13 Best 0% APR Credit Cards of June 2024 | Bankrate (2024)

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Best longest intro APR card

13 Best 0% APR Credit Cards of June 2024 | Bankrate (1)

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Intro offer

Intro offer is not available for this Wells Fargo credit card.

N/A

Rewards rate

Rewards rate is not available for this credit card.

N/A

Why you’ll like this card:It gives you more time to pay off debt and minimize interest than almost any other card.

Best for rotating bonus categories

13 Best 0% APR Credit Cards of June 2024 | Bankrate (2)

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Discover's secure site

Purchase intro APR

0% for 15 months

Regular APR

18.24% - 28.24% Variable APR

Intro offer

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Rewards rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

1% - 5%

Why you’ll like this card:On top of its intro APR offer and cash back match at the end of the first year, it carries solid long-term value with high rewards rates and category variety.

Best for travel

13 Best 0% APR Credit Cards of June 2024 | Bankrate (3)

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

Why you’ll like this card:It's one of the only no-annual-fee travel cards that offers an intro APR and lets you transfer miles to airline and hotel partners.

Best for flat-rate rewards

13 Best 0% APR Credit Cards of June 2024 | Bankrate (4)

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards

Rewards rate

Earn unlimited 2% cash rewards on purchases.

2%

Why you’ll like this card:It boasts one of the best flat rewards rates you can get on a card with an intro APR.

Best for everyday use

13 Best 0% APR Credit Cards of June 2024 | Bankrate (5)

Bankrate score

Rating: 4.6 stars out of 5

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.6 stars out of 5

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

19.24% - 29.99% Variable

Intro offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Earn $200

Rewards rate

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

1% - 3%

Why you’ll like this card:It has great short- and long-term value since it offers both an intro APR and rewards on everyday spending.

Best for dining and entertainment

13 Best 0% APR Credit Cards of June 2024 | Bankrate (6)

Bankrate score

Rating: 5 stars out of 5

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 5 stars out of 5

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

Rewards rate

8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.

1% - 8%

Why you’ll like this card:Few cards offer such a high rewards rate on such a practical mix of everyday bonus categories, especially at no annual fee.

Best for simplicity

13 Best 0% APR Credit Cards of June 2024 | Bankrate (7)

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$200

Rewards rate

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.

1.5% - 5%

Why you’ll like this card:Its streamlined rewards and solid intro APR offer make it a good starter cash back card.

Best for families

13 Best 0% APR Credit Cards of June 2024 | Bankrate (8)

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

Purchase intro APR

0% on purchases for 12 months

APR

19.24% - 29.99% Variable

Intro offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250

Rewards rate

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

1% - 6%

Why you’ll like this card:It offers the best rewards rate available at U.S. supermarkets, a solid rate in other everyday categories and practical perks like streaming credits.

Best for Bank of America customers

13 Best 0% APR Credit Cards of June 2024 | Bankrate (9)

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Intro offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Rewards rate

Earn unlimited 1.5% cash back on all purchases.

1.5%

Why you’ll like this card:The Preferred Rewards program can make this one of the most lucrative flat-rate cash back cards available.

Best for flexible spending

13 Best 0% APR Credit Cards of June 2024 | Bankrate (10)

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

20.49% - 29.24% Variable

Intro offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Rewards rate

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.

1.5% - 5%

Why you’ll like this card:It offers an intro APR and a higher base rewards rate than most cards with multiple categories, so it’s a great standalone option.

Best for business purchases

13 Best 0% APR Credit Cards of June 2024 | Bankrate (11)

Bankrate score

Rating: 4.2 stars out of 5

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.2 stars out of 5

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 12 Months

Regular APR

18.49% - 24.49% Variable

Intro offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn $750 bonus cash back

Rewards rate

Earn unlimited 1.5% cash back on every purchase made for your business.

1.5%

Why you’ll like this card:You’ll earn valuable Chase points at a great flat rate and can free up cash flow with its intro APR offer (not always a given on business cards).

Best for commuters

13 Best 0% APR Credit Cards of June 2024 | Bankrate (12)

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Citi's secure site

Purchase intro APR

0% for 15 months on purchases

Regular APR

19.24% - 29.24% (Variable)

Intro offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$200

Rewards rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

1% - 5%

Why you’ll like this card:Its top rewards rate adapts to match your spending, giving you a shot at one of the best rates out there in several popular categories.

Best for shopping

13 Best 0% APR Credit Cards of June 2024 | Bankrate (13)

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Bank of America's secure site

Intro offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Rewards Rate

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card:It’s an ultra-flexible card thanks to its intro APR and mix of cash back categories, which you can swap out once per calendar month.

Best for low interest

13 Best 0% APR Credit Cards of June 2024 | Bankrate (14)

BankAmericard® credit card

*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

*

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Purchase intro APR

0% Intro APR for 18 billing cycles for purchases

Regular APR

16.24% - 26.24% Variable APR on purchases and balance transfers

Intro offer

Intro offer is not available for this Bank of America credit card.

