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    The Best 0% APR Credit Cards for Up to 21 Months (May 2025)

    The Best 0% APR Credit Cards for Up to 21 Months (May 2025)

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Top Picks (Summary)

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    Card

    Welcome Offer and Annual Fee

    0% APR Period for Purchases

    0% APR Period for Balance Transfers

    Wells Fargo Reflect® Card

    • No welcome offer available.
    • Annual fee of $0
    		0% intro APR for 21 months from account opening on purchases, then a variable APR of 17.24%, 23.74%, or 28.99%0% intro APR for 21 months from account opening on balance transfers, then a variable APR of 17.24%, 23.74%, or 28.99%
    Chase Freedom Unlimited®
    Chase Freedom Unlimited®
    • $200Chase Freedom Unlimited®Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    		0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

    Ink Business Unlimited® Credit Card

    Ink Business Unlimited® Credit Card

    • $750Ink Business Unlimited® Credit CardEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    		0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter17.49% - 23.49% Variable
    Wells Fargo Autograph℠ Card

    • 20,000 pointsWells Fargo Autograph℠ CardEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
    • Annual fee of $0
    		0% intro APR for 12 months from account opening on purchases, 19.24%, 24.24%, or 29.24% variable APR thereafter19.24%, 24.24%, or 29.24% Variable APR
    Wells Fargo Active Cash® Card

    • $200 cash rewards bonusWells Fargo Active Cash® CardEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
    • Annual fee of $0
    		0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter0% intro APR for 12 months from account opening on qualifying balance transfers. After that, your variable APR will be 19.24%, 24.24%, or 29.24%. Balance transfers made within 120 days qualify for the intro rate and fee.

    The Best 0% APR Personal Cards for Purchases and Balance Transfers

    If you’re looking for a 0%-annual-percentage-rate credit card, consider the repayment period that best fits your needs and any associated fees that might be charged. Another consideration, especially if you’re making a large purchase, is whether the card earns travel rewards, cash-back, or has a generous welcome bonus offer.

    With so many variables to consider, you might need a little help — so we’ve put together all the information you need to select the right card for your situation.

    Let’s get started with suggestions for 0% APR cards for purchases.

    Chase Freedom Unlimited®: Best for Earning Travel Rewards

    Chase Freedom Unlimited®Terms Apply / Rates & Fees
    Chase Freedom Unlimited®
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    Apply Now(at Chase's secure site)
    Chase Freedom Unlimited®
    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

    When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

    Pros & Cons
    Pros
    • 5% back on travel purchased through Chase Travel℠
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    Cons
      • 3% foreign transaction fee
    Read Full Review
    Card Highlights
    • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase TravelSM, 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 1.5% 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 18.99% – 28.49%.
    • 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
    Financial Snapshot
    • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    The Freedom Unlimited card offers 5% cash-back earnings on travel via Chase Travel and 3% cash-back on dining and at drugstores. The card also earns 1.5% on all other purchases.

    Cardholders can receive their cash-back at a rate of 1 cent per point via a statement credit to offset purchases made or receive a direct deposit straight into their bank account.

    When paired with a premium Chase card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, that cash-back can be converted to valuable Ultimate Rewards points to redeem for up to 50% more value when redeemed for travel.

    Blue Cash Everyday® Card from American Express: Best for Online Shopping, Gas, and Groceries

    Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
    Blue Cash Everyday® Card from American Express
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    Blue Cash Everyday® Card from American Express
    This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
    Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    $200
    $0
    20.24%-29.24% Variable,0% on purchases for 15 months
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent
    Why We Like This Card

    When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

    This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

    Pros & Cons
    Pros
    • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
    • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
    Cons
      • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    Read Full Review
    Card Highlights
    • 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, 20.24% to 29.24% 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.
    • 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.
    Financial Snapshot
    • APR: 20.24%-29.24% Variable,0% on purchases for 15 months
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

    Depending on the nature of the large purchase, you could fare well if you use the Amex Blue Cash Everyday card, because it earns 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year). This might be a card you keep after your purchase is paid off, too, since it also earns 3% cash-back at U.S. supermarkets (up to $6,000 in purchases per year), and 3% cash-back at U.S gas stations (up to $6,000 in purchases per year).

    There’s also a welcome bonus offer that can be earned on this card, and depending on the amount of your large purchase, the offer (earned as cash-back) might be used to offset part of the cost of that purchase.

    To learn more about utilizing cards for large purchases, we also have an entire post dedicated to the best credit cards for high-spend and large purchases if you want to dig deeper into this topic.

