9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (2024)

Credit Cards

By

Ryan Wilcox

9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (1)

Ryan Wilcox

Former credit card writer

When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.

Edited by

Matt Moffitt

9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (2)

Matt Moffitt

Managing editor

Matt Moffitt is TPG's managing editor for credit card content and an expert in getting the most out of credit cards and points. He has at least 25 cards in his wallet at any given time. Originally from Sydney, he won the green card lottery and has been based in Austin since 2015.

Reviewed by

Lakeisha Robinson

9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (3)

Lakeisha Robinson

Compliance associate

Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.

Sept. 10, 2024

Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.

Cards that offer zero interest — also called zero annual percentage rate (APR) cards — are ideal for large purchases or emergencies because they don’t charge you interest for a certain introductory period. Typically, this period lasts between 12 and 18 months, though some cards offer even more time than this to pay down balances.

Although we don’t recommend carrying a balance on your credit cards, it’s nice to have the guarantee of a 0% APR if you’re not able to pay off a balance in full and do need to carry it over into the next month. These are our top picks for the best 0% APR cards from our partners.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.

  • Capital One VentureOne Rewards Credit Card: Best for travel

  • Chase Freedom Unlimited®: Best for transferable points

  • Blue Cash Preferred® Card from American Express: Best for groceries at U.S. supermarkets

  • Wells Fargo Reflect® Card: Best for financing credit card debt

  • Capital One Quicksilver Cash Rewards Credit Card: Best for simplicity

  • Capital One SavorOne Cash Rewards Credit Card: Best for general spending

  • Blue Cash Everyday® Card from American Express: Best for gas and supermarkets

  • Chase Freedom Flex®: Best for rotating categories

  • Discover it Cash Back: Best for elevated cash back in bonus categories

Browse by card categories

  • Best

  • Travel

  • Airline

  • Hotel

Best for travel

Capital One VentureOne Rewards Credit Card

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3

/ 5

Go to review

Apply for Capital One VentureOne Rewards Credit CardApply nowfor Capital One VentureOne Rewards Credit Card

at

Capital One

's secure site

Terms & restrictions apply.

See rates & fees.

5 Miles5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles1.25 Miles per dollar on every purchase, every day

Open Intro bonus

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

$0

19.99% - 29.99% (Variable)

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase!

Pros

  • Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening
  • Use your miles to book or pay for travel at a 1-cent value, or transfer your miles to loyalty programs to gain potentially even greater value for your rewards.
  • No foreign transaction fees.

Cons

  • Other credit cards can offer you higher rewards for your common purchase categories.
  • Capital One airline transfer partners do not include any large U.S. airlines.
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to 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
  • 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
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for transferable points

Chase Freedom Unlimited®

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

4

/ 5

Go to review

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Chase

's secure site

5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.

Open Intro bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

$0

20.49% - 29.24% Variable

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent/Good

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.Read our fullreview on the Chase Freedom Unlimited.

Pros

  • At least 1.5% back on every purchase, with up to 5% or 3% back on select categories.
  • Perfect for everyday, non-bonused spending.
  • Incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Best for groceries at U.S. supermarkets

Blue Cash Preferred® Card from American Express

4

/ 5

Go to review

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at

American Express

's secure site

Terms & restrictions apply.

See rates & fees.

6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%6% Cash Back on select U.S. streaming subscriptions
3%3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%3% Cash Back at U.S. gas stations
1%1% Cash Back on other purchases

Open Intro bonus

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250

$0 intro annual fee for the first year, then $95.

18.74%-29.74% Variable

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our fullreview of the Blue Cash Preferred Card from American Express.

Pros

  • This card has one of the best earning structures out there for cash-back credit cards.
  • The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
  • See Rates & Fees

Best for financing credit card debt

Wells Fargo Reflect® Card

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3

/ 5

Go to review

Apply for Wells Fargo Reflect® CardApply nowfor Wells Fargo Reflect® Card

at

Wells Fargo

's secure site

Terms & restrictions apply.

See rates & fees.

no offer

no offer

$0

17.74%, 24.24%, or 29.49% Variable APR

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 17.74%, 24.24%, or 29.49%, depending on your creditworthiness (balance transfers made within 120 days qualify for the intro rate, balance transfer fee of 5%: min $5).

Pros

  • No annual fee.
  • Introductory APR offer of 21 months on purchases and qualifying balance transfers.
  • Up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.

