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Best 0% APR Credit Cards

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Chase Freedom Unlimited®

The Chase Freedom Unlimited Card is a great option for people looking for a go-to card that offers both simple rewards and some opportunities to earn extra cash back on everyday purchases. View More >

Quicksilver Rewards From Capital One

The Capital One® Quicksilver® Cash Rewards Credit Card is a good card for those who prefer to keep their earnings simple. This card has a flat-rate earning of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum. However, the Quicksilver rewards aren’t quite as flexible as its competitors, so if you plan to expand your portfolio at some point then you may want to consider a different card. View More >

Bank of America® Travel Rewards

A simple points structure, no annual fee, an intro APR offer, and a hefty signup bonus make the Bank of America® Travel Rewards credit card our top pick for travel rewards. You’ll get 1.5 points for each dollar spent and an additional 1.5 points — a total of 3 points — on noninsurance purchases made through the Bank of America Travel Center. View More >

Blue Cash Everyday® Card

Most balance transfer credit cards aren’t geared for much more than balance transfers. With this card from American Express, you may be able to get everyday value with responsible use, even after you pay off your balance transfer. View More >

Citi® Diamond Preferred® Card

If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections. View More >

Bank of America® Cash Rewards Credit Card

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories. View More >

American Express Cash Magnet

The American Express Cash Magnet is a reasonable choice for earning flat-rate cash back on all your purchases. View More >

0% APR Credit Cards For Earning Rewards: American Express >>

Get your weekly shopping done with the Blue Cash Everyday® Card from American Express (Review), and you’ll also get a long intro period to help you pay down any big purchases on the horizon.

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Blue Cash Preferred® Card from American Express

The upgraded version of the highly rewarding Blue Cash Everyday from American Express, the Preferred card offers even more cash back at U.S. supermarkets and U.S. gas stations. It does however come with a $95 annual fee, but you might hardly notice it after taking advantage of the handy benefits and high cash back value the card provides.
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American Express Cash Magnet® Card

This card’s perks are especially impressive considering it charges no annual fee. Among other benefits, you’ll enjoy free shipping at dozens of online stores with a complimentary ShopRunner membership and a chance at no-interest financing through Amex’s “Pay It Plan It” program.
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Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a solid rewards card, offering cash back at U.S. supermarkets and U.S. gas stations, as well as a valuable statement credit. It comes with some handy benefits too, like access to Amex Offers and some shopping/travel protections. And as an added bonus, it carries no annual fee.
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Amex EveryDay® Credit Card

The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).
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American Express Cash Magnet

The American Express Cash Magnet is a reasonable choice for earning flat-rate cash back on all your purchases.
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0% APR Credit Cards For Earning Rewards: Capital One >>

The Capital One® Quicksilver® Cash Rewards Credit Card (Review) is a pretty standard cash back card, although the current intro bonus has a fairly low spending requirement.

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Capital One QuicksilverOne® Cash Rewards

The Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5-percent cash back on every purchase and easily makes up for the card’s annual fee.
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Quicksilver Rewards From Capital One

The Capital One® Quicksilver® Cash Rewards Credit Card is a good card for those who prefer to keep their earnings simple. This card has a flat-rate earning of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum. However, the Quicksilver rewards aren’t quite as flexible as its competitors, so if you plan to expand your portfolio at some point then you may want to consider a different card.
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Chevrolet BuyPower Card from Capital One®

This card is also part of the World Elite MasterCard program which includes additional travel insurance and purchases protection benefits. For example, cardholders receive a price protection policy that refunds the difference if a lower price is found within 120 days of purchase. It also includes an extended warranty coverage that doubles the manufacturer’s warranty for purchases up to one year (except on a vehicle purchase). When traveling, cardholders are covered by rental car insurance and trip cancellation insurance, and they have access to travel and entertainment discounts with MasterCard’s Priceless Cities program.High rewards rates for a card with no annual fee Introductory APR
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Journey® Student Rewards from Capital One®

