Credit cards with 0% APR offer a terrific method to finance significant purchases or consolidate current debt while paying no interest for a defined period. Many popular alternatives provide extended 0% APR periods, prizes, and customizable terms. Some of the most popular cards are the Wells Fargo Reflect® Card (up to 21 months of 0% APR), the Citi Simplicity® Card (21 months on debt transfers), and the Chase Freedom Unlimited® (15 months of 0% APR with cashback bonuses). These cards assist users in making more informed financial decisions while increasing their savings.
Summary TLDR
Top 14 Used Credit Cards in USA for 0% APR Offers [2025]
| S. N. | Name of Most Used Credit Cards in USA for 0% APR Offers | Best Known & Value for |
|---|---|---|
| 1. | Citi Simplicity® Card | Best for low balance-transfer fee |
| 2. | Wells Fargo Reflect® Card | Best for purchases and balance transfers |
| 3. | Capital One Savor Cash Rewards Credit Card | Best for no foreign transaction fees |
| 4. | Wells Fargo Active Cash® Card | Best for cash back |
| 5. | Chase Freedom Unlimited® | Best card for dining |
| 6. | Blue Cash Everyday® Card from American Express | Best for online shopping |
| 7. | Citi® Diamond Preferred® Card | Best for balance transfers |
| 8. | Capital One VentureOne Rewards Credit Card | Best for no annual fee |
| 9. | Discover it® Cash Back. | Best for Sign-Up Bonus |
| 10. | Citi Double Cash® Card | Best for average credit |
| 11. | Citi Custom Cash® Card | Best for rotating categories |
| 12. | Chase Freedom Flex® | Best for purchase protections |
| 13. | Ink Business Unlimited® Credit Card | Best for businesses |
| 14. | Citi Rewards+® Card | Best for gas and groceries |
Best Credit Cards in the USA for 0% APR Offers [March 2025]
1. Citi Simplicity® Card
The Citi Simplicity Card can be beneficial if you need to pay off credit card debt. With one of the longest promotional APR periods now offered for debt transfers with no annual fee, late fees, or penalty APR, it’s one of the most lenient credit cards available for balance transfers.
During the first four months of opening an account, new cardholders can benefit from a zero percent intro APR for purchases for 12 months and a twenty-one-month APR for balance transfers (18.24% to 28.99% (variable) APR after that).
Long 0% APR, Simple Payments
- Issuer – Citi
- Payment Gateway – MasterCard
- Credit Score – Good to Excellent
- Annual Fee – $0
- Intro APR – 0% Intro APR for 21 months
- Regular APR – 18.24% – 28.99% variable
- Sign In Bonus – N/A
- Best For – Balance Carriers, Budget-conscious
The Citi Simplicity® Card, issued by Citi, is designed for simplicity and convenience. Its best feature is that there are no late fees or penalty APRs. It benefits users with a straightforward approach to credit, making it ideal for those seeking stress-free financial management.
The card has no annual fee. Its unique feature is that there are no late fees ever. The credit limit depends on creditworthiness. A fair to good credit score (580+) is required. No referral program, but it offers a long introductory APR period on purchases and balance transfers.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Late Fees | N/A | Foreign transaction fee: 3 percent |
| No Penalty Rate | – | Cash advance fee: either $10 or 5 percent of each cash advance, whichever is greater |
| No Annual Fee | – | Automatic account alerts |
| Stay protected with Citi® Quick Lock | – | Identity theft protection |
| $0 liability on unauthorized charges | – | Contactless pay |
| Access to Citi Entertainment tickets and Citi Flex Plan alternative payments | – | – |
| Payment due date flexibility | – | – |
| Digital wallet | – | – |
Pros & Cons:
Pros
- Offers one of the longest intro APR periods for balance transfers currently available.
- This card doesn’t charge late fees — or a penalty APR — if you make a late payment.
- The intro balance transfer fee is lower than the 5 percent fee.
Cons
- The card lacks long-term value since it doesn’t earn rewards or have a welcome offer.
- The intro APR for purchases doesn’t last as long as it does for balance transfers
- The 3 percent foreign transaction fee could be costly (although many balance transfer cards have this fee).
Expert Advice
The Citi Simplicity card offers a lengthy introductory period for balance transfers and is excellent for consolidating current credit card debt. Since it’s maybe the only major card that fully waives late payment fees, it might really be among your best alternatives if you’re concerned that you might miss a payment deadline.
However, given the Simplicity card lacks a rewards program, a lengthy intro APR on purchases, and other noteworthy benefits that competing cards could provide, another card might end up being a better choice in the long term.
2. Wells Fargo Reflect® Card
The Wells Fargo Reflect Card, one of the greatest credit cards for balance transfers available, boasts one of the longest intro APR periods for eligible balance transfers and purchases, as well as a respectable standard annual percentage rate (APR) without an annual fee. However, it might not be your greatest long-term choice because it lacks a rewards program and numerous benefits. Because of the high balance transfer charge, you can wind up paying more than you would with a card that has a lower balance transfer fee but a shorter intro APR term.
Low Intro APR
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – Good
- Annual Fee – $0
- Intro APR – 0% intro APR for 21 months from account opening
- Regular APR – 17.24%, 23.74%, or 28.99% Variable APR
- Sign In Bonus – N/A
- Best For – General Consumers
Known for its exceptionally long 0% intro APR period, the Wells Fargo Reflect® Card is perfect for those who want to finance large purchases or manage existing debt. It offers 0% intro APR for 18 months, with a possible extension to 21 months with on-time payments. This makes it one of the longest 0% APR cards available, ideal for people looking to pay down debt interest-free.
