Best APR 0% Credit Cards 2021

Updated March 05, 2021
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Best pick for...
Wells Fargo Platinum Card
Capital One SavorOne
Citi Diamond Preferred®
American Express Cash Magnet®
American Express Blue Cash Everyday®
Barclays Bank Delaware Mastercard® Gold Card™
Citi Double Cash
Discover Bank Discover it® chrome
Discover Bank Discover it® Student Cash Back
Wells Fargo Wells Fargo Propel American Express®

Best Credit Cards for APR 0 in March 2021

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Platinum Card Wells Fargo
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • Longest Intro APR on purchases:
    • Longest Intro APR for 18 months from account opening on purchases.
    • Longest Intro APR on balance transfer:
    • Longest Intro APR for 18 months from account opening on qualifying balance transfers.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% introductory APR for 18 months from date of account opening.
  • Regular APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Balance Transfer APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Issuer name:
    Wells Fargo
  • Details:

    Platinum Card Wells Fargo has protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, cell phone protection.

    My Money Map tools help you to manage spending and create a budget with ease.

    Access to your FICO® Credit Score with Wells Fargo Online.

  • Pros:
    • Free Credit Score
    • Annual fee 0%
    • Paying down balances
    • Emergency card replacement
  • Cons:
    • No rewards or a signup bonus
    • Complicated balance transfer fee system
    • 3% foreign transaction fee
  • Benefits:
    • Auto rental collision damage waiver;
    • Roadside dispatch;
    • Travel accident insurance;
    • Travel and emergency assistance services;
    • Cell phone protection.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash Bonus Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Diamond Preferred® Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer .
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for 18 months from date of account opening.
  • Regular APR:
    14.74% - 24.74% Variable.
  • Balance Transfer APR:
    14.74% - 24.74% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi Diamond Preferred Card comes with 0% introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

  • Pros:
    • 0% Intro APR for 18 months
    • Flexible payment due date
    • No annual fee
    • Free access to FICO® score
    • Balance transfer
    • Low interest
    • Purchase protection
  • Cons:
    • Balance transfer fee of 3 percent (or $5, whichever is higher)
    • Foreign transaction fee of 3 percent
    • No rewards program
    • Late payment fees
  • Benefits:
    • Digital Wallets;
    • Low APR for cardholders with excellent credit;
    • Citi Entertainment. Special access to purchase tickets to thousands of events,sporting events, dining experiences and more.
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Cash Magnet® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    • $200 Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • Automatic cash back on all purchases
    • Straightforward cash back plan with no activation required
  • Cons:
    • Cash back rate is lower in some categories compared to other cards
    • Foreign transaction fees
    • Low Welcome offer
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    • $200 Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $150 Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • Annual fee 0%
    • Solid cash back at U.S. supermarkets and U.S. gas stations
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • The balance transfers are not available to new customers
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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Mastercard® Gold Card™ Barclays Bank Delaware
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Value for Airfare Redemptions. 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions.
    • 2% Value for Cash Back Redemptions. Cash Back can be deposited directly into a US bank account or applied as a statement credit.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $995 annually ($295 for each Authorized User added to the account).
  • Purchase Intro APR:
    None
  • Regular APR:
    14.99% Regular APR.
  • Balance Transfer APR:
    14.99% Regular APR.
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Mastercard® Gold Card™ offers an opportunity to snag one of these elite cards without VIP status. The Mastercard Gold is the top-of-the-line card from Barclays’ luxury card trio and the living picture of a status symbol — it’s a 24K gold-plated stainless steel credit card that weighs in at a hefty 22g (four more grams than other premium cards like The Platinum Card® from American Express).

    You’ll get $200 in airline credits each year, plus luxury perks like personal concierge service, airport escorts, $100 in credit for Global Entry or TSA Precheck application fee and access to the Luxury Travel Program for travel benefits at select hotels.

    Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.

    The Luxury Card™ Mastercard® Gold Card™ is one of the most opulent cards around, with a weighty $995 annual fee to boot.

