Best 0% APR Credit Cards: Save on Interest with These Top Picks

A 0% APR credit card can be a powerful tool for managing debt, making large purchases, or avoiding interest while paying off balances. In 2025, many credit card issuers offer promotional 0% APR periods, but not all cards are created equal. Here’s a look at the best options and how to maximize their benefits.

1. What is a 0% APR Credit Card?

A 0% APR credit card offers an introductory period (typically 12-21 months) during which you won’t pay interest on purchases, balance transfers, or both. This can help you save money and pay off debt faster.

2. Best 0% APR Credit Cards in 2025

1. Chase Freedom Unlimited®

• Intro APR: 0% for 15 months on purchases and balance transfers.
• Ongoing APR: Variable 20.24%-28.99%.
• Rewards: 1.5% cashback on all purchases, 5% on travel booked through Chase.
• Best For: Everyday spending and rewards while enjoying 0% APR.

2. Citi Simplicity® Card

• Intro APR: 0% for 21 months on balance transfers, 12 months on purchases.
• Ongoing APR: Variable 19.24%-29.99%.
• No Late Fees: No penalties for missed payments.
• Best For: Longest balance transfer period with no annual fee.

3. Wells Fargo Reflect® Card

• Intro APR: 0% for up to 21 months on purchases and balance transfers.
• Ongoing APR: Variable 18.24%-27.99%.
• Additional Benefits: Free cellphone protection when paying your bill with the card.
• Best For: Extended interest-free period and added perks.

3. How to Use a 0% APR Card Wisely

• Pay Off Your Balance Before the Intro Period Ends: Avoid high interest charges once the promotional period expires.
• Make More Than the Minimum Payment: Ensure you pay down your debt faster and improve your credit score.
• Avoid New Debt: Don’t overspend just because there’s no interest—stick to a repayment plan.
• Watch Out for Balance Transfer Fees: Some cards charge 3%-5% for balance transfers, so factor this into your cost savings.

4. Who Should Get a 0% APR Credit Card?

• People with Existing Credit Card Debt: A balance transfer can help consolidate and pay down debt interest-free.
• Those Making Big Purchases: Finance large expenses without accumulating interest.
• Anyone Looking to Improve Cash Flow: Avoid high interest on short-term expenses.

Final Thoughts

A 0% APR credit card can be a smart financial tool if used correctly. Whether you’re looking to save on interest for everyday spending, consolidate debt, or make a large purchase, choosing the right card can make a huge difference.

Would you like recommendations on cards with no balance transfer fees or cashback rewards?