The card has no annual fee, making it a budget-friendly option. A good credit score (670+) is required for approval. While it doesn’t offer a rewards program or referral benefits, it includes cell phone protection, fraud monitoring, and zero liability protection. The extended APR offer on balance transfers makes it a top choice for those prioritizing low-cost financing over rewards.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fees | N/A | 3% foreign transaction fee |
| 24/7 roadside dispatch assistance | – | 5% balance transfer fee (minimum $5) |
| My Wells Fargo Deals | – | Up to $40 late payment fee |
| Zero liability protection | – | Cellphone protection |
Pros & Cons:
Pros
- No annual fee, making it ideal for debt consolidation or saving on interest.
- Lower ongoing APR than competitors.
- A long 0% APR period for balance transfers allows more time to repay debt.
Cons
- No sign-up bonus or rewards, reducing long-term value.
- High balance transfer fee compared to other cards.
- Limited additional perks.
Expert Advice
The Wells Fargo Reflect is one of the best options available for people who need to stave off interest for as long as possible. Although the advantage of mobile protection is useful, the Reflect’s absence of a rewards scheme limits its long-term worth when compared to competing cards.
3. Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is ideal for consumers with above-average credit who want to earn significant rewards on restaurants, groceries, popular streaming services, and entertainment. With no annual fees and 0% APR incentives, it provides outstanding value in addition to its attractive advantages.
Dining Rewards, Entertainment Rewards
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Excellent
- Annual Fee – $0
- Intro APR – 0% for 12 months
- Regular APR – 19.24%-29.24% Variable
- Sign In Bonus – $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- Best For – Food Enthusiasts, High Spenders
The Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back at grocery stores, dining, entertainment, and popular streaming services. Issued by Capital One, it’s perfect for foodies and entertainment enthusiasts.
With no annual fee and a 0% intro APR for 15 months, the Savor card also offers 5% cash back on hotels and rental cars booked through Capital One Travel. A good credit score is required, and cardholders can refer friends for rewards.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 8% cash back on Capital One Entertainment purchases | New-cardholder bonus |
| No foreign transaction fee | 5% cash back on hotels and rental cars booked using Capital One Travel | 24/7 Customer service |
| Extended warranty | Unlimited 3% cash back on dining, entertainment, popular streaming subscriptions, and grocery store purchases (excluding superstores like Walmart and Target) | Late payment fee: Up to $40 |
| Has AutoPay | 1% cash back on all other purchases | Cash Advance is 5% or $10, whichever is greater |
Pros & Cons:
Pros
- No annual fee
- Unlimited 3% cash back on dining, entertainment, popular streaming services and groceries
- Intro APR for purchases and balance transfers.
Cons
- Low base rewards rate for purchases outside bonus categories
- Average sign-up bonus.
Expert Advice
The Capital One Savor Cash Rewards Credit Card is a unique credit card that provides exceptional rewards to members of both groups or to those who belong to both. For nightlife enthusiasts, this $0 annual fee card provides limitless 3% cash back on entertainment and eating.
You may also earn limitless 3% cash back in grocery shops and on qualified streaming services if you prefer to relax at home. If you buy something outside of these categories, you’ll receive 1% cash back.
4. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card isn’t only one of the greatest cash rewards cards; it’s also one of the top no-annual-fee credit cards in general due to its potential rewards value for a wide range of consumers. Although competition among flat-rate cash rewards cards has heated up in recent years, the Active Cash card remains one of the best alternatives, with more well-rounded, user-friendly features than its competitors.
Cash Back
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – Good to Excellent
- Annual Fee – $0
- Intro APR – 0% Intro APR for 15 months from account opening
- Regular APR – 19.24% to 29.24% Variable APR
- Sign In Bonus – $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.
- Best For – Individuals Seeking Cash Back
The Wells Fargo Active Cash® Card is a top-tier cashback credit card offering an unlimited 2% cash reward on every purchase. Issued by Wells Fargo, it provides straightforward rewards with no categories to track, making it an excellent everyday spending card.
It has no annual fee and a generous welcome bonus. Requires a good to excellent credit score. The card offers a 0% intro APR for 15 months, cell phone protection, and Visa Signature benefits, making it a well-rounded option.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 3X points on dining, travel, transit, phone plans, popular streaming services and gas | Auto rental collision damage waiver coverage |
| No foreign transaction fees | – | Pay-per-use 24/7 roadside dispatch assistance |
| No penalty APR | – | Cellphone protection: Up to $600 per claim against damage or theft when paying your monthly cellphone bill with the card (up to two claims per year, minus a $25 deductible) |
| My Wells Fargo Deals | – | 3% intro balance transfer fee on transfers within the first 120 days ($5 minimum), then up to 5 percent ($5 minimum) |
| Visa Signature® perks | – | 3% foreign currency conversion fee |
| – | – | Up to $40 fee for late payments |
Pros & Cons:
Pros
- Unlimited 2 percent cash rewards on purchases
- This card’s intro APR offer on purchases and qualifying balance transfers gives cardholders a chance to save on interest.
- Wells Fargo’s handy cellphone protection is available when you pay your bill with this card.
Cons
- Charges a 3 percent foreign currency conversion fee, making it a poor choice for traveling abroad.
- Competing cash-back cards provide more valuable perks and credits to add extra value.