    Experience 24/7 customer service assistance with Lost and Stolen Card reporting, Emergency Card Replacement, and Emergency Cash Advance.

    The card earns 1 point per dollar spent. Points are worth 2 cents apiece for both airfare redemptions and cash back and 1 cent apiece for other redemptions.

    For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than 210 countries and territories.

    Enjoy greater freedom with no foreign transaction fees on purchases made while traveling abroad.

  • Pros:
    • Luxury travel benefits
    • Annual Airline Credit
    • Lost Luggage Reimbursement
    • Emergency card replacement
    • No Foreign Transaction Fees
    • Low interest
    • Global Acceptance
    • Fraud Coverage
    • Unlimited 2 cent-per-point redemption for cash back and airfare through Loyalty Edge
    • 15-billing cycle, 0 percent intro APR for balance transfers made within the first 45 days
  • Cons:
    • Must spend nearly $50,000 each year to just offset the annual fee
    • Purchase protections and airline credit coverage valued at less than those from travel cards with half the annual fee
    • Rewards might also not be as valuable as the points from lower-priced cards
  • Benefits:
    • Patented Card Construction;
    • $200 annual airline credit;
    • $0 Fraud Liability Protection;
    • Mastercard ID Theft Protection;
    • Mastercard Global Service;
    • No Foreign Transaction Fees;
    • Global Acceptance;
    • 24/7 Luxury Card Concierge;
    • 2% Value for Airfare Redemptions;
    • 2% Value for Cash Back Redemptions;
    • Patented 24K-gold-plated front and carbon back — weighing 22 grams;
    • No Foreign Transaction Fees;
    • VIP Airport Lounge Access;
    • Luxury Card EXPERIENCES;
    • It Pays To Be a Member;
    • Airport Meet & Assist;
    • Annual Airline Credit;
    • Global Entry & TSA Pre✓® Application Credit;
    • TCS World Travel;
    • Cellular Telephone Protection;
    • Travel Accident Insurance;
    • Baggage Delay Insurance;
    • Trip Cancellation and Interruption;
    • Travel Assistance.
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Double Cash Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    13.99% - 23.99% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.

    In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.

    For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.

    The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.

    Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.

  • Pros:
    • Unlimited 1 percent as you buy, 1 percent as you pay Cash Back rewards structure
    • No annual fee
    • 18-month introductory 0 percent APR on balance transfers
  • Cons:
    • No welcome bonus offer or introductory APR on purchases
    • Foreign transaction fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
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Discover it® chrome Discover Bank
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back every quarter at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening.
  • Regular APR:
    11,99% - 22,99% Variable APR, based on your creditworthiness.
  • Balance Transfer APR:
    11,99% - 22,99% Variable APR, based on your creditworthiness.
  • Issuer name:
    Discover Bank
  • Details:

    Discover it® chrome offers cardholders the opportunity to earn cash back on some of the biggest everyday expenses—gas and restaurants.

    Discover it® chrome doesn’t charge an annual fee, foreign transaction fees or a penalty APR. You also have a one-time safety net since your first late payment fee is waived (up to $40 after that).

    In case you already have a balance you’re trying to shave down, the Discover it chrome card offers a sizable 14-month 0 percent introductory APR on purchases and balance transfers (3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*). Even afterward, the 11.99 percent to 22.99 percent variable ongoing APR is well below average.

    Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

    You’ll earn 2 percent cash back on gas and restaurant purchases (on up to $1,000 in purchases each quarter, then 1 percent), plus 1 percent cash back on all other purchases. Besides gas stations, your categories will earn rewards from dining in, takeout and delivery from full-service restaurants, cafes, cafeterias and fast food restaurants.