Cons

  • No points or cash rewards earning potential.
  • No welcome bonus.
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 annual fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Best for simplicity

Capital One Quicksilver Cash Rewards Credit Card

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3.5

/ 5

Go to review

Apply for Capital One Quicksilver Cash Rewards Credit CardApply nowfor Capital One Quicksilver Cash Rewards Credit Card

at

Capital One

's secure site

Terms & restrictions apply.

See rates & fees.

5%Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%Earn unlimited 1.5% cash back on every purchase, every day

Open Intro bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$200

$0

19.99% - 29.99% (Variable)

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

TheCapital One Quicksilver Cash Rewards Credit Cardis a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Limited card perks and benefits.
  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for general spending

Capital One SavorOne Cash Rewards Credit Card

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3.5

/ 5

Go to review

Apply for Capital One SavorOne Cash Rewards Credit CardApply nowfor Capital One SavorOne Cash Rewards Credit Card

at

Capital One

's secure site

Terms & restrictions apply.

See rates & fees.

8%8% Cash Back on Capital One Entertainment purchases
5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%1% Cash Back on all other purchases

Open Intro bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

19.99% - 29.99% (Variable)

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our fullreview of the Capital One SavorOne Cash Rewards Credit Card.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
  • This card is great for beginners.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at the promotional APR offered at any other time).

Cons

  • If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best for gas and supermarkets

Blue Cash Everyday® Card from American Express

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3

/ 5

Go to review

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American Express

's secure site

Terms & restrictions apply.

See rates & fees.

3%3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%1% Cash Back on other purchases.

Open Intro bonus

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Earn $200

$0

18.74%-29.74% Variable

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our fullreview of the Blue Cash Everyday Card from American Express.

Pros

  • 3% cash back at U.S. supermarkets.
  • 3% cash back at U.S. gas stations and U.S. online retail purchases.
  • This card gives access to Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy 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.
  • Terms Apply.
  • See Rates & Fees

Best for rotating categories

Chase Freedom Flex®

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3.5

/ 5

Go to review

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at

Chase

's secure site

5%5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5%5% cash back on travel purchased through Chase Travel℠.
3%3% cash back on dining and drugstores.
1%1% cash back on all other purchases.

Open Intro bonus

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

$200

$0

20.49% - 29.24% Variable

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Excellent, Good

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.

Pros

  • The generous sign-up bonus is impressive for a no annual fee card.
  • The card features several categories that earn 5% cash back on travel purchased through Chase Travel and rotating quarterly bonus categories and 3% back on dining and drugstores.
  • Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.

Cons

  • You must remember to activate your bonus categories quarterly or risk not earning 5% on select purchases.
  • This card charges foreign transaction fees so it's best to use it within the U.S.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Best for elevated cash back in bonus categories

Discover it Cash Back

*

*The information about the

Discover it Cash Back

has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

3

/ 5

Go to review

`Go to Review of $Discover it Cash Back`Go to Reviewfor Discover it Cash Back

Information updated as of

09/10/2024

5%Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
1%Earn 1% unlimited cash back on all other purchases – automatically.

Open Intro bonus

Intro Offer: Unlimited Cashback Match for all new cardmembers – 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. You could turn $150 cash back into $300.

Cashback Match

$0

18.24% - 28.24% Variable APR

Open Credit score description

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

670-850Good/Excellent

Pros

  • Generous first-year cash-back match offer, as Discover will effectively double all the cash back earned in your first 12 months holding the card
  • Earn 5% cash back in rotating bonus categories, on up to $1,500 in purchases quarterly
  • Eligible customers may qualify for 0% introductory APR in the first 15 months you hold the card
  • No annual fee
  • No foreign transaction fees

Cons

  • 5% cash back earnings capped at $75 cash back per quarter
  • Rotating bonus categories must be activated each quarter to earn 5% cash back
  • Limited redemption options

The Discover it® Cash Back is a solid option to net elevated cash-back earnings in rotating categories quarterly. Plus, you can get outsize value after your first year with the card, as Discover will match all of the cash back you’ve earned in the first 12 months of using it.

The information for the Discover it Cash Back Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Comparing the best zero interest credit cards

Credit card

Best forIntro offerEarning rateAnnual fee

See details

Apply NowApply for Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

3

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Capital One

's secure site

travel

20,000 miles

Open Intro bonus

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

1.25 - 5X miles

Open Rewards rates

5 Miles5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles1.25 Miles per dollar on every purchase, every day

$0

See details

Apply NowApply for Chase Freedom Unlimited®

Chase Freedom Unlimited®

4

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Chase

's secure site

transferable points

Up to $300 cash back

Open Intro bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

1.5 - 5% cash-back

Open Rewards rates

5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.

