRFrom 15.24% to 25.24% variable APR.
Cash back rewards*1.5% cashback on all eligible purchases.

*Terms apply.

Capital One Quicksilver Cash Rewards Card Highlights

Another great option featuring 15 months of intro period with 0% APR, the Capital One Quicksilver Cash Rewards Card is a solid choice for those who know what they seek in a credit card. All this featuring a varied way to get your rewards, be it in statement credit, cash withdrawals, or even gift cards!

  • Get a $200 welcome bonus after spending $500 in the first 3 months after opening your account.
  • 1.5% cashback on all eligible purchases.
  • Rewards for life with no expiry date.
  • No annual fees.
Capital One Quicksilver Cash Rewards Card

How to get the Capital One Quicksilver Rewards?

The Capital One Quicksilver Cash Rewards credit card features intro offers, a simple reward program with no annual fee. Learn how to apply for it right now!

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Capital One Quicksilver Cash Rewards card review

Check out our Capital One Quicksilver Cash Rewards card review and learn more about its perks, such as cash back, $0 annual fee and 0% foreign transaction fee!

Wells Fargo Reflect℠ Credit Card

Credit ScoreGood to Excellent.
Annual FeeNo annual fee.
Regular APRFrom 13.74% to 25.74% variable APR.
Cash back rewards*My Wells Fargo Deals reward program.

*Terms apply.

Wells Fargo Reflect℠ Card Highlights

Are you looking for a great credit card with an insane intro period of 18 months? The Wells Fargo Reflect℠ has got one of the biggest 0% APR periods in the market, with a possible extension to 21 months should you make payments on time and maintain responsible credit practices! See below what more this great card has to offer.

  • Earn cashback after enrolling in the My Wells Fargo Deals reward program through a statement credit.
  • One of the largest 0% APR intro periods in the credit card scene.
  • Roadside support, cellphone protection, and zero liability insurance package.
  • No annual fees.
Wells Fargo Reflect Credit Card

How to apply for the Wells Fargo Reflect℠ card?

Check out how the Wells Fargo Reflect℠ credit card application works so you can apply today and enjoy an extended introductory APR of 0% for up to 21 months!

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Wells Fargo Reflect℠ credit card review

This Wells Fargo Reflect℠ credit card review will show you how this card works and the list of pros and cons so you can decide if it is an option for you!

Citi Custom Cash℠ Credit Card

Credit ScoreGood to Excellent.
Annual FeeNo annual fee.
Regular APRFrom 14.74% to 24.74% variable APR.
Cash back rewards*Limited 5% cashback, 1% cashback on all eligible purchases after.

*Terms apply.

Citi Custom Cash℠ Card Highlights

Another great option featuring an intro period of 15 months with 0% APR, the Citi Custom Cash℠ credit card offers a great reward plan with a very solid welcome bonus! All with no annual fees, you can make purchases and collect your rewards worry-free. In conclusion, great for those seeking peace in their financial life!

  • Get a $200 cashback welcome bonus after spending $750 in the first 3 months after opening your account.
  • 5% cashback on your highest eligible spend category up to $500. Then, 1% cashback on all eligible purchases.
  • Digital wallet and online banking make for versatility and accessibility.
  • No annual fees.
Citi Custom Cash℠ credit card

How to apply for the Citi Custom Cash credit card?

Earning money while spending it is a benefit that some credit cards can offer you. That’s how the Citi Custom Cash℠ Card works. Check how to apply for it now!

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Citi Custom Cash℠ credit card full review

Imagine a card in which you earn cashback while spending money. That exists, and you could be its cardholder. How about that? Learn all about this card with our post!

Discover It Cashback Credit Card

Credit ScoreGood to Excellent.
Annual FeeNo annual fee.
Regular APRFrom 12.24% to 23.24% variable APR.
Cash back rewards*Limited 5% cashback, 1% cashback on all eligible purchases after.

Cashback Match program matches your rewards at the end of the year.

*Terms apply.

Discover It Cashback Card Highlights

Last but not least, in our journey through the absolute best 0% intro APR credit cards, the Discover It Cashback credit card is one of the best reward cards in the market. Offering an intro period of 15 months and no annual fee, it’s hard to beat this titan with its benefits!

  • Cashback Match will double your cashback for the year at its end.
  • Limited 5% cashback on eligible purchases. 1% cashback on all purchases.
  • Rewards for life with no expiry date.
  • Access to credit score for free.
  • No annual fees.
Discover it Cash Back Credit Card

How do you get the Discover it cashback card?

Do you think that the Discover it cashback card can be a great fit for you? If so, keep reading our post about how to apply!

Discover it Credit Cards

Discover it cashback credit card full review

The Discover it cashback credit card can be a great card for those who love cashback rewards! So, check out our post with a full review of this Discover card!

Do you travel a lot? Learn the best travel credit card options!

See which are the best credit cards for travel! Source: Unsplash
See which are the best credit cards for travel! Source: Unsplash

Who doesn’t want to travel with style, reaping all the most prestigious rewards for the purchases you make while traveling? Interested? Maybe our next post is for you, where we will cover the absolute best choices for those that want all this and more! You’ve seen what the Mister Finance can recommend. We are here to provide you with the greatest options there are!

See our post below and learn all about the very best travel credit card options, specially selected for you by the Mister Finance team!

person sitting on an airport looking at an airplane at the window

Best cards for travel: choose the best one!

Our best cards for travel selection will tell you all you need to know when it comes to choosing your next travel credit card.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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