- Wells Fargo has limited travel rewards redemption value compared to competitors.
Expert Advice
The Wells Fargo Active Cash Card is still one of the finest flat-rate cash rewards credit cards available since it is low-maintenance and offers excellent rewards and redemption choices. The adaptability of the Active Cash card makes it suitable for nearly any incentive system. However, with less attractive initial APR rates and Wells Fargo card pairings, another flat-rate cash rewards card may be a better fit for your requirements.
5. Chase Freedom Unlimited®
The Chase Freedom Unlimited® Card offers high cashback rewards on various purchases such as travel, dining at restaurants, drug stores, gas stations, and many other purchases.
Cashback Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good – Excellent
- Annual Fee – $0
- Intro APR – 0% for 15 months
- Regular APR – 20.24%–28.99%
- Sign In Bonus – $200 after $500 spent in 3 months
- Best For – General Consumers
The Chase Freedom Unlimited® Card is designed for everyday spending. Issued by Chase, it offers unlimited cash back on all purchases and helps manage expenses efficiently. It provides flexibility in earning rewards.
The card has no annual fee and offers 1.5% cash back on all purchases. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Cashback Rewards | 1.5% unlimited cashback on all purchases | Charges 5% or $10 Cash Advance Fee |
| 5% on Travel Purchases | 3% cash back on dining & drugstores | Charges 3% International Transaction fee |
| No Annual Fee | – | – |
Pros & Cons:
Pros
- No annual fee.
- Introductory APR for 15 months.
- No minimum redemption amount.
Cons
- The card has a higher APR.
- Charges fees for international transactions.
Expert Advice
The Chase Freedom Unlimited® Card is a great cashback card that offers high cashback rates with no minimum redemption amount. This card has no annual fee and provides a 0% introductory APR for the first 6 months on purchases and balance transfers.
Chase Freedom Unlimited® Card offers 3% cashback on dining at restaurants, including takeout, as well as on drugstore purchases, and earn upto 1.5% cashback on all purchases. For travel expenses made through Chase Travel, you can earn an impressive 5% cashback.
6. Blue Cash Everyday® Card from American Express
American Express Blue Cash daily® Card earns cash back on daily purchases and has no annual fee. Cardholders get 3% cash back at US supermarkets on purchases up to $6,000 per year, followed by 1%. 3% cash back on U.S. online retail transactions up to $6,000 per year, followed by 1%. 3% cash back at petrol stations in the United States on purchases of up to $6,000 a year, followed by 1%. 1% cash back on other purchases. You can receive a $200 statement credit if you spend $2,000 on your new Card during the first 6 months.
Everyday Spending, Cashback
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Annual Fee – $0
- Intro APR – 0% for 15 months
- Regular APR – 19.24%–29.99
- Sign In Bonus – $200 statement credit after $2,000 spent in 6 months
- Best For – Budget-Conscious, Families
The American Express® Blue Cash Everyday Card, issued by American Express, offers cash back on everyday purchases, including groceries and gas. Its best feature is the 3% cash back on U.S. gas stations, helping save on fuel expenses.
The card has no annual fee for the first year, which is $95. Unique features include 3% cash back on U.S. gas stations and a $250 statement credit after spending $3,000 in the first 6 months. The required credit score is 670+. The referral program offers bonus Membership Rewards points.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Annual Fee | 3% cash back on groceries | The cash advance fee is 5% or $10 |
| Up to $180 in Home Chef annual credits per year | 3% cash back on gas stations & online retail purchases | – |
| Up to $84 in annual credits toward Disney Bundle subscriptions per year | – | – |
| Cardholders get exclusive presale tickets and access to special events like shows, concerts, and sports through American Express Experiences. | – | – |
Pros & Cons:
Pros
- Generous rewards categories with no annual fee.
- Unique U.S. online retail shopping bonus.
- Competitive intro APR on purchases and balance transfers.
Cons
- Wholesale clubs and superstores don’t qualify for supermarket bonuses.
- Higher cashback potential with Blue Cash Preferred® card for supermarket spending.
- Foreign transaction fees make it less ideal for international use.
Expert Advice
The American Express Blue Cash Everyday Card is an excellent credit card for anyone with a credit score of 700 or above. If you want a $0 annual fee and high cash-back benefits on U.S. grocery, petrol station, and online retail transactions, Amex Blue Cash Everyday is the card to obtain. The Blue Cash Everyday Card also has 0% introductory APRs and a $200 statement credit for spending $2,000 within the first six months.
7. Citi® Diamond Preferred® Card
With a 0% APR for one year on balance transfers, the Citi Diamond Preferred Card is good for those trying to store on interest. It offers a prolonged introductory length, making it a first-rate choice for paying down excessive-interest debt.
0% APR Offers
- Issuer – Citi
- Payment Gateway – MasterCard
- Credit Score – Good-Excellent
- Annual Fee – $0
- Intro APR – 0% for 12 months
- Regular APR – 19.24%–29.24%
- Sign In Bonus – N/A
- Best For – Balance Carriers, Low-Interest Seekers
The Citi® Diamond Preferred® Card, issued by Citi, is great for balance transfers. Its best feature is a long introductory APR period. It benefits users by reducing interest costs on existing balances, making it a smart choice for debt management.
The card has no annual fee. Its unique feature is a 0% introductory APR on balance transfers. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers Citi Entertainment access and fraud protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Annual Fee | N/A | Citi Easy Deals |
| Citi Flex Loan | – | 3 percent foreign transaction fee |
| Citi Entertainment | – | A balance transfer fee applies to this offer: 5% of each balance transfer, with a $5 minimum. |
Pros & Cons:
Pros
- It is one of the longest 0% APR periods for balance transfers.
