Best 0% APR Credit Cards in December 2024

This card lets you earn 5% cash back on up to $500 spent in your highest eligible spending category each billing cycle (then 1% thereafter). While the $500 cap is a bit limiting, it resets every billing cycle, and you don’t have to keep track of rotating 5% categories. The card also offers a 0% for 15 months intro APR rate and balance_transfer_intro_apr,balance_transfer_intro_duration intro balance transfer rate.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

The card_name is one of the best 0% APR credit cards thanks to its generous cash back, intro APR, and welcome offer. It has a bonus_miles_full and a balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration.

Introductory Offer:

• Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), which can add up to $300 in cash back!
• 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Intro Card Rewards:

• 6.5% cash back on travel booked through Chase Travel℠, our top-tier rewards program where you can redeem for cash back, travel, gift cards, and more.
• 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• 3% cash back on all other purchases (up to $20,000 spent in the first year).

After the First Year or $20,000 Spent Card Rewards:

• 5% cash back on travel booked through Chase Travel℠.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services.
• Unlimited 1.5% cash back on all other purchases.

Additional Benefits:

• No minimum to redeem for cash back. Choose a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards never expire as long as your account is open!
• No annual fee – Enjoy all the great features of your Freedom Unlimited® card without paying an annual fee.
• Credit Monitoring – Keep track of your credit health with Chase Credit Journey, offering free access to your latest score, alerts, and more.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

This card might be the right choice if you want a travel card with annual_fees annual fee and don’t mind booking through Capital One Travel. With this card, you earn five miles per dollar spent on travel booked through Capital One as well as 1.25 miles on all other purchases without any limits. There is also a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration.

Introductory Offer:

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles after spending $500 on purchases within the first 3 months from account opening, equivalent to $200 in travel
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that (balance transfer fee applies)

Card Rewards:

• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account, with no limit on how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options

Additional Benefits:

• Use your miles to get reimbursed for any travel purchase, or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name is a great choice for most consumers in the U.S. That’s because it earns 3% back on up to $6,000 spent per year in each of the following categories: gas, groceries, and online purchases. The card also comes with a balance_transfer_intro_apr,balance_transfer_intro_duration (Rates & Fees), an $84 Disney bundle credit, a $180 Home Chef credit, and $200, providedyou spend $2,000 in purchases in the first six months.

Introductory Offer:

• Receive a $200 statement credit after spending $2,000 on your new Card within the first 6 months.
• No Annual Fee.
• Benefit from 0% introductory APR on purchases and balance transfers for 15 months from account opening. After that, the APR will be variable, ranging from 18.49% - 29.49%.

Card Rewards:

• Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1% thereafter.
• Get 3% Cash Back on U.S. online retail purchases, up to $6,000 per year, then 1% thereafter.
• Enjoy 3% Cash Back at U.S. gas stations on up to $6,000 per year, then 1% thereafter.
• Cash back is received as Reward Dollars, which can be redeemed as a statement credit or at Amazon.com checkout.

Additional Benefits:

• Considering the Disney Bundle (Disney+, Hulu, and ESPN+)? Get $7 back each month as a statement credit after spending $9.99 or more on an eligible subscription (subject to auto-renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Receive up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto-renewal) with your enrolled Blue Cash Everyday® Card.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

Terms Apply.

Fees:

• Balance transfer fee: balance_transfer_fees
• No Annual Fee.
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

card_name is the best choice if you want the longest period with no APR. Not only does it have a balance_transfer_intro_apr,balance_transfer_intro_duration, but there are also no late fees and no penalty APR. In addition, there is a intro_apr_rate,intro_apr_duration from the date of account opening.

• No Let Fees, No Penalty Rate, and No Annual Fee... Ever
• 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 19.24% - 29.99% based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• 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).
• Stay protected with Citi® Quick Lock
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

If your main concern is having the longest 0% APR period possible for both balance transfers and purchases, this card might be the right choice. It has a U.S. Bank Visa Platinum® Card. However, it doesn’t earn rewards and there’s no welcome offer.

• For a limited time, get our best rate: 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, the APR is variable, currently 17.99% to 28.99% variable
• $0 annual fee
• View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.
• Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.
• Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.
• Get tools to help keep you informed of threats that may affect your identity.
• Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee