10 Top 0% APR Credit Cards in 2025: Pros, Cons, and Key Details

Are you looking for the best credit cards with 0% APR to help you save on interest and manage your finances more effectively? Whether you’re trying to pay off high-interest credit card debt, spread out payments for a large purchase, or simply take advantage of interest-free financing, a 0% APR credit card can be a game-changer. These cards offer an introductory period during which you won’t be charged interest on purchases, balance transfers, or both. This gives you the flexibility to pay off your balances without worrying about accumulating interest, but the key is finding the card that best suits your needs.

With so many options on the market, the decision can feel overwhelming. Some cards stand out for their lengthy 0% APR periods, allowing you more time to pay down balances. Others combine interest-free financing with lucrative rewards programs, making them ideal for those who want to earn cash back or points while managing debt. Additionally, factors like balance transfer fees, annual fees, and ongoing APRs play a significant role in determining which card offers the most value for your financial situation.

In this guide, we’ll explore the top ten 0% APR credit cards available today. We’ll cover their introductory offers, APR terms, fees, and rewards structures while also breaking down the pros and cons of each card. Whether your priority is maximizing interest-free time, avoiding fees, or earning cash back, we’ve done the research to help you make an informed choice.

By the end of this review, you’ll have a clear understanding of how each card works and which one might align with your financial goals. Let’s dive into these top 0% APR credit cards and find the one that’s right for you!

10 Top 0% APR Credit Cards in 2025

1. Wells Fargo Reflect® Card

• Intro Offer: 0% APR for up to 21 months on purchases and qualifying balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: None.

Pros:

• Industry-leading 21-month 0% APR period, perfect for paying off large balances over time.
• No annual fee keeps costs low.

Cons:

• No rewards program, so there’s no ongoing value once the balance transfer is paid off.
• Balance transfer fee of 3% for transfers within 120 days (5% thereafter).

2. Citi Simplicity® Card

• Intro Offer: 0% APR for 21 months on balance transfers and 12 months on purchases.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: None.

Pros:

• Extended 0% APR period on balance transfers, ideal for debt consolidation.
• No late fees or penalty APR, offering added flexibility for occasional missed payments.

Cons:

• High balance transfer fee of 5%, which can increase costs for transferring large balances.
• No rewards program for ongoing purchases.

3. U.S. Bank Visa® Platinum Card

• Intro Offer: 0% APR for 20 billing cycles on purchases and balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: None.

Pros:

• Long 0% APR period for purchases and balance transfers.
• No annual fee.
• Additional benefits like cell phone protection.

Cons:

• No rewards program, limiting long-term value.
• Balance transfer fee of 3% (minimum $5).

4. Citi® Diamond Preferred® Card

• Intro Offer: 0% APR for 21 months on balance transfers and 12 months on purchases.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: None.

Pros:

• One of the longest 0% APR periods for balance transfers.
• No annual fee.
• Access to Citi Entertainment for exclusive events.

Cons:

• No rewards program for everyday spending.
• High balance transfer fee of 5%.

5. Discover it® Cash Back

• Intro Offer: 0% APR for 15 months on purchases and balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: 5% cash back on rotating categories (up to quarterly maximum) and 1% on other purchases.

Pros:

• Generous cash-back rewards, including 5% on rotating categories and unlimited 1% on other purchases.
• Cashback Match™ doubles all cash back earned in the first year.
• No annual fee.

Cons:

• Balance transfer fee of 3%, which increases to 5% for future transfers.
• Requires activation to earn 5% on rotating categories.

6. Wells Fargo Active Cash® Card

• Intro Offer: 0% APR for 15 months on purchases and qualifying balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: 2% unlimited cash rewards on all purchases.

Pros:

• Straightforward rewards program with unlimited 2% cash back.
• No annual fee.
• Solid 0% APR period on both purchases and balance transfers.

Cons:

• Balance transfer fee of 3% for transfers within 120 days (5% thereafter).
• Lacks bonus categories for higher rewards potential.

7. BankAmericard® Credit Card

• Intro Offer: 0% APR for 18 billing cycles on purchases and balance transfers made within the first 60 days.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: None.

Pros:

• 18-month 0% APR period offers plenty of time to pay off balances.
• No annual fee.
• Access to free FICO® Score.

Cons:

• No rewards program.
• Balance transfer fee of 3% (minimum $10).

8. Chase Freedom Unlimited® Credit Card

• Intro Offer: 0% APR for 15 months on purchases and balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: 1.5% cash back on all purchases, plus extra cash back on travel, dining, and drugstore purchases.

Pros:

• Earn 1.5% cash back on all purchases and bonus rewards in specific categories.
• No annual fee.
• Potential to earn a sign-up bonus.

Cons:

• Balance transfer fee of 3% can add costs.
• Rewards categories may require tracking to maximize benefits.

9. Citi® Double Cash Card

• Intro Offer: 0% APR for 18 months on balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: Up to 2% cash back (1% when you buy and 1% when you pay).

Pros:

• Simple and effective rewards program with up to 2% cash back.
• Long 0% APR period for balance transfers.
• No annual fee.

Cons:

• No 0% APR offer on purchases.
• Balance transfer fee of 3%.

10. Blue Cash Everyday® Card from American Express

• Intro Offer: 0% APR for 15 months on purchases and balance transfers.
• APR: Variable after the intro period.
• Annual Fee: $0.
• Rewards Rate: 3% cash back at U.S. supermarkets (up to $6,000 annually), 2% at U.S. gas stations and select department stores, and 1% on other purchases.

Pros:

• Generous cash-back rewards in everyday categories like groceries and gas.
• No annual fee.
• Strong 0% APR period for both purchases and balance transfers.

Cons:

• Spending caps on the highest cash-back categories.
• Balance transfer fee of 3% (minimum $5).

Final Thoughts On The 10 Top 0% APR Credit Cards in 2025

Selecting the best 0% APR credit card is a crucial step in managing your finances effectively, whether you’re consolidating high-interest debt or spreading out payments for a large purchase. Cards like the Wells Fargo Reflect® Card and Citi Simplicity® Card shine with their extended 21-month 0% APR periods, offering plenty of time to pay off balances without incurring interest. On the other hand, rewards-focused options like the Discover it® Cash Back and Chase Freedom Unlimited® provide added value for everyday spending while still offering competitive introductory APR periods.

While these cards can help you save on interest, it’s essential to consider potential costs, such as balance transfer fees, which range from 3% to 5% for most cards. Additionally, not all cards offer rewards or perks beyond the intro period, so think about how you plan to use the card after the 0% APR offer ends. For those who value long-term rewards, options like the Wells Fargo Active Cash® Card or Citi® Double Cash Card stand out, offering consistent cash-back rates with no annual fees.

To make the most of a 0% APR card, have a repayment plan in place. Aim to pay off your balance in full before the introductory period expires to avoid incurring the regular APR. Also, weigh the card’s other features, such as rewards, spending caps, and any added benefits like access to free FICO® scores or exclusive events.

In conclusion, the right 0% APR credit card will depend on your financial priorities. Whether you’re focused on saving money on interest, earning cash back, or enjoying a mix of both, there’s a card on this list to meet your needs. Review your options, understand the terms, and take control of your finances with confidence. With the right card, you can save money, reduce debt, and work toward financial freedom.