If you’re a student with a limited credit history, the Journey Student Credit Card from Capital One is like taking an introductory course in the credit world. Your credit line will likely start off low, but the good news is you can graduate to a higher credit limit fairly quickly if you play your cards right. While some other student cards in this category offer reward programs with higher cash-back rates or other perks like introductory APR periods or sign-up bonuses, those programs may feel a bit advanced for “credit freshmen” to manage. Capital One’s card keeps it simple for those beginning their educational credit journey.
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Capital One® VentureOne® Rewards Credit Card

The Capital One VentureOne Rewards is a general-use card that offers 1.25X miles per dollar on all purchases, and you can exchange those miles at a number of airline loyalty programs where you may find a higher value.
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Capital One® SavorOne® Cash Rewards Credit Card

Need to transfer a balance? And what about food: Do you eat it? If you said “yes” to both, you might like the Capital One® SavorOne® Cash Rewards Credit Card (Review).
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0% APR Credit Cards For Earning Rewards: Chase >>

The Chase Freedom® (Review) delivers 5% cash back in categories that rotate throughout the year, giving you some interest-free time to pay for a variety of different expenses. Consider buying gift cards at eligible retailers to help max out your quarterly spending.

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers an unusual amount of value for the price. A good pick for both frequent flyers and occasional travelers, the card not only has a solid rewards program and a mammoth sign-up bonus, but it also includes some of the most generous travel insurance benefits you’ll find for a card with an annual fee of less than $100.
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Chase Freedom Unlimited® credit card

The Chase Freedom Unlimited® offers a compelling combination of easy-to-learn rewards, flexible redemption options, a solid sign-up bonus, and a lengthy 0% introductory APR period — all for an annual fee of $0. Although the card has done away with its splashy 3% introductory rewards rate, its other features still put it at the top of the class among 1.5% cash back cards. And if you carry other credit cards that earn Chase Ultimate Rewards® points, it packs even more value.
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AARP® Credit Card From Chase

You might know that AARP stands for the American Association of Retired Persons, but you probably don’t realize the AARP Rewards Credit Card stands to help qualified applicants of any age save money on everyday expenses. More specifically, the AARP Rewards Card is available to anyone with good credit or better, regardless of AARP membership (which costs $16 per year). And it offers 3% back at gas stations and restaurants plus a 1% base earning rate to supplement the $100+ initial bonus that you’ll receive for spending at least $500 within three months of account opening. That’s a pretty good deal, especially when you consider that the total package would net the average person roughly $1,100 over the first two years of use.
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Chase Freedom®

This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
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Chase Sapphire Reserve Card Review

If you have excellent credit and spend a lot of money on dining and travel, this credit card could be great for you. Once you’ve earned your travel credit, you’ll break even on the annual fee as long as you spend $16,667 per year (or about $1,389 a month) on any combo of travel and dining purchases, assuming you redeem your points for 1.5 cents each in the travel portal. That’s not hard for many people who travel frequently or with family.
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Chase Slate Credit Card

The Chase Slate credit card is one of Chase’s more affordable credit card options. It carries no annual fee, offers cardholders free access to their credit score along with a summary of their Experian credit report, and it features an introductory APR and a $0 Intro fee on transfers made within 60 days of account opening. That’s it. Simple, helpful and low cost.
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0% APR Credit Cards For Earning Rewards: Citi >>

An interesting card with a unique round-up feature, the Citi Rewards+℠ Card (Review) offers bonus points at supermarkets and gas stations along with its lengthy 0% rate. You’ll also get 10% of your points back each year, for the first 100,000 points redeemed — a small bonus, but it could add up over time.

