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Best 0% APR Credit Cards of

June 2026

Planning a big purchase? Choose a card with 0% intro APR on purchases to spread costs interest-free during the promo.

Credit CardOur Rating & Details
Chase Freedom Flex® Credit CardChase Freedom Flex® Credit CardLearn More
Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% Intro APR on Purchases for 15 months
Purchase APR18.24% - 27.74% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn More

on BankRate.com's secure site

Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% on purchases for 12 months
Purchase APR18.49% - 28.49% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Capital One VentureOne Rewards Credit CardCapital One VentureOne Rewards Credit CardLearn More

on BankRate.com's secure site

Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% on purchases for 15 months
Purchase APR18.49% - 28.49% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Chase Freedom Unlimited®Chase Freedom Unlimited®Learn More
Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% Intro APR on Purchases for 15 months
Purchase APR18.24% - 27.74% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Blue Cash Everyday® Card from American ExpressBlue Cash Everyday® Card from American ExpressLearn More

on BankRate.com's secure site

Rates & Fees; Terms Apply
Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% on purchases for 15 months
Purchase APR19.49%-28.49% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn More

on BankRate.com's secure site

Rates & Fees; Terms Apply
Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% on purchases for 12 months
Purchase APR19.49%-28.49% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit CardLearn More

on BankRate.com's secure site

Our Rating

MoneyAtlas

Rating

Intro Purchase APR0% on purchases for 15 months
Purchase APR18.49%-28.49% Variable
Credit Score
Rate MeterRate Pointer
Good, Excellent
Best For Backup Grocery Rewards

Chase Freedom Flex® Credit Card

Chase Freedom Flex® Credit Card

MoneyAtlas

Rating

Learn More
$200 bonus

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Ongoing Purchase APR

18.24% - 27.74% Variable

Ongoing Annual Fee

$0
Best For Dining

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

MoneyAtlas

Rating

Learn More
on BankRate.com's secure site
Earn $250

Intro Purchase APR

0% on purchases for 12 months

Ongoing Purchase APR

18.49% - 28.49% Variable

Ongoing Annual Fee

$0
Great Bonus With 0% APR

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

MoneyAtlas

Rating

Learn More
on BankRate.com's secure site
Earn 20,000 miles

Intro Purchase APR

0% on purchases for 15 months

Ongoing Purchase APR

18.49% - 28.49% Variable

Ongoing Annual Fee

$0
Best Standalone Rewards Card

Chase Freedom Unlimited®

Chase Freedom Unlimited®

MoneyAtlas

Rating

Learn More
Earn $200 cash back

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Ongoing Purchase APR

18.24% - 27.74% Variable

Ongoing Annual Fee

$0
Best For Online Purchases

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

MoneyAtlas

Rating

Learn More
on BankRate.com's secure siteRates & Fees; Terms Apply
As High As $200 Cash Back. Find Out Your Offer.

Intro Purchase APR

0% on purchases for 15 months

Ongoing Purchase APR

19.49%-28.49% Variable

Ongoing Annual Fee

$0
Best For Groceries

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

MoneyAtlas

Rating

Learn More
on BankRate.com's secure siteRates & Fees; Terms Apply
As High As $300 Cash Back. Find Out Your Offer.

Intro Purchase APR

0% on purchases for 12 months

Ongoing Purchase APR

19.49%-28.49% Variable

Ongoing Annual Fee

$0 intro annual fee for the first year, then $95.
Best For Simple Cash Back

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

MoneyAtlas

Rating

Learn More
on BankRate.com's secure site
Earn $200

Intro Purchase APR

0% on purchases for 15 months

Ongoing Purchase APR

18.49%-28.49% Variable

Ongoing Annual Fee

$0

Best 0% APR Credit Cards 2026

Landing a card with a 0% intro APR on purchases is a smart way to finance a big buy interest-free - if you plan the payoff. The clock starts at account opening, and when the intro ends, any remaining balance shifts to the card’s regular variable APR. The guide below shows you how to pick the right 0% purchase APR card. Always verify the promo length, start date, and go-to APR in the issuer’s latest terms before you apply.

How 0% Purchase APR Credit Cards Work

During the intro window, new purchases don’t accrue interest. After it ends, any unpaid amount accrues at the card’s variable APR. Payments are still reported to the bureaus - on time, shrinking balances can help your profile.

Pros

  • Interest-free runway for new purchases.

  • Potential credit benefits from on-time payments.

  • Can smooth cash flow without finance charges.

Cons

  • Firm deadline - miss it and standard APR applies to what’s left.

  • Risk of overspending if you don’t map a payoff plan.

  • Regular APR can be high once the promo ends.

Types of 0% APR Credit Cards

Card Type Ideal User Insights
0% Purchases Only Financing a planned expense Great for spreading the cost of a renovation, wedding, or tech upgrade over time without interest.
0% Balance Transfer Only Paying off existing debt Look for the lowest transfer fee and the longest promo you can qualify for; avoid new purchases until the balance is gone.
Dual 0% Intro (Purchases + Transfers) Both new spending and old balances Handy if you need flexibility, but dual offers sometimes come with shorter promo lengths or higher transfer fees.
Low Ongoing Rate + Short 0% Intro Long-term revolvers A modest promo period paired with a below-average go-to APR cushions future borrowing costs once the intro ends.
Secured or Rebuilder 0% Credit starters & rebuilders Rare, but a few secured cards now include brief 0% purchase windows—use them to establish payment history without finance charges.

Key Features to Compare

  • Promo Length (Purchases): Choose enough time to finish comfortably.
  • Start Trigger: Does the clock start at account opening or first purchase
  • Go-To APR: Matters if any balance might linger after the promo.
  • Grace-Period Policy: Know how returns/credits affect your statement and timing.
  • Perks: Rewards and protections are nice—don’t let them encourage extra spend.

Five-Step Selection Framework

  1. Check Your Score to target realistic approvals.
  2. Define the Purchase(s) you’ll finance.
  3. Map a Payoff Schedule to zero out at least one statement early.
  4. Confirm Terms: promo length, start date, go-to APR.
  5. Autopay + Alerts 90 and 30 days before the promo ends.

Smart Usage Tips

  • Front-load payments to shrink principal early.
  • Avoid carrying past the deadline—that’s when costs spike.
  • Keep everyday spending disciplined so the balance stays manageable.
  • Track returns and statement cutoffs; refunds don’t extend the promo.

30+

Cards reviewed

0%

Intro period audit

40+

Data points per card

Our Methodology

How we picked the best 0% APR cards

Cards are scored on the length and value of their intro APR offer.

Intro APR length

Months of 0% APR for purchases and transfers, plus how long the window stays open after opening.

Balance-transfer fees

Transfer fee percentage and how it factors into the all-in cost of moving a balance to this card.

Regular APR after intro

Go-to APR range after the intro and how it benchmarks against the prime rate for a typical applicant.

Rewards during intro

Rewards earning in the intro window plus statement credits worth using before the rate resets.

FAQs