- Low ongoing APR helps with emergency expenses.
- No annual fee, keeping costs low.
Cons
- Shorter 0% APR period for purchases.
- High 5% balance transfer fee.
- No rewards program after the intro period.
Expert Advice
The Citi Diamond Preferred Card is a great option for consolidating debt or making large expenditures. Its lengthy 0% APR offer on balance transfers allows you plenty of time to repay your debt without incurring excessive interest.
8. Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card might be a great choice if you travel sometimes and want a low-maintenance, inexpensive travel rewards card. Additionally, the good sign-up bonus and the introductory annual percentage rate (APR) provided on purchases and debt transfers make the first-year value comparable to a number of the best travel cards for newcomers.
Redeem Miles for Travel
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Good/Excellent
- Annual Fee – $0
- Intro APR – 0% intro APR on purchases for the first 15 months
- Regular APR – 19.24% – 29.24% (Variable)
- Sign In Bonus – 20,000 bonus miles if you spend $500 within the first three months
- Best For – Occasional Travelers, Heavy Travelers
The Capital One VentureOne Rewards Credit Card earns 1.25 miles per dollar for all transactions. Capital One offers an easy and flexible solution for travelers.
The card makes it simple to earn and redeem travel rewards because there are no annual fees or international transaction fees. A strong credit score is essential, which includes travel benefits such as rental vehicle insurance and fraud protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Annual Fee | 5X miles on hotels and rental cars when you book through Capital One Travel | 3% balance transfer fee for the first 15 months; |
| No Foreign Transaction Fee | 1.25X miles on all purchases. | 4% at a promotional APR that Capital One may offer you at any other time |
| Extended Warranty* – Doubles the original manufacturer’s warranty, up to a maximum of twenty-four (24) months, for eligible items purchased with your card. | – | Travel Assistance Services* – Available 24/7 to help connect you with local emergency and assistance resources when you’re away from home |
| Auto Rental Insurance* – Use your card to rent an eligible vehicle. | – | Concierge* – Enjoy 24/7 assistance booking travel, getting hard-to-get reservations at a favorite restaurant, finding that perfect gift, and more |
Pros & Cons:
Pros
- Transfer miles to travel partners for added value.
- Intro APR offer helps save on large purchases or balance transfers.
- It’s a decent welcome bonus, especially for travel redemptions.
Cons
- Lacks premium travel perks like trip cancellation insurance.
- Lower rewards rate than competing flat-rate cards.
- Requires good to excellent credit (670–850) for approval.
Expert Advice
The Capital One VentureOne Rewards Credit Card can be the best option for you if you’re looking for a cheap card that allows you to earn miles on occasion. You may start earning 1.25X miles on every dollar you spend, as well as receive a respectable welcome bonus without having to pay an annual fee (see rates and fees).
Transferring miles to Capital One’s partner travel programs is its greatest advantage and might raise the value of your accrued points. If you are ready to work for it, this feature, which is typical of premium travel cards, can significantly increase the attractiveness of VentureOne’s lower flat rewards rate.
9. Discover it® Cash Back
The Discover it® Cash Back offers one of the best quarterly returns rates for a variety of daily spending. To optimize your rewards, you must activate your categories and track your spending to align with Discover’s quarterly bonus categories. This extra effort may make Discover’s Cashback Match® the best first-year offer available for a personal cash-back card.
Cash Back, Rotating Categories
- Issuer – Discover
- Payment Gateway – Discover
- Credit Score – Good/Excellent
- Annual Fee – $0
- Intro APR – 0% intro APR for 15 months on purchases and balance transfers
- Regular APR – Variable APR of 18.24% – 27.24%.
- Sign In Bonus – All cash back earned at the end of the first year is matched.
- Best For – Everyday Spenders
The Discover it® Cash Back card, issued by Discover, offers 5% cash back on rotating quarterly categories and 1% on all other purchases. It’s perfect for those who want to maximize rewards in everyday spending categories.
There is no annual fee, and Discover matches all cash back earned at the end of the first year. The credit limit varies, and a fair to good credit score is required. It also includes a referral program, no foreign transaction fees, and free FICO® credit score access.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 5% cash back after activation on rotating categories each quarter (up to $1,500 in purchases, then 1 percent) | No fee for the first late payment (then up to $41) |
| No foreign transaction fee | 1% for all other purchases | 3% intro balance transfer fee, up to 5 percent fee on future balance transfers (see terms)* |
| No penalty APR | – | A cash advance fee of either $10 or 5 percent of each cash advance, whichever is greater |
| Acclaimed, U.S.-based 24/7 customer service | – | Free credit monitoring service and alerts |
| Free FICO score access | – | Freeze it® card locking in the mobile app |
| $0 fraud liability | – | – |
Pros & Cons:
Pros
- High rewards on rotating categories with no annual fee.
- Low rates and fees compared to many other cards.
- Cashback Match doubles your first-year earnings with no limit.
Cons
- Bonus categories may not align with your spending habits.
- 5% cash back is capped at $1,500 per quarter.
- Requires quarterly activation, which may be inconvenient for some users.
Expert Advice
The Discover it® Cash Back is an excellent choice if you don’t mind changing your purchasing patterns to take advantage of Discover’s cash back calendar each quarter. Its high-earning rewards plan leverages Discover’s one-of-a-kind introductory bonus, making it one of the finest for a card with no annual fee.