N/A

Rewards rate

Rewards rate is not available for this credit card.

N/A

Why you’ll like this card:It offers a chance at one of the lowest ongoing APRs available on a balance transfer card.

Compare Bankrate's top 0% intro APR credit cards

Card NameOur pick for

Balance Transfer Intro Offer

Purchase Intro OfferOngoing APR

Bankrate score

13 Best 0% APR Credit Cards of June 2024 | Bankrate (15)

Longest intro APR card

21 months0% intro APR for 21 months from account opening on qualifying balance transfers

21 months0% intro APR for 21 months from account opening

Regular APR: 18.24%, 24.74%, or 29.99% Variable APR

4.3 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Wells Fargo's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (16)

Rotating bonus categories

15 months0% for 15 months

15 months0% for 15 months

Regular APR: 18.24% - 28.24% Variable APR

4.4 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Discover's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (17)

Travel

15 months0% intro on balance transfers for 15 months

15 months0% intro on purchases for 15 months

Regular APR: 19.99% - 29.99% (Variable)

4.1 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Capital One's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (18)

Flat-rate cash rewards

15 months0% intro APR for 15 months from account opening on qualifying balance transfers

15 months0% intro APR for 15 months from account opening

Regular APR: 20.24%, 25.24%, or 29.99% Variable APR

4.3 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Wells Fargo's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (19)

Everyday use

15 months0% on balance transfers for 15 months

15 months0% on purchases for 15 months

Regular APR: 19.24% - 29.99% Variable

4.6 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

13 Best 0% APR Credit Cards of June 2024 | Bankrate (20)

Dining and entertainment

15 months0% intro on balance transfers for 15 months

15 months0% intro on purchases for 15 months

Regular APR: 19.99% - 29.99% (Variable)

5.0 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Capital One's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (21)

Simplicity

15 months0% intro on balance transfers for 15 months

15 months0% intro on purchases for 15 months

Regular APR: 19.99% - 29.99% (Variable)

3.8 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Capital One's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (22)

Families

12 months0% on balance transfers for 12 months

12 months0% on purchases for 12 months

Regular APR: 19.24% - 29.99% Variable

4.4 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on American Express's secure site

See Rates & Fees, Terms Apply

13 Best 0% APR Credit Cards of June 2024 | Bankrate (23)

Bank of America customers

15 billing cycles0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

15 billing cycles0% Intro APR for 15 billing cycles for purchases

Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers

3.8 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Bank of America's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (24)

Flexible spending

15 months0% Intro APR on Balance Transfers for 15 months

15 months0% Intro APR on Purchases for 15 months

Regular APR: 20.49% - 29.24% Variable

4.8 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Chase's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (25)

Business purchases

N/A

12 months0% Intro APR on Purchases for 12 Months

Regular APR: 18.49% - 24.49% Variable

4.2 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Chase's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (26)

Commuters

15 months0% for 15 months on balance transfers

15 months0% for 15 months on purchases

Regular APR: 19.24% - 29.24% (Variable)

4.4 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Citi's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (27)

Best for shopping

15 billing cycles0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

15 billing cycles0% Intro APR for 15 billing cycles for purchases

Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers

4.3 / 5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

(Read card review)

Apply now

on Bank of America's secure site

13 Best 0% APR Credit Cards of June 2024 | Bankrate (28)

Low interest

18 billing cycles0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

18 billing cycles0% Intro APR for 18 billing cycles for purchases

Regular APR: 16.24% - 26.24% Variable APR on purchases and balance transfers

How a Bankrate editor used his 0% APR card offer

Using an intro APR card can make it easier to cover large purchases, but you should do your best not to charge more than you’re sure you can pay off.

The Citi Custom Cash card and its intro APR on purchases helped Bankrate editor Brendan Dyer take his time paying off unexpected expenses and more confidently fold loan payments into his monthly budget.

“Shortly after I bought a car, I applied for the Citi Custom Cash card because it had an introductory APR offer I wanted to take advantage of alongside my new car loan. I used the card to buy groceries and, occasionally, gas. I never had a loan before, so making car payments was new to me. I wanted to get it over with as quickly as possible, or at least get far enough ahead on the loan that I could trim the overall interest I would pay on it.

The Citi Custom Cash card and its introductory APR offer let me carry a balance for all my regular purchases for a little more than one year while I focused on paying off my car. I knew I would eventually pay off my card balance before the offer period ended, but the intro APR gave me a safety net while I managed a new monthly car payment. It also helped me avoid a lot of interest on my car loan because I didn’t need to pay my card off right away and could keep paying down the principal on my loan.”

— Brendan Dyer, Editor, Bankrate

Learn more:Read our full guide on the pros and cons of 0 percent APR credit cards

How much could you save with a zero-interest card?