    Wells Fargo Reflect® Card: 0% Introductory APR for 21 months

    You’ll be hard-pressed to find a card that offers a longer 0% introductory APR on purchases and balance transfers than the Wells Fargo Reflect card.

    While most other cards tend to offer a 12- to 15-month balance transfer offer, the Wells Fargo Reflect card offers 21 months, giving you an extra 6 to 9 months of a 0% APR period. This can be especially helpful for those looking to finance large purchases or pay down large balances without accruing additional interest.

    That said, the Wells Fargo Reflect card does not earn any rewards on purchases made with the card. But it does offer solid cell phone insurance protection and has a $0 annual fee.

    Wells Fargo Autograph℠ Card: Best for Earning Points on Multiple Categories

    Unlike most credit cards, the Wells Fargo Autograph card offers 3x points, with no limits on how many points you can earn, on just about every purchase category you could think of. This includes:

    • Restaurants (including catering, delivery, and more)
    • Travel (including flights, hotels, car rentals, cruises, and more)
    • Gas (including electric vehicle charging stations)
    • Transit (including subways, ride-shares, parking, tolls, and more)
    • Popular streaming services (including Apple TV+, Disney+, Hulu, Peacock, and more)
    • Phone plans (including cell phone and landline providers)

    Once you’ve earned all of these points, you can redeem them for travel, gift cards, and even purchases in the form of a statement credit.

    Plus, the card offers perks like cell phone insurance protection, auto rental collision damage waiver, roadside dispatch, and more, all for a $0 annual fee.

    Wells Fargo Active Cash® Card: Best for Cash Rewards on Everyday Purchases

    With the Wells Fargo Active Cash Card, you earn unlimited 2% cash rewards on all purchases. This is the perfect card for those who value cash rewards and prefer not to fuss over keeping track of credit card reward bonus categories.

    The card also offers a nice welcome bonus offer, a $0 annual fee, and up to $600 of cell phone protection against damage or theft.

    The Best 0% APR Personal Cards for Balance Transfers

    Transferring high-interest credit card balances to 0% APR cards can save you plenty in interest charges. Here are a couple of examples of cards that earn rewards and offer the 0% APR option for balance transfers.

    Citi Double Cash® Card: Earn 2% Cash-Back on Every Purchase

    Citi Double Cash® Card
    Citi Double Cash® Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

    Citi Double Cash® Card
    Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
    Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
    $200 cash-back
    $0
    0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Fair to Excellent (580-850)
    Why We Like This Card

    The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

    This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

    Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

    Pros & Cons
    Pros
    • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
    • Flexible redemption options
    • No annual fee
    Cons
    • No bonus categories
    • 3% foreign transaction fees
    Read Full Review
    Card Highlights
    • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • 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).
    • Citi Double Cash® Card Travel Portal Special Offer
      Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.
    Financial Snapshot
    • APR: 0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable
    • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
    Rewards Center

    Citi ThankYou Rewards

    Best 0% APR Business Credit Cards for Purchases

    Making a large business purchase and having a 0% APR period to pay back the purchase amount over time can help manage your business cash flow. Fortunately, these 2 business credit cards offer a way to earn rewards on your purchases and offer repayment flexibility with no interest charges.

    Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card: Best for Earning Travel Rewards

    Ink Business Cash® Credit CardTerms Apply / Rates & Fees
    Ink Business Cash® Credit Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

    Apply Now(at Chase's secure site)
    Ink Business Cash® Credit Card
    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
    Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
    Up to $750
    Up to $750
    $0
    0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)
    Why We Like This Card

    The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

    When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

    Pros & Cons
    Pros
    • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
    • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
    • Travel insurance and purchase protection
    Cons
    • Spending caps in bonus categories
    • Low points earning outside of bonus categories
    Read Full Review
    Card Highlights
    • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC
    Financial Snapshot
    • APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    Ink Business Unlimited® Credit CardTerms Apply / Rates & Fees
    Ink Business Unlimited® Credit Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

    Apply Now(at Chase's secure site)
    Ink Business Unlimited® Credit Card
    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $750
    $750
    $0
    0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)
    Why We Like This Card

    As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

    If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

    Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

    Pros & Cons
    Pros
    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
    Cons
      • 3% foreign transaction fee
    Read Full Review
    Card Highlights
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC
    Financial Snapshot
    • APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Plan your next large business purchases with 12 months to repay with no interest charges with either of these Chase business credit cards.

    Both of these business cards offer a generous welcome bonus offer, have similar redemption options, and come with several travel and shopping benefits.

    You can also transfer Ultimate Rewards points earned on either card to premium Chase credit cards such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card for up to 50% more value for travel redemptions.

    Upgrade your travel experience

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    Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.

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