Best 0% APR Card

BankAmericard® credit card

BankAmericard® credit card

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BankAmericard® credit card

0% Intro APR
18 months
18 months on new purchases and balance transfers made in the first 60 days
Bonus ?$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
$100
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
12.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
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Best Balance Transfer Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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Citi® Diamond Preferred® Card

0% Intro APR
21 months
0% APR for 21 months for balance transfers
12 months
0% APR for 12 months for new purchases
Bonus ?No current offer
No current offer
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.74% - 23.74% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
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Best Student Credit Card

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on travel purchased through Chase Ultimate Rewards
3%
Earn 3% on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Bonus ?$200 Bonus after you spend $500 on purchases in your first 3 months from account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.99% - 24.74%% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 24.74%
  • No annual fee
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Best Cash Back Card

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

0% Intro APR
15 months
0% APR for 15 months on new purchases
Bonus ?$200 statement credit after spending $2,000 in the first 6 months
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.49% - 25.49% Variable
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • Rates and Fees
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Best Balance Transfer Card

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

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U.S. Bank Visa® Platinum Card

0% Intro APR
20 months
20 billing cycles on new purchases and balance transfers
Bonus ?-
-
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.49% - 24.49% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%
  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply
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Best Business Card

Citi® Double Cash Card

Citi® Double Cash Card

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Citi® Double Cash Card

Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Bonus ?N/A
N/A
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
  • To earn cash back, pay at least the minimum due on time
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer
    (minimum $5)
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
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Summary: Best 0% APR Credit Cards of July 2022

Credit Card Best For Annual Fee Intro Bonus Credit Score
Best 0% APR Card $0 $100 Good to Excellent (670-850) Compare Cards

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Best Balance Transfer Card $0 No current offer Good or Excellent (670-850) Compare Cards

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Best Student Credit Card $0 $200 Good or Excellent (670-850) Compare Cards

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Best Cash Back Card $0 $200 Good to Excellent (670-850) Compare Cards

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Best Balance Transfer Card $0 - Good to Excellent (670-850) Compare Cards

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Best Business Card $0 N/A Good or Excellent (670-850) Compare Cards

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