13 Best 0% APR Credit Cards of December 2024

Find a top zero-interest credit card in 2024 to help finance big purchases and manage debt without paying interest with Bankrate.

How To Use A 0% APR Credit Card As An Interest-Free Loan

Key takeaways ; Cards that offer a 0 percent intro APR on new purchases can be helpful for consolidating and paying off higher-interest debt or financing a large purchase, as long as you use the card responsibly. ; You’ll need to prioritize paying off what you transfer within your intro period, however. After it expires, a much higher rate applies to any balance. ; Compare 0 percent intro APR credit cards for a fit with your repayment timeline, credit score and overall financial goals.

Does My Credit Card’s Interest Rate Matter?

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.

Best Cash Back Credit Cards of December 2024: Maximize Your Rewards

The best credit cards for cash back earn up to 10% cash back. Some no-annual-fee options even offer higher bonus rates than cards with annual fees.

Best Travel Credit Cards of December 2024: Top Rewards and Benefits

Our experts review the best travel credit cards of 2024 by comparing top rewards and benefits to determine the perfect fit for frequent travelers.

Best Low Interest Credit Cards of December 2024

Bank of America® Customized Cash Rewards credit card: Best for Customizable cash back ; Wells Fargo Reflect® Card: Best for Longest 0% intro APR period ; Capital One Savor Cash Rewards Credit Card: Best for Food and entertainment

Best 0% purchase credit cards for 2024 | Finder UK

Get deals on credit cards with 0% on purchases and save on interest costs while you repay your balance.

Best 0% APR Business Credit Cards For December 2024 – Forbes Advisor

Welcome Bonus : Earn $750 bonus cash back, Annual Fee : $0, Regular APR : 17.74% - 23.74% Variable, Credit Score : Excellent, Good (700 - 749)

Best 0% APR Credit Cards of December 2024

Citi Rewards+® Card ; Discover it® Cash Back ; Discover it® Miles ; Blue Cash Everyday® Card from American Express ; Citi Custom Cash® Card ; Chase Freedom Unlimited® ; Wells Fargo Reflect® Card ; BankAmericard® Credit Card ; Bank of America® Customized Cash Rewards credit card

Which credit cards have the best interest rates?

Interest rates are a key feature of many credit cards and play a big part in the potential fees you may be charged for carrying a balance. If you already carry a balance on your credit card, you’re likely being hit with high interest charges that make it harder to pay off debt. The average APR for all credit card accounts is 14.87% at the time of this writing, and rises to 16.88% for accounts assessed interest, according to the latest data from the Fed. But APR can be near 30% for some account...