The 6 Best 0% APR Credit Cards for Up To 18 Months (September 2023)
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Top Picks (Summary)
| Card | Welcome Offer and Annual Fee | 0% APR Period for Purchases | 0% APR Period for Balance Transfers |
| Chase Freedom Unlimited® |
| 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%. | |
| Citi® Double Cash Card |
| No purchase APR offer is available. | 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 19.24% - 29.24% |
| Ink Business Unlimited® Credit Card |
| 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter | No balance transfer offer is available. |
The Best 0% APR Personal Cards for Purchases & Balance Transfers
If you’re looking for a 0% APR credit card, you’ll want to 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 will earn travel rewards, cash-back, or have a generous sign-up bonus.
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 some suggestions for 0% APR cards to consider for purchases.
Chase Freedom Unlimited® – Best for Earning Travel Rewards (Top Pick)
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!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.
Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Pros
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- 5% back on travel purchased through Chase Ultimate Rewards
- 3% back on dining and drugstore purchases
- 1.5% back on all other purchases
- No annual fee
- Earn big on travel purchased through Chase Ultimate Rewards
- Everyday bonus on dining and drugstores
- Straightforward cash-back on all other purchases
- Ability to pool points
Cons
- 3% foreign transaction fee
- 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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, real-time alerts, and more.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Benefits of the Chase Freedom Unlimited
- Chase Freedom Unlimited Requirements and Credit Score
- Car Rental Benefits of the Chase Freedom Unlimited
- Chase Freedom Unlimited vs Chase Freedom Flex
- Chase Freedom Unlimited vs Sapphire Preferred
- Amex Blue Cash Everyday vs Chase Freedom Unlimited
- Best 0% Interest Credit Cards
- Best Everyday Credit Cards
- Best Credit Cards for Bills and Utilities
- Best Instant Use Credit Cards
The Freedom Unlimited offers 5% cash-back earnings on travel via the Chase travel portal 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 opt to 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 — Earn Cash-Back on Everyday Purchases
Terms Apply / Rates & FeesBlue 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!
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!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
- 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.
- Monthly credit towards The Disney Bundle
- Monthly credit towards Home Chef
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.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Financial Snapshot
- APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
- Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Card Categories
- Find the Amex Blue Cash Everyday Card $250 Welcome Bonus Offer
- Benefits of the Blue Cash Everyday
- Amex Blue Cash Everyday vs. Amex Blue Cash Preferred
- Amex Blue Cash Everyday vs Chase Freedom Unlimited
- Amex Gold vs Blue Cash Everyday
- Amex Blue Cash Everyday vs Chase Freedom Flex
- Best 0% Interest Credit Cards
- Best Credit Cards for Groceries and Supermarkets
- Best Everyday Credit Cards
- Best Credit Cards for Authorized Users
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 would 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 that can be earned on this card, and depending on the amount of your large purchase, the welcome bonus (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.
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 2x Points on Every Purchase
Citi® Double Cash Card
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!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
- 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
- Lack of premium travel benefits
- 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 on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
Financial Snapshot
- APR: 19.24% - 29.24% Variable
- Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Card Categories
Rewards Center
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 & Ink Business Unlimited® Credit Card — Best for Earning Travel Rewards
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.
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.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 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
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
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- No annual fee
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 3% foreign transaction fees
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Chase Ink Business Cash $900 Welcome Bonus Offer
- Benefits of the Chase Ink Business Cash
- Ink Business Cash vs Ink Business Preferred
- Ink Business Cash vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Cards with No Annual Fee
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
Ink Business Cash® 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.
Ink Business Cash® 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.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 18.49% - 24.49% thereafter
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- Earn flexible rewards
Cons
- 3% foreign transaction fee
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
Plan your next large business purchase(s) with 12 months to repay with no interest charges with either of these Chase business credit cards.
You’ll find that both of these business cards offer a generous welcome bonus, have similar redemption options, and come with several travel and shopping benefits.
You’ll also be able to 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.
For rates and fees of the Blue Cash Everyday® from American Express, click here.