Credit Cards (US)

Choose your 0% APR card

Check out the list with the best credit cards with the lowest introductory interest rates and choose your 0% APR card today!

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by Aline Augusto

09/03/2022 | Updated on 09/05/2022

Choose your 0% intro APR credit cards: the best options available 

A credit card with 0% APR will help you save some money. Source: Freepik.
A credit card with 0% APR will help you save some money. Source: Freepik.

Although most think about getting welcome bonuses as rewards, it might be better to consider applying for credit cards that offer introductory APR. This post will help you to choose your 0% APR card.

Even though it seems not that valuable, you won’t regret it as soon as you get to know what it is.

Blue Business Cash™ Card from American Express

How to apply for a Blue Business Cash™ Card

Learn the application process for the Blue Business Cash™ Card from American Express and easily request your new credit card!

So, before learning how to choose your 0% APR card, let me do a little review about the Annual Percentage Rate and introductory APR.

Check it out!

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Introductory APR 

Some cards have up to 21 months of 0% Intro APR. Source: Freepik.
Some cards have up to 21 months of 0% Intro APR. Source: Freepik.

First of all, the Annual Percentage Rate or APR is demonstrated as an interest rate based on a calculation of fees plus the total interest paid during a loan term.

Also, it is divided by the principal – or loan amount – and divided by the total number of days of a loan. Then, it is multiplied by one year.

In other simple words, the calculation considers a periodic interest rate multiplied by the number of periods when it was applied.

Since APR is a yearly rate charged in case of loans, credit card issuers charge it, too.

They can charge APR as a fixed or a variable rate, and they can charge it for purchases, balance transfers, and/or cash advances.

Basically, let’s suppose you violate any term or condition regarding the cardholder agreement or make a late payment, issuers will charge expensive penalty APRs.

That’s where introductory APR offers come in. 

Many cards provide excellent lower APRs during a period of time after you open an account. Maybe, it would be great for you to consider that, especially if you are trying to re-establish or build a good financial path.

Keep reading to choose your 0% APR card!

1. Discover it Cash Back

Discover it Cash Back credit card offers a 0% introductory APR for 15 months on both balance transfers and purchases.

Also, it doesn’t charge an annual fee and provides unlimited up to 5% cash back on all purchases.

Before applying, remember to read the terms and conditions.

2. Bank of America Unlimited Cash Rewards Credit Card

Bank of America features a wide range of cards. The Unlimited Cash Rewards Credit Card provides 0% intro APR for the first 15 billing cycles on purchases and 60 days on balance transfers (the period starts counting from the account opening date).

In addition, there is no annual fee, and you earn unlimited 1.5% cash back on every purchase you make.

Plus, the card offers a welcome bonus!

Bank of America® Unlimited Cash Rewards

How to apply for Bank of America® Unlimited card?

Bank of America® Unlimited Cash Rewards offers rewards with $0 annual fee. See how to apply for it!

3. U.S. Bank Visa Platinum Card

Enjoy your 0% Intro APR offer! Source: Freepik.
Enjoy your 0% Intro APR offer! Source: Freepik.

The U.S. Bank Visa Platinum Card offers 0% introductory APR on balance transfers and purchases for 20 billing cycles.

Furthermore, it doesn’t charge an annual fee.

Also, it is a great tool for you to stay aware of your financial health. 

4. Capital One Quicksilver Cash Rewards Credit Card

Capital One also is an amazing bank with several credit card options. The Quicksilver Cash Rewards provides 0% intro APR for 15 months on both balance transfers and purchases.

Moreover, it doesn’t charge an annual fee, and you earn unlimited 1.5% cash back on all purchases.

How to apply Capital One Quicksilver Cash 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!

5. Citi Custom Cash Card

The Citi Custom Cash Card also offers 0% APR on purchases and balance transfers for 15 months from the account opening.

It doesn’t charge an annual fee, too. 

Plus, it features up to 5% cash back on eligible categories up to a limit. After that, it offers 1% cash back on all purchases.

Citi Custom Cash℠ Card

How to apply for Citi Custom Cash℠ credit card

The Citi Custom Cash℠ credit card allows you to receive cashback on all purchases. See how to apply for it!

6. Blue Cash Everyday Card from American Express 

American Express is recognized for its fantastic card options. The Blue Cash Everyday Card is no different.

It provides low APR for 15 months on purchases and balance transfers.

Also, it features up to 3% cash back on all purchases and a lot of extra benefits for travelers, shoppers, and those who love entertainment. 

Blue Cash Everyday credit card fundo branco

How to apply for a Blue Cash Everyday®?

Earn cash back with no annual fee with a Blue Cash Everyday® card! Learn how to apply for it!

7. Chase Freedom Flex 

Besides the amazing welcome bonus, the Chase Freedom Flex card offers a low APR for 15 months on purchases and balance transfers.

Furthermore, there is no annual fee and up to 5% cash back on eligible categories.

How to apply for Chase Freedom Flex℠ card?

The Chase Freedom Flex℠ credit card is a good choice if you want a flexible cash back reward program. See how to apply for it now!

8. Chase Freedom Unlimited

Another Chase option, Freedom Unlimited also offers a good welcome bonus, up to 5% cash back, and security features.

The 0% introductory APR lasts 15 months from the account opening on balance transfers and purchases.

Chase Freedom Unlimited® credit card

How to apply for Chase Freedom Unlimited® card?

The Chase Freedom Unlimited® credit card allows you to access many benefits and perks, such as cashback rewards. So, check out how to apply for it!

9. Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card provides 15 months of 0% intro APR on purchases and qualifying balance transfers.

Besides the welcome bonus of $200 under certain terms and conditions, this card offers unlimited 2% cash rewards on purchases.

How to apply for the Wells Fargo Active Cash card?

The Wells Fargo Active Cash card is great for everyday purchases and it has amazing rewards. Check out how to get this great cash back card!

10. Wells Fargo Reflect Card

Now, the longest period of lower APR goes to Wells Fargo Reflect Card. You can get up to 21 months of 0% APR on purchases and qualifying balance transfers.

Although it doesn’t offer a reward program, this credit card doesn’t charge an annual fee.

Wells Fargo Reflect℠ credit card

How to apply for a Wells Fargo Reflect℠ card

The lowest intro APR with Wells Fargo Reflect℠ Card! Check out how to apply for it!

Recommendation: 8 best credit cards for building credit scores fast

In case you need a little help choosing your next credit-building tool, we have prepared a list of the best eight cards you might be happy to access.

As you are already familiar, good credit cards with the lowest APR offers usually require at least a fair credit score.

So, don’t waste any more time searching for a card that helps you build credit in order to get a better one later. Check out the list now!

8 best credit cards for building credit score fast

Check out the 8 best credit cards for building credit scores fast, read the reviews, and choose which one fits your needs and goals better!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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