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Best 0% APR Credit Cards of December 2023

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 percent introductory APR on purchases for 12 months and on balance transfers for 21 months
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.
17.99% – 28.74% (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 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 17.99% – 28.74%, 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.
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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

Rewards Rate
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
Bonus ?Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within 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.
18.99% - 29.99% 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.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% - 29.99% Variable variable APR.
  • 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%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
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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
18 billing cycles
0% intro APR for 18 billing cycles on purchases
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.
19.49%-29.49% (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

  • Limited Time Offer!
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.49% - 29.49%.
  • 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.
  • Choose a payment due date that fits your schedule
  • No Annual Fee
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions 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 ?0% intro for 18 months on Balance Transfers
0% Intro
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.
18.99% - 28.99% (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.
Fair to Excellent

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 18.99% - 28.99%, 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).
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Summary: Best 0% APR Credit Cards of December 2023

Credit Card Best For Annual Fee Intro Bonus Credit Score
Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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

on creditcards.com

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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

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U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

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

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Citi® Double Cash Card

Citi® Double Cash Card

Best Business Card $0 0% Intro Fair to Excellent Compare Cards

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