Find a top zero-interest credit card in 2024 to help finance big purchases and manage debt without paying interest with Bankrate.
Looking for the best 0% APR credit cards? Find out which options offer long intro periods, rewards, and perks to help you reach your financial goals.
Written by India Davis and Garrett Yarbrough ; Edited by Nouri Zarrugh ; Reviewed by Beverly Harzog
Credit card interest rates are over 20%, and while not a record high, these costly rates can be a strain on people who carry a balance.
The best 0% APR credit cards of 2024 charge zero interest on purchases and balance transfers, sometimes for up to 21 months — a generous benefit.
Save with lower interest rate credit cards from Bank of America. Apply for a lower rate credit card online.
Discover it® Cash Back ; Navy Federal Credit Union Platinum Credit Card ; Chase Slate Edge℠
Discover it® Cash Back ; Citi Rewards+® Card ; Discover it® Miles ; Wells Fargo Reflect® Card ; Chase Freedom Unlimited® ; Blue Cash Everyday® Card from American Express ; Citi Custom Cash® Card ; BankAmericard® Credit Card
Vault’s Viewpoint ; In most cases, you won’t be charged interest if you pay your credit card’s statement balance in full each billing cycle. ; If you’re not being charged interest, your credit card’s interest rate doesn’t matter. ; If you do carry a balance from month to month, your credit card’s interest rate is important because it impacts how much you’ll pay.
Table of Contents ; Best 0% introductory APR credit cards ; Pros and cons of introductory 0% APR credit cards ; What experts are saying about 0% APR credit cards