  • Pros:
    • Bonus cash back categories
    • Intro APR period on Purchases and Balance Transfers
    • No foreign transaction fee
  • Cons:
    • Good/excellent credit is required
    • Discover cards are not widely accepted outside of the U.S.
  • Benefits:
    • $0 Fraud Liability;
    • No Foreign Transaction Fees;
    • 2% Cash Back every quarter;
    • 1% Unlimited Cash Back;
    • 2x rewards your first year.
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Discover it® Student Cash Back Discover Bank
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • $20 Earn statement credit each school year your GPA is 3.0 or higher for up to the next five years.
    • 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter, such as Amazon, Grocery stores, Restaurants, Gas stations.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable APR.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable APR.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Student Cash Back card gives you 5% Cash Back in quarterly rotating categories that you activate, on up to $1,500 in spending per quarter, and 1% Cash Back on all other purchases. Historically, bonus categories have included student-friendly options such as restaurants, movie theaters and Amazon.com purchases. With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

    Other great features include a $20 statement credit each year if you maintain a 3.0 GPA, free access to your FICO score, and an annual fee of $0. If you're planning to study abroad, the card has no foreign transaction fees, but Discover's acceptance abroad is fairly limited.

    The Discover it® Student Cash Back card has the potential to be a low-cost alternative to other credit-building options for students, such as credit-builder loans and starter credit cards. There are no annual fees or foreign transaction fees, which can come in handy while studying abroad. Plus, your first late fee is waived (up to $40 thereafter) and you’ll never be charged a penalty APR. This gives you a safety net while you’re learning the credit card ropes.

    You’ll also get a fantastic chance to water down any interest you might accumulate in the case of an emergency, thanks to the card’s six-month 0 percent intro purchase APR. There’s also a reduced 10.99 percent intro APR for balance transfers for the first six months. Even after this, the ongoing 12.99 percent to 21.99 percent variable APR could be well below the current average interest rate. That’s a blessing considering starter cards are notorious for their high interest rates.

  • Pros:
    • No Foreign Transaction Fee
    • No late fee on your first late payment
    • Bonus cash back categories
    • No annual fee
    • Intro APR period
  • Cons:
    • No travel protection benefits
    • Extra fees
    • Bonus rewards categories require quarterly activation
  • Benefits:
    • Good Grades Reward;
    • Free access to FICO score;
    • Designed just for students;
    • $20 Statement credit;
    • 5% Cash Back on everyday purchases, 1% Cash Back on all other purchases;
    • 24/7 U.S.-based customer service.
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Wells Fargo Propel American Express® Wells Fargo
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x% Points on eating out and ordering in.
    • 3x% Points on popular streaming services.
    • 3x% Points on gas stations, rideshares and transit.
    • 3x% Points on travel including flights, hotels, homestays and car rentals.
    • 1x% Points on other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening.
  • Regular APR:
    14.49% - 24.99% Variable APR.
  • Balance Transfer APR:
    14.49% - 24.99% Variable APR.
  • Issuer name:
    Wells Fargo
  • Details:

    With the Wells Fargo Propel American Express card, you’ll earn 3X rewards points on dining, travel, rideshare, transit, gas station purchases and popular streaming services, plus 1X points for other purchases.

    You can redeem your points for $200 Cash Back, gift cards, merchandise and more.

    There’s also a 0% introductory APR for 12 months from account opening on purchases and on qualifying balance transfers (14.49%-24.99% variable thereafter), but you must make all balance transfers within 120 days to qualify for the introductory rate.

    Overdraft Protection Advances: $12.50 if the total of overdraft protection advances for the day is $50 or less;$20if the total of overdraft protection advances for the day is greater than $50.

    Enjoy Zero Liability protection, which protects you against unauthorized purchases, Cell Phone Protection when you pay your phone bill with the card and various travel protections.

  • Pros:
    • No annual fee
    • No foreign transaction fee
    • Intro APR period on Purchases and qualifying Balance Transfers
  • Cons:
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • Good/excellent credit is required
    • Extra fees
  • Benefits:
    • Cell phone protection;
    • No annual fee;
    • Fraud Protection;
    • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months;
    • 3x points on eating out and ordering in; Gas stations, rideshares, and transit; Flights, hotels, homestays, and car rentals; Popular streaming services;
    • Extended Warranty.
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