The Discover it® Cash Back card also has some of the lowest rates and fees offered by a major issuer, and it is available to those with excellent or better credit scores (670+ FICO score). Despite its lack of features, the Discover it® Cash Back’s emphasis on accessibility, affordability, and exceptional customer service makes it an ideal rewards card for those willing to put in the work.
10. Citi Double Cash® Card
The Citi Double Cash Card boasts a straightforward and profitable cash-back structure: 2% cash back on all transactions (1% when you buy and 1% when you pay). With no changing categories or restrictions, it’s an excellent choice for simple cash-back returns. It also has no annual fee and offers an 18-month 0% intro APR on balance transfers.
Cashback, Simplicity
- Issuer – Citi
- Payment Gateway – Mastercard
- Credit Score – Good-Excellent
- Annual Fee – $0
- Intro APR – 0% for 18 months
- Regular APR – 19.24%–29.24%
- Sign In Bonus – N/A
- Best For – Everyday Users, Budget-Conscious
The Citi Double Cash® Card, issued by Citi, offers a simple yet rewarding cashback program. Its best feature is earning 2% cashback (1% on purchases and 1% on payments). It benefits users with no category restrictions, making it a versatile choice for everyday spending.
The card has no annual fee. Its unique feature is the ability to earn cashback twice. The credit limit depends on creditworthiness. A good credit score (670+) is required. No referral program, but it offers balance transfer options and fraud protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 5 percent total cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal through Dec. 31, 2025 | 3% foreign transaction fee |
| A decent sign up bonus | Up to 2 percent cash back on all eligible purchases (1 percent when you buy, plus another 1 percent when you pay off purchases) | 3% intro balance transfer fee ($5 minimum; 5 percent after the first four months) |
| Stellar flat cash back rate | Citi Entertainment Access | |
| Citi Flex Pay alternative installment payment plans for qualifying cardholders. |
Pros & Cons:
Pros
- Highest flat cashback rates available
- Does not charge an annual fee.
- Longest intro APR offers for balance transfers on a rewards card.
Cons
- You need to pay your balance to get the full rewards amount.
- A 3 percent foreign transaction fee makes this card a poor choice for purchases abroad.
- Unlike similar flat-rate cards, it doesn’t offer an introductory APR on new purchases.
Expert Advice
The Citi Double Cash card is certainly worth it if you’re looking for a flat-rate rewards card to use on its own or to supplement your existing credit card stack. It’s especially advantageous if you want long-term value over barebones balance transfer cards, but you need longer time to pay off your current debt than a standard rewards card provides.
The card has few negatives because there is no yearly charge. Although no initial APR on purchases may be a deal-breaker for less flexible debt consolidators, the earn-as-you-pay restriction may mean that it takes longer than other cards to get and redeem your benefits.
11. Citi Custom Cash® Card
The Citi Custom Cash Card is perfect for those who need to earn 5% coins lower back on their top spending class each month. This flexible card adapts to your spending behavior, making sure most cash-again capacity is available without any annual rate.
Cashback, Custom Rewards
- Issuer – Citi
- Payment Gateway – MasterCard
- Credit Score – Good/Excellent
- Annual Fee – $0
- Intro APR – 0% for 15 months
- Regular APR – 19.24%–29.24%
- Sign In Bonus – 20,000 ThankYou Points — worth $200 in cash back — after spending $1,500 in the first six months
- Best For – Everyday Users, High Spenders
The Citi Custom Cash℠ Card, issued by Citi, is perfect for category-specific spending. Its best feature is earning 5% cashback on your top eligible spending category each month. It benefits users by maximizing rewards in their most-used categories.
The card has no annual fee. Its unique feature is the rotating 5% cashback category. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers introductory APR on purchases and balance transfers.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Annual Fee | 5 percent cash back (on up to $500 each billing cycle, then 1 percent) on your top eligible spending category each billing cycle | 3 percent foreign transaction fee |
| World Elite Mastercard benefits | 4 percent cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal (through June 30, 2026) | 5 percent balance transfer fee or $5, whichever is greater |
| Citi Entertainment access to presale tickets | – | Citi Flex Pay alternative installment payment plans for qualifying cardholders |
Pros & Cons:
Pros
- High year-round rewards rate on top spending categories.
- No activation is needed—the bonus applies automatically.
- You can combine rewards with other Citi ThankYou cards.
Cons
- Low spending cap on bonus rewards.
- Only one category earns elevated cash back per cycle.
- Limited reward potential if used as a standalone card.
Expert Advice
The Citi Custom Cash Card is fantastically advocated for folks who need to earn five coins lower back on their top spending class every month. This card’s adaptability makes it ideal for human beings with varying spending habits without the hassle of monitoring categories.
12. Chase Freedom Flex®
The Chase Freedom Flex℠ Card offers various other benefits to the Chase cardholders, such as high cashback rewards on various purchases such as travel, dining, drug stores, gas stations, and many others.
Cash Back Rewards
- Issuer – Chase
- Payment Gateway – MasterCard
- Credit Score – Good/Excellent
- Annual Fee – $0
- Intro APR – 0% for 15 months
- Regular APR – 20.24%–28.99%
- Sign In Bonus – $200 after $500 spent in 3 months
- Best For – General Consumers, Budget Shoppers
The Chase Freedom Flex℠ Card is designed for everyday spending. Issued by Chase, it offers cash back on various categories and helps manage expenses efficiently. It provides flexibility in earning rewards.