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Citi® Secured Mastercard

The Citi Secured Mastercard is one of the best secured cards on the market, largely because it does not charge an annual fee. Only a handful of other credit cards enable you to rebuild your credit as inexpensively.
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Citi Premier℠ Card

The Citi Premier℠ Card costs $95 a year starting the second year. For most, it’s the option that’s just right. Points give you lots of flexibility, as you can redeem them for a variety of travel rewards. And if you redeem them through the ThankYou® Travel Center, they’re worth 25% more. If you’re a frequent American Airlines flyer, you might like one of Citibank’s co-branded airline cards
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Citi Simplicity® Card

This is a simple card with no annual fee that offers an excellent intro APR on both purchases and balance transfers. If you want to get rid of the debt you’ve accumulated from other credit cards, this could be the Citibank card for you.
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Citi® Double Cash Card

The Citi® Double Cash Card is a no-annual-fee favorite. With a flat cashback rate on all purchases and a bonus amount added as you pay them off, you’ll find simple and strong rewards. Citibank occasionally offers an intro APR on balance transfers. When it does, you’ll typically find an impressive promotion.
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Citi® Diamond Preferred® Card

If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections.
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Citi Rewards+℠ Card

With the Citi Rewards+℠ Card, you can make the most of your everyday purchases by earning double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. You can redeem for things like gift cards or for travel rewards. One of Citi's best rewards credit cards, the Citi Rewards+℠ Card gives you all this with a low introductory APR and no annual fee.*
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Citi Prestige Credit Card

The Citi Prestige Credit Card is a premium travel rewards card that pays premium rewards, a big sign-up bonus, and outstanding, luxury travel perks. The tradeoff? There’s a $495 annual fee.
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0% APR Credit Cards For Earning Rewards: Discover >>

You’ll have a pair of great features with the Discover it® Cash Back (Review): A nice intro rate plus excellent 5% cash back categories, which rotate every three months. You’ll need to activate those categories, and you’re limited to $1,500 in spending per quarter at the 5% rate.

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Discover it® Secured

Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
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Discover it® Miles

Discover it® Miles is a very good travel rewards credit card, especially the first year. Instead of giving new cardholders a few hundred dollars in rewards for spending thousands within a few months of opening an account, as is common with some of the best rewards cards, Discover it Miles doubles all the miles you earn the first year as an anniversary gift.
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Discover it® Balance Transfer

The Discover it® Balance Transfer card is an elite 0% interest credit card for people with good credit or better. It offers 0% for 18 months on balance transfers and 0% for 6 months on new purchases, followed by a regular APR of 13.49% - 24.49% (V), depending on creditworthiness. The balance transfer fee is 3% intro (5% after), but like all other Discover credit cards, Discover it® Balance Transfer has no annual fee and no foreign transaction fee.
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Discover It® Student Cash Back

This Discover student credit card gives 1% - 5% cashback on purchases and features both a $0 annual fee and a 0% foreign transaction fee. Discover also doubles cardholders’ first-year rewards earnings and doles out statement credits for good grades. As a result, the Discover it® Student Cash Back card is in the top tier of credit cards for college students with limited credit. But it’s not for everyone.
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Discover It® Student Chrome

If you are on the go, the Discover it® Student chrome may be a better option for you. It will allow you to earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter. No sign-ups or activation here. You simply shop and earn cashback. All other purchases will earn a 1% cash back automatically.
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Discover it® Cash Back

As far as no annual fee cash back cards go, the Discover it® Cash Back ranks among the best. You’ll get 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter (then 1%; activation required). And Discover will double that for your first year! There’s also a solid 0% introductory APR for purchases and balance transfers.
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View More 0% APR Credit Cards For Earning Rewards: Discover >>

Editing method and disclaimer

All the credit cards recommended by iCompareCards come from our editorial team to organize and summarize through the real feedback of users on the Internet and the evaluation results of other professionals. We do not charge any fees from the recommended credit card issuers, we do our best to ensure the validity of the recommendations, but it does not ensure that we fully meet your needs and the accuracy of the information. When you make a decision with reference to the credit card information recommended on this website, the information of the credit card issuer shall prevail, and we declare that we will not bear any responsibility and consequences.