$0

See details

Apply NowApply for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

4

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

American Express

's secure site

groceries at U.S. supermarkets

Earn $250

Open Intro bonus

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

1 - 6% cash-back

Open Rewards rates

6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%6% Cash Back on select U.S. streaming subscriptions
3%3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%3% Cash Back at U.S. gas stations
1%1% Cash Back on other purchases

$0 intro annual fee for the first year, then $95.

See details

Apply NowApply for Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

3

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Wells Fargo

's secure site

financing credit card debt

N/A

N/A

$0

See details

Apply NowApply for Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

3.5

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Capital One

's secure site

simplicity

$200

Open Intro bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

1.5 - 5% cash-back

Open Rewards rates

5%Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%Earn unlimited 1.5% cash back on every purchase, every day

$0

See details

Apply NowApply for Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

3.5

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Capital One

's secure site

general spending

$200

Open Intro bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

1 - 8% cash-back

Open Rewards rates

8%8% Cash Back on Capital One Entertainment purchases
5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%1% Cash Back on all other purchases

$0

See details

Apply NowApply for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

3

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

American Express

's secure site

gas and supermarkets

Earn $200

Open Intro bonus

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

1 - 3% cash-back

Open Rewards rates

3%3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%1% Cash Back on other purchases.

$0

See details

Apply NowApply for Chase Freedom Flex®

Chase Freedom Flex®

3.5

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

at

Chase

's secure site

rotating categories

$200

Open Intro bonus

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

1 - 5% cash-back

Open Rewards rates

5%5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5%5% cash back on travel purchased through Chase Travel℠.
3%3% cash back on dining and drugstores.
1%1% cash back on all other purchases.

$0

`Go to Review of $Discover it Cash Back`Go to Reviewfor Discover it Cash Back

Discover it Cash Back

*

*The information about the

Discover it Cash Back

has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.

3

Open Editors rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.

Information updated as of 09/10/2024

elevated cash back in bonus categories

Cashback Match

Open Intro bonus

Intro Offer: Unlimited Cashback Match for all new cardmembers – 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. You could turn $150 cash back into $300.

1 - 5% cash-back

Open Rewards rates

5%Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
1%Earn 1% unlimited cash back on all other purchases – automatically.

$0

More details on the best zero interest credit cards

Apply for Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

If you’re looking to dip your toes into the world of travel rewards, the Capital One VentureOne Rewards Credit Card is a great way to get started. With no annual fee (see rates and fees) and a simple 1.25 miles per dollar on all your purchases, you won’t have to keep up with multiple bonus categories — just earn rewards on everything you purchase.

The Capital One VentureOne is a great option if you want a simple earning structure and the ability to take advantage of 15-plus airline and hotel transfer partners with easy-to-use rewards. If you're against paying an annual fee, this will be a good fit for you.

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner. It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith, former credit cards writer

If you want a better earning rate, the Capital One Venture Rewards Credit Card has a higher 2-mile-per-dollar rate on everyday purchases. You'll also receive an up to $120 Global Entry/TSA PreCheck application fee credit.

Chase Freedom Unlimited®

The Chase Freedom Unlimited is a standout card that earns at least 1.5% back on everything. However, it becomes even more powerful if you pair it with a card that earns transferable Ultimate Rewards points, as you can convert your cash back into Chase points.

The no-annual-fee Chase Freedom Unlimited is an ideal card for both beginner and advanced award travelers. While many cards offer 1% back on purchases outside of bonus categories, you'll earn 1.5% back on non-bonus spending with the Freedom Unlimited.

“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” — Nick Ewen, director of content

If you want to earn cash back in rotating categories, the Chase Freedom Flex®earns 5% back on up to $1,500 in combined purchases in quarterly bonus categories after you activate. Like the Freedom Unlimited, it earns rewards you can transfer to Chase's partners with the right card pairing.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

The Blue Cash Preferred Card is a lucrative cash-back card for several spending categories. If cash back is up your alley — and categories for select U.S. streaming subscriptions, U.S. supermarkets, transit and U.S. gas stations align with your spending habits — then you can't go wrong with this card.