The card has no annual fee and offers 5% cash back on rotating categories. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Annual Fee | 5% cash back on rotating categories | Charges 3% International Transaction Fee |
| Rotating Categories | 3% cash back on dining & drugstores | Charges 5% or $10 Cash Advance Fee |
| 5% Cashback on Travel Purchases | – | – |
| 5% Cashback on upto $1,500 Purchase in Quarterly Bonus Categories | – | – |
Pros & Cons:
Pros
- No annual fee.
- High cashback rewards.
- 0% intro APR for 15 months on purchases and balance transfers.
- Includes travel insurance benefits
Cons
- 3% fee on international transactions.
- Enroll quarterly in rotating categories to maximize rewards.
Expert Advice
The Chase Freedom Flex℠ Card is a great option for people who are interested in cashback rewards, including students. It does not charge any annual fee, and it charges 0% intro APR for 15 months. It offers approx 5% cashback rewards on upto $1,500 on combined purchases in quarterly bonus categories and many other additional cashbacks on different purchases such as dining at restaurants along with takeout, drugstore purchases, travel, and other purchases.
13. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is unique among Chase’s business credit cards because of its excellent features, no annual fee, top-tier introductory bonus, and limitless flat-rate rewards.
If you spend in particular categories, it may not be the best choice for your company. Even with an annual charge, cards with greater base reward rates in certain areas may be significantly more beneficial.
Business Cashback
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good/Excellent
- Annual Fee – $0
- Intro APR – 0% intro APR on purchases for 12 months
- Regular APR – 17.49% – 23.49% Variable APR
- Sign In Bonus – $750 bonus cash back after you spend $6,000 in the first 3 months from account opening.
- Best For – Small Business Owners
The Capital One Spark Classic for Business offers 1% cash back on all purchases. Issued by Capital One, it’s a straightforward option for small businesses.
With no annual fee and no foreign transaction fees, the card helps businesses manage their expenses efficiently. A fair credit score is required, and it includes tools for credit monitoring and budgeting.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Unlimited 1.5 percent cash back on all purchases | Free employee cards |
| 3 percent foreign transaction fees | 5 percent cash back on Lyft rides through March 2025 | Account alerts |
| 5 percent balance transfer fee (or $5, whichever is greater) | – | Cell phone protection |
| Late/returned payment fee: $40 | – | Travel and purchase protections, including roadside emergency service and primary rental car insurance |
Pros & Cons:
Pros
- No annual fee, ideal for businesses with smaller budgets.
- Points can be combined with other Chase cards for added value.
- Strong intro APR on purchases with a competitive ongoing APR.
Cons
- Other cards with bonus categories may offer higher rewards.
- No intro APR on balance transfers.
- High spending requirements for the welcome offer may be challenging for small businesses.
Expert Advice
The Chase Ink Business Unlimited credit card is a solid choice for company owners. It provides reasonable rewards, privileges, and first-year discounts, all without an annual cost. A 1.5 percent flat-rate cashback isn’t the greatest return rate available.
Still, the card’s flexible redemption choices, compatibility with Chase travel cards, and introductory APR on purchases make it especially useful for small company owners, particularly those just getting started. If you want to earn more money on your purchases, consider using a different card. Review your predicted company expenditure and compare the finest business card alternatives to get the one that best meets your needs.
14. Citi Rewards+® Card
The Citi Rewards+ Card is among the finest options for flexibility. Although its rewards rate for grocery and gas station purchases may not seem like the most generous at first, the card’s point roundup feature (up to the nearest 10 points) on all purchases and its 10% points back (for the first $100,000 points redeemed annually) make it one of the best options if you frequently make small purchases. Additionally, its travel incentives have a rapid point accumulation rate.
Rewards Points, Round-Up Points
- Issuer – Citibank
- Payment Gateway – Mastercard
- Credit Score – Good to Excellent
- Annual Fee – $0
- Intro APR – 0% for 15 months
- Regular APR – 19.24%–29.24%
- Sign In Bonus – 20,000 points after $1,500 spent in 3 months
- Best For – Everyday Spenders
The Citi Rewards+® Card, issued by Citi, is designed for small purchases. Its best feature is rounding up to the nearest 10 points on every purchase. It benefits users by amplifying rewards on everyday spending, making it ideal for frequent shoppers.
The card has no annual fee. Its unique feature is the 10% points redemption bonus. The credit limit depends on creditworthiness. A fair to good credit score (580+) is required. No referral program, but it offers purchase protection and extended warranty benefits.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | 5X points on a rental car, hotel, and attraction purchases booked through cititravel.com (ends 12/31/2025) | 3 percent foreign transaction fee |
| Generous sign up bonus | 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) | Late payment fee (see terms) |
| Citi Entertainment | 1X points on all other purchases | Return payment fees (see terms) |
| Digital wallet | 10 percent bonus points (on the first 100,000 points redeemed each year) | Point roundup feature |
| – | – | Mastercard benefits |
Pros & Cons:
Pros
- There is no annual fee, so you won’t have to cover this extra cost with your reward earnings.
- The points that you would earn on each purchase are rounded up to the nearest 10 points.
- You can earn 10 percent back of the first 100,000 points redeemed each year.
Cons
- There is a $6,000 cap for 2X supermarket and gas station purchases, which could limit your earning potential in your most lucrative categories.
