Zero-interest credit cards (or 0% intro APR credit cards) allow you to make payments without interest charges on purchases, balance transfers, or both for a set period. After the introductory period expires, a predetermined interest rate will begin to be paid. Thus, the total cost (excluding fees) is applied to the balance.

The best no-interest credit cards advertise long promotional APR periods, typically between 14 and 21 months, and can save you hundreds or thousands of dollars in interest.

Benefits of 0% APR credit cards

· interest savings
· Few fees or annual fees
· Ideal for improving scores when used wisely

Frequent questions

How to choose a 0% APR credit card?

0% APR credit cards are ideal when you want to finance home improvements, car expenses, medical bills, or big-ticket vacations since they can give you time to pay off your big purchase (usually 12-18 months) without incurring interest charges.

Also, if you have high-interest credit card debt, you can transfer it to a credit card that offers a 0% introductory APR on balance transfers. This will allow you to reduce the deficit, but you must be aware of possible balance transfer fees.

What credit score do I need to apply for?

Generally, 0% APR requires a credit score between good (670 to 739) and excellent (740 to 850). Some APR cards accept less credit and no credit history, but their deals could be better.

What happens when the introductory period ends?

After the 0% introductory period ends, interest will be charged on any remaining balance on your credit card. That interest will continue to accrue until you can pay the balance in full.

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Associated credit card categories

Good Credit


Excellent Credit


Low Interest