“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards, and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter, senior writer

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

If you want similar benefits with no annual fee (see rates and fees), the Blue Cash Everyday® Card from American Express earns 3% back at U.S. supermarkets and U.S. gas stations and on U.S. online retail purchases — though there's a limit of $6,000 in purchases per category. After that, you'll earn 1% back. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Wells Fargo Reflect® Card

The Wells Fargo Reflect has no annual fee (see rates and fees), and along with a good introductory APR offer, you’ll enjoy up to $600 of cell phone protection against damage and theft when you pay your monthly cellphone bill with your card (subject to a $25 deductible). Monthly cellphone insurance can be pricey, and this excellent protection automatically comes with a card with no annual fee.

The Wells Fargo Reflect is perfect for those looking to refinance their debt with a solid introductory balance transfer opportunity. While light on overall benefits, the card brings you back to the basics and even comes with cell phone protection when you pay your monthly bill with this card.

If reducing debt is one of your priorities, a credit card like the Wells Fargo Reflect Card can help you avoid paying interest on balances you carry in the interim. For no annual fee, you can transfer your balances from your other credit cards to the Wells Fargo Reflect to save money.

If you prefer Bank of America, the BankAmericard® credit card also has no annual fee and offers access to Bank of America's suite of online banking features, free FICO score tool and credit education topics.

The information for the BankAmericard credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their rewards simple. This card earns a flat rate of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.

The Quicksilver is great for those who hold other Capital One cards, as you can convert the cash back you earn with the card into miles that can then be redeemed with the issuer’s ample transfer partners.

If you prefer not to juggle cards when you're out and about, the Quicksilver Cash is a great option to ensure you’re earning 1.5% cash back on all your purchases.

If you're going to go with a card that earns 1.5% cash back, the Chase Freedom Unlimited® also has no annual fee and earns 1.5% cash back on most purchases while offering additional perks and bonus cash back on easy-to-maximize spending categories.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash-back structure and no annual fee (see rates and fees). Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

The Capital One SavorOne is a solid card with no annual fee that’s great for those who regularly spend on dining and entertainment. It offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and 8% cash back on Capital One Entertainment purchases, plus 1% cash back on all other purchases.

The Capital One SavorOne offers generous bonus categories when compared to other cash-back cards with no annual fee and even some cards that do have annual fees. The real highlight is the high cash-back rate in the dining and entertainment categories, though you can also get some value with extra cash back at grocery stores.

If you want a simpler earning rate, the Capital One Quicksilver Cash Rewards Credit Card also has no annual fee (see rates and fees). You'll earn 1.5% unlimited cash back on all purchases, which is great if you have expenses outside of the SavorOne's bonus categories.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee (see rates and fees). You’ll earn cash back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

The Blue Cash Everyday Card from American Express offers several bonus cash-back categories and some new benefits, making this card a decent option in the crowded field of cash-back cards. It offers solid returns on popular spending categories without an annual fee.

This is a great card if you want to earn bonus cash back on groceries, gas and online shopping without an annual fee. Rewards are easily redeemed at a fixed rate, eliminating guesswork on whether you're getting good value from your earnings.

If you want more options for using your earnings, the Citi Double Cash® Card (see rates and fees) has no annual fee and earns 2% back on all purchases — 1% when you purchase and another 1% when you pay your bill.

Chase Freedom Flex®

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through the Chase Travel portal. This card is an excellent addition to your wallet as it provides ongoing rewards and no annual fee to worry about.

The Chase Freedom Flex is one of the best cash-back credit cards around, thanks to phenomenal earning rates across several spending categories, all with no annual fee to worry about. The card becomes potentially even more valuable when you pair it with a Chase Ultimate Rewards points-earning credit card, too.

“As a points and miles enthusiast, I’m happy to keep up with the rotating quarterly categories that earn 5% cash back. I get the most value from this card when I can max out the $1,500 quarterly limit at merchants like Amazon, Target and PayPal (not a current category). My top tip for this card is to make sure that you activate the categories every quarter so that you can maximize your points-earning.” — Matt Moffitt, senior credit cards editor

The Chase Freedom Unlimited® offers a similar reward structure, but it has one notable difference: Rather than earning 5% on rotating categories, you'll get 1.5% cash back on all non-bonus spending.

Discover it Cash Back

The Discover it Cash Back offers a solid 15-month 0% introductory APR period, making it a solid option for earning cash back on larger purchases that may take longer to pay off.

The information for the Discover it Cash Back Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Anyone interested in earning cash back on a large purchase could benefit from the Discover it Cash Back’s generous first-year cash-back match, which could effectively double what you earn in the first year of holding the card.