- The card only earns basic ThankYou points that can’t be transferred to travel partners.
- Outside of the ThankYou Point features, the benefits are limited in comparison to other rewards cards.
Expert Advice
The Citi Rewards+ Card is a difficult sell if you don’t intend to combine it with another card, such as the Citi Strata Premier because there are alternative no-annual-fee cards that may offer limitless and more substantial rewards in a wider number of categories.
However, the earnings+ card offers special value on frequent smaller purchases since it allows you to round up your earnings to the next 10 points and earn back 10% of the first 100,000 points you redeem annually. Even if you currently have a specialized grocery card or one of the best gas credit cards, these two benefits combined make this card worthwhile to consider.
Table of Comparison
| Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate | Regular APR | Balance Transfer | Sign in Bonus | Decision Criteria |
|---|---|---|---|---|---|---|---|---|---|
| Citi Simplicity® Card | Mastercard | Entrepreneurs, Small Business Owners | Good to Excellent | $0 | 0% for 18 months | 18.24% – 28.99% variable | 19.24%–29.24% | N/A | Best for those needing simplicity in managing existing debt. |
| Wells Fargo Reflect® Card | Visa | General Consumers | Good | $95 | 0% intro APR for 21 months from account opening | 17.24%, 23.74%, or 28.99% Variable APR | 17.24%, 23.74%, or 28.99% Variable APR | N/A | Best for a long intro APR on purchases and balance transfers |
| Capital One Savor Cash Rewards Credit Card | Mastercard | Food enthusiasts, High Spenders | Excellent | $0 | 0% for 12 months | 19.24%-29.24% Variable | 19.24%-29.24% Variable | $200 Cash Back after you spend $500 on purchases within 3 months from account opening | Best for dining and entertainment rewards |
| Wells Fargo Active Cash® Card | Visa | Individuals Seeking Cash Back | Good to Excellent | $0 | 0% Intro APR for 15 months from account opening on purchases and qualifying balance transfer | 19.24% to 29.24% Variable APR | 19.24% to 29.24% Variable APR | $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. | Best for flat-rate cash back on all purchases |
| Chase Freedom Unlimited® | Visa | General Consumers | Good – Excellent | $0 | 0% for 15 months | 20.24%–28.99% | 20.24%–28.99% | $200 after $500 spent in 3 months | Best for versatile cash back with no annual fee |
| Blue Cash Everyday® Card from American Express | AMEX | Budget-Conscious, Families | Good/Excellent | $0 | 0% for 15 months | 19.24%–29.99% | 19.24%–29.99% | $200 statement credit after $2,000 spent in 6 months | Excellent for budget-conscious customers searching for no yearly fee and consistent rewards on everyday internet purchases. |
| Citi® Diamond Preferred® Card | Mastercard | Balance CarriersLow-Interest Seekers | Good/Excellent | $0 | 0% for 12 months | 19.24%–29.24% | 19.24%–29.24% | N/A | Best for balance transfers with a long 0% intro APR |
| Capital One VentureOne Rewards Credit Card | Mastercard | Occasional TravelersHeavy Travelers | Good/Excellent | $0 | 0% intro APR on purchases for the first 15 months | 19.24% – 29.24% (Variable) | 3% for the first 15 months | 20,000 bonus miles if you spend $500 within the first three months | Best for travel rewards with no annual fee |
| Discover it® Cash Back | Discover | Everyday Spenders | Good/Excellent | $0 | 0% intro APR for 15 months on purchases and balance transfers | Variable APR of 18.24% – 27.24%. | 3% intro balance transfer fee | All cash back earned at the end of the first year is matched. | Best for rotating 5% cash back categories |
| Citi Double Cash® Card | Mastercard | Everyday UsersBudget-Conscious | Fair to Excellent | $0 | 0% intro APR for 18 months on balance transfers | 18.24% to 28.24% variable APR | A balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening | Best for earning up to 2% cash back on every purchase |
| Citi Custom Cash® Card | Mastercard | Everyday UsersHigh Spenders | Good to Excellent | $0 | 0% for 15 months | 19.24%–29.24% | 5 percent balance transfer fee | 20,000 ThankYou Points — worth $200 in cash back — after spending $1,500 in the first six months | Best for automatic bonus cash back in the top spending category |
| Chase Freedom Flex® | Mastercard | General ConsumersBudget Shoppers | Good-Excellent | $0 | 0% for 15 months | 20.24%–28.99% | 20.24%–28.99% | $200 after $500 spent in 3 months | Best for 5% cash back on select rotating categories and travel through Chase |
| Ink Business Unlimited® Credit Card | Visa | Small Business Owner | Good/Excellent | $0 | 0% intro APR on purchases for 12 months | 17.49% – 23.49% Variable APR | 5% balance transfer fee (or $5, whichever is greater) | $750 bonus cash back after you spend $6,000 in the first 3 months from account opening. | Best for small business owners seeking unlimited cash back |
| Citi Rewards+® Card | Mastercard | Everyday Spenders | Good to Excellent | $0 | 0% for 15 months | 19.24%–29.24% | 19.24%–29.24% | 20,000 points after $1,500 spent in 3 months | Best for earning bonus points on small purchases |
Methodology
When choosing a credit card with a 0% introductory APR offer, consider:
- A long promotional period.
- Generous rewards.
- Additional benefits such as purchase protection and flexible redemption options.
These cards are useful for:
- Financing significant purchases.
- Consolidating debt without incurring interest during the introductory period.