Although we probably won’t see further rate hikes soon, knowing your card’s APR is crucial since rates have remained at sky-high since August 2023. The current average interest rate is around 20 percent, and this high rate could easily accumulate hundreds of dollars in interest payments before you settle your balance, especially if you charge most of your purchases to the card.

Current credit card interest rates

While the changes seem small on the surface, they can add up. Even a small change can make a difference in how long it takes to pay off your credit card balance.

With an intro APR offer, you can pay down your debt through lower payments without racking up additional interest. While the offer won’t last forever, it’ll give you a window that makes paying off your debt easier. With Bankrate’s credit card payoff calculator, the table below shows that an 18-month 0 percent APR offer could save you around $400 in interest on a $3,000 credit card balance.

APRWith 3% balance transfer feeMonthly paymentTotal interestTotal amount paid
20% for 18 months$3,000$194$497$3,497
0% intro on balance transfers for 18 months$3,090$167$0$3,090

Dig deeper:How to maximize your 0% APR credit card

Ask the experts: What are the best ways to avoid paying interest on a credit card?

Thomas NitzscheFinancial Educator, Debt and Credit

Whenever possible, pay off your credit cards every month. If you have a balance with a high interest rate, look for balance transfer opportunities and try to pay off the balance within the promotional rate time frame. If you have bad credit and are struggling to pay down your balance, look into a debt management plan through a nonprofit credit counseling agency. Some creditors offer as low as 0 percent through a debt management plan, and multiple monthly payments can be consolidated into one. On average, a debt management plan lasts four years, but there is no prepayment penalty if you are able to pay it off sooner. Keep in mind that a debt management plan will close the accounts you’re consolidating, so this isn’t something you want to do as a first option.

What people say about 0% intro APR credit cards

Advice from other people who’ve used the cards you’re interested in is a great way to shop around for your next credit card. We explored what people had to say about the best zero-interest cards to give you more perspectives on your options.

Our data: Bankrate’s most popular zero interest credit cards

We dug into our proprietary data to identify Bankrate’s most popular0 percent intro APR credit card offers in 2023.

An average of 18 percent of Bankrate users clicked on these three credit cards:

  • BankAmericard Credit Card
  • Citi Diamond Preferred Card
  • U.S. Bank Visa® Platinum Card

These cards feature some of the longest intro APR offers available, but they may be tough to qualify for without an excellent credit score. Plus, there may not be as much long-term value once the introductory period ends. In fact, our data suggests that it may be much easier to get a rewards card with a shorter intro APR offer than cards that carry best-in-class intro APR offers.

For example, in 2023, 10 percent more Bankrate users were approved for a popular cash back card with a 15-month intro APR offer than for any of the cards mentioned above. On the plus side, many cards make up for their shorter intro APR periods with rewards. Consider this as you shop for a 0 percent intro APR card: You may have to give up a few months of 0 percent intro APR if you want a card that earns rewards, but the card will have more long-term value.

Frequently asked questions about 0% APR credit cards

Up next:

13 Best 0% APR Credit Cards of June 2024 | Bankrate (30)

What is APR on a credit card?

13 Best 0% APR Credit Cards of June 2024 | Bankrate (31)

What happens when your 0% intro APR period ends?

13 Best 0% APR Credit Cards of June 2024 | Bankrate (32)

What is a purchase APR?

13 Best 0% APR Credit Cards of June 2024 | Bankrate (33)

Why do I owe interest on a 0% APR credit card?

13 Best 0% APR Credit Cards of June 2024 | Bankrate (34)

What does 0% APR mean?

How we assess the best zero-interest credit cards

100+

card ratings

400+

APRs tracked

3000

data points analyzed

40+

perks evaluated

When evaluating the best zero-interest cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders.

A “zero-interest” designation can apply to several different types of card, each best suited to a different type of cardholder. Some users may need to finance purchases or carry a balance long term, others may need as much time as possible to chip away at debt and still others would love an intro APR but mostly want to maximize a card’s long-term value via rewards.

Here’s a quick look at our card rating methodologies vary based on card type, with most “zero-interest” cards landing in a primary scoring category of Balance Transfer, Low-Interest or Rewards.

For balance transfer and low-interest cards, our scoring breaks down as follows:

5

Rating: 5 stars out of 5

Overall Score

  • Rates and fees80%

  • Perks10%

  • Customer experience10%

For rewards cards, the breakdown looks quite different:

5

Rating: 5 stars out of 5

Overall Score

  • Value65%

  • Flexibility15%

  • Perks15%

  • Customer experience5%

We analyzed over 100 of the most popular zero-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered:

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information about the Chase Freedom Flex℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Continue reading:

  • How to use a 0% APR credit card as an interest-free loan

  • How to pay off credit card debt

  • 8 balance transfer credit card mistakes to avoid

Garrett YarbroughArrow RightWriter, Credit Cards

Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card,

  • Email

Courtney MihocikArrow RightSenior Editor, Credit Cards

Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

13 Best 0% APR Credit Cards of June 2024 | Bankrate (2024)
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