“I applied for the Discover it Cash Back when I needed to pay for expensive car repairs. The 0% introductory APR period helped me manage the bill gradually, while also earning cash-back rewards that I used on my monthly statements.” — Augusta Stone, associate credit cards writer

If you’re in the Chase ecosystem, you could find value in the Chase Freedom Flex®, which offers a 15-month 0% introductory APR period like the Discover It Cash Back. This option also comes with 5% cash back rates in rotating bonus categories on up to $1,500 in bonus category purchases each quarter you activate, plus 3% cash back on dining, including takeout and drug stores and 1% on all other purchases.

Apply nowfor Capital One VentureOne Rewards Credit Card

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Capital One

's secure site

Terms & restrictions apply.

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How we rate cards

Having a zero interest card can be a great way to achieve your financial goals - whether it is to consolidate debt or finance a large purchase. We know how important reaching their financial goals are for our readers, which is why we considered annual fees, earning rates and other additional benefits when rating our best zero interest credit cards. For more on how TPG evaluates and chooses cards for these roundups, check out our methodology here.

Earning ratesJust because you are looking for a zero interest card does not mean you have to give up earning rewards on your spending.

Annual feeMost cards on this list do not feature an annual fee so you can spend your money towards reaching your financial goals.

Welcome bonus Welcome bonuses on zero interest cards are typically modest but they also have a relatively low spend which makes it easy to earn the welcome bonus.

Redemption optionsOur best zero interest cards earn both cash back and transferable points and miles.

Added benefitsSelect cards on this list feature additional benefits like cell phone protection and access to exclusive Amex Offers.

Ask our experts

What's your favorite zero interest card — and why?

Apply for Chase Freedom Flex®

Chase Freedom Flex®

Reduce interest and maximize points-earning

“Apart from this card’s attractive intro APR offer, I value it for earning 5% cash back in rotating categories like Amazon and grocery stores. I also have the Chase Sapphire Reserve, meaning the cash back converts to Ultimate Rewards points, which means even more value for my redemptions.”

Matt MoffittManaging editor

Apply for Chase Freedom Unlimited®

Chase Freedom Unlimited®

Easily finance unexpected purchases

“I recently added this card to my wallet for a solid welcome bonus, but when my dog had to have emergency surgery, it was great to have an extended period of 0% APR on purchases. Instead of dipping into savings, I could pay off the large bill over time.”

Nick EwenSenior editorial director

Apply for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

An excellent starter card with introductory 0% interest

“This is a great card thanks to its generous welcome offers, including a $0 introductory annual fee (then $95) in addition to 0% interest on purchases for 12 months. This means you earn cash back across a variety of categories without worrying about high interest rates or an annual fee for a year.”

Daisy HernandezCredit cards editor

What TPG readers have to say about their favorite low-interest credit cards

We asked our readers what they liked best about their 0% APR and low-interest credit cards. Read more below to see which cards they picked and why they may make a solid addition to your wallet.

Note: Reader-submitted responses have not been edited, reviewed or approved by the issuers nor reflect TPG’s opinions of these cards.

Capital One SavorOne Cash Rewards Credit Card

SavorOne - covers my main spend categories, has decent travel protections, No foreign transaction fees (see rates and fees), Mastercard World Elite, 5% on Hotels and Cars through [the Capital One Travel] portal.” — Elijah Barrows via a TPG newsletter survey

*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Chase Freedom Unlimited®

Freedom unlimited - 1.5% back isn’t bad for a baseline card.” — James Medley via a TPG newsletter survey

Blue Cash Preferred® Card from American Express

Great return on groceries, my highest expense category (after rent), no annual fee [$0 intro annual fee for the first year, then $95 each year thereafter] (see rates and fees).”— Malka Klein via a TPG newsletter survey

How to choose the best zero interest credit card

One of the best ways to choose which 0% APR credit card is best for you is by examining the card’s introductory APR offer, its fees and reward categories, and which bank issues the card.Introductory APR offers last for varying amounts of time and the cards have different terms and conditions once those offers expire, so be sure to pay attention to the fine print.

Here are some of the main points to consider when choosing a zero interest credit card:

  • 1

    Annual fee

    If you are looking to get a card to consolidate your debt, it is likely more beneficial to get a card with no annual fee. The majority of cards on this list does not feature an annual fee so that you can spend more time and money on reaching your financial goals.

  • 2

    Welcome bonus

    The welcome bonuses offered on zero interest cards are relatively modest but have a low required spend which makes them easier to earn. Not all cards feature a welcome offer but if your card does, you will want to earn the welcome bonus as it is a considerable part of a card’s value.