Popular options for long 0% intro APR terms on purchases and debt transfers:
- Citi Simplicity® Card
- Wells Fargo Reflect® Card
Cards that offer a mix of rewards and interest-free financing:
- Chase Freedom Unlimited®
- Citi® Diamond Preferred® Card
These cards help consumers save money on interest while also earning cashback or points.
Choosing Credit Cards for 0% APR Offers
Take into account the following factors when selecting a credit card that offers 0% APR:
- Duration of the 0% APR Period: Some credit cards have longer interest-free periods, typically 12 to 21 months, for purchases or debt transfers.
- Balance Transfer Fees: Verify whether the card charges a balance transfer fee, which is usually between 3% and 5% if you are transferring debt.
- Ongoing Interest Rate: If you want to carry a balance after the 0% APR term expires, it’s critical to understand the rate because the usual APR will then apply.
- Additional Benefits: Some 0% APR credit cards come with cashback, incentives, or other perks that might be worth more.
Cards you may consider:
Wells Fargo Reflect® Card
- 0% Intro APR: Purchases and balance transfers for a maximum of 21 months (with an extension contingent on timely payments).
- Transfer fee for balances: 5% (minimum $5).
- Ideal for: People who want a lengthy 0% APR period for debt repayment or major expenditures.
The Citi Simplicity® Card
- 0% Preface APR: 12 months for purchases, 21 months for balance transfers.
- No penalties or late fees. APR: Perfect for people who like flexible payment terms.
- Ideal for: People seeking a debt transfer card with no annual percentage rate penalty.
Why do you need a Credit Card for 0% APR Offers?
A credit card with 0% APR may be an effective financial instrument, especially when utilized carefully. These cards offer interest-free time for purchases, balance transfers, or both, allowing you to manage your spending without worrying about accruing interest. A 0% APR card can benefit you in a variety of ways, whether you’re planning a large purchase, consolidating debt, or simply needing more financial freedom.
- To Reduce Interest on Big Purchases: You may spread out payments on expensive things with a 0% APR card and avoid paying additional interest. For instance, Chase Freedom Unlimited® is helpful for planned spending because it provides 0% initial APR on purchases for 15 months.
- To Pay Off and Consolidate Current Debt: You may pay off debt more quickly by transferring balances from high-interest credit cards to a card with 0% APR. The Citi Simplicity® Card is an excellent choice for people who want to lower their interest expenses because it provides 21 months of 0% APR on balance transfers.
- To Manage Short-Term Cash Flow: A 0% APR card can assist in covering unforeseen costs without putting you under immediate repayment pressure if you require financial flexibility.
Do Credit Cards offer Cards for 0% APR Offers?
Yes, a lot of credit card companies offer 0% APR on purchases, debt transfers, or both. Usually, these promotional periods last between 12 and 21 months. However, a conventional annual percentage rate (APR) is applied when the intro period finishes, so having a repayment plan in place is crucial. While some cards, like the Chase Freedom Flex®, provide benefits in addition to a 0% APR offer, others, like the Citi® Diamond Preferred® Card, concentrate on lengthy balance transfer periods.
How Do Credit Cards with 0% APR Offers Help?
Credit cards with 0% APR offers are a great way to manage your finances since they allow a brief period of interest-free use. They let you deal with unforeseen costs, settle debt, and make purchases without incurring interest. A card like American Express’s Blue Cash Everyday® Card, for example, allows you to pay off large purchases over time while accruing points. Similar to this, the Citi Double Cash® Card may be helpful if your goal is to pay off current debt because it gives cash back on purchases in addition to 0% APR on balance transfers.
Advantages of Credit Cards with 0% APR Offers
| Advantages | Description |
|---|---|
| Interest-Free Period | Allows you to make purchases or transfer balances without paying interest for a set time. |
| Debt Consolidation | It helps pay off high-interest debt faster by transferring balances to a 0% APR card. |
| Financial Flexibility | Provides a cushion for managing unexpected expenses without immediate interest charges |
| Savings on Big Purchases | Spreads out payments on expensive items without adding interest costs. |
| Potential for Rewards & Perks | Some 0% APR cards also offer cash back, travel rewards, or other perks. |
| No Annual Fee (in many cases) | Many 0% APR cards come with no annual fee, making them cost-effective. |
Frequently Asked Questions
What does a credit card offer of 0% APR mean?
With a 0% APR deal, you may transfer balances or make purchases for a predetermined amount of time—usually 12 to 18 months—without having to pay interest. Following the conclusion of the promotional period, the standard APR is applicable.
What is the duration of the 0% APR offer?
Depending on the card, the 0% APR offer usually lasts 12 to 18 months. For instance, the Citi Simplicity® Card provides 0% APR for 18 months on purchases, and the Wells Fargo Reflect® Card offers 0% APR for 18 months on purchases and debt transfers.
Can I transfer balances using the 0% APR offer?
In addition to purchases, a number of cards, such as the Citi® Diamond Preferred® Card and the Wells Fargo Active Cash® Card, provide a 0% annual percentage rate (APR) on balance transfers for a specific amount of time.
Does the 0% APR deal have any costs attached to it?
Although there are no interest charges during the introductory period with a 0% APR deal, certain cards may impose balance transfer fees, which typically range from 3% to 5% of the transferred amount. Verify the terms for the particular card.
What occurs after the 0% APR term is over?
Any leftover debt will be subject to interest at the usual APR, which varies from 14% to 25%, depending on the card, once the introductory 0% APR period ends.