  • 3

    Bonus categories

    Many of our best zero interest cards feature multiple bonus categories. Choosing a zero interest card that best aligns with your spending will help you get the most return on your spending and still allow you to consolidate your debt or finance a large purchase.

9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (32)

How to choose a credit card with 0% APR - The Points Guy

Zero APR cards can serve many purposes — like helping you pay down debt faster

More on 0% APR cards

Or, get pre-qualified offers here

Pros + cons of zero interest credit cards

Pros

  • A card with an introductory 0% APR can allow you to pay for large purchases over time without incurring interest
  • Many 0% and low-interest credit cards allow you to earn rewards like points, miles or cash back on your purchases
  • Some 0% APR cards also extend this introductory rate to balance transfers, allowing you to consolidate debt and pay it off with no interest for a set period of time

Cons

  • Most 0% and low-interest credit cards have a specific window of time during which you enjoy the low rate, with some being much shorter than others
  • If you don’t pay off your full balance by the end of the promotional period, you may be hit with massive interest charges
  • Having a 0% APR card can feel like “free” money, but if you spend beyond your means, your credit score can take a hit and you could end up with debt

Frequently asked questions

Some card issuers will offer you a special 0% APR on an existing credit card. This is typically only offered to cardholders with an extensive history with the issuer and who are in good (or great) financial standing.

If you've been regularly paying off your debt and aren’t carrying a card balance, it’s possible that your issuer will extend your promotional low-APR period. This is usually only done if you regularly pay off your balance anyway, though, so you’ll have to demonstrate financial responsibility to earn this.

The best credit cards with zero interest typically offer valuable reward rates along with their low APR. They also come with perks, in some cases, that can further save you money for travel and in your daily spending.

Zero-percent APR is a promotional tool used by credit card companies to entice customers to apply. Promos for 0% APR typically last 12 or 15 months, after which the card usually reverts to a standard APR. Card companies also make money when you swipe your card, so 0% APR purchases are still profitable for them.

At TPG, we always recommend paying off your monthly card balance in full whenever possible. Delaying payment isn’t ideal, even with a zero-interest card, as it can lead to poor spending habits and damage your financial health in the long run.

A primary consideration with a 0% APR credit card should be ensuring you spend within your means, even if you don't have to pay interest on your purchases for the card's promotional period.

It's advisable to utilize a zero interest card as a tool to give yourself some extra time to pay off a large purchase. If you lack financial discipline, a 0% APR card could be challenging to manage.

Related: Pros and cons of zero percent APR credit cards

Your credit score won't be affected by simply holding a 0% APR card, but the way you manage the balance on your cardin addition to your ability to make timely payments can determine if your credit is affected. Your score could take some dings by carrying a balance month to month, even during the zero interest introductory term. However, a more prominent issue could arise if you continue to carry a large balance after the intro period concludes.

If you can't immediately pay your balance off month to month on a 0% APR card, working to lower it with each statement can help mitigate the effect on your credit. You can also request a lower interest rate from your issuer but there is no guarantee that it will be approved.

This decision depends on what you're looking to get from a card, as these two types of cards serve different purposes.

If you're expecting to carry a balance or make a large purchase thatyou'llneed time to pay off, a low interest card could be a solid option so you limit the amount of interest you accrue.

Meanwhile, a cash back card is a rewards card thatputs a certain percentage of money back in your pocket — usually for purchases in categories like grocery stores, gas stations and dining out, for example.

Ultimately, there isn't a right or a wrong answer here. It comes down to what you need a credit card to do for you.

APR is short for annual percentage rate, which is defined as the interest rate you're charged on your credit card balance over the course of a year. APY, or annual percentage yield, is money you earn in a savings account or on an investment over the course of a year.

While many zero interest cards (including a majority of those on this list) do not charge an annual fee, some of them do. The Blue Cash Preferred Card, for instance, is a zero interest credit card that comes with a $0 intro annual fee for the first year, then costs $95 a year thereafter.

You can technically close a credit card whenever you decide you're ready to do so. However, it's important to weigh how closing a credit card will affect your credit score, as it could adjust both your credit utilization and your credit history length.

You should also be certain that your final payment on that card has been processed before you cancel it.

For rates and fees of the Amex Blue Cash Everyday, click here

9 Best 0% APR and Low-Interest Credit Cards of October 2024 - The Points Guy (2024)
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