Best 0% APR Credit Cards on Purchases – February 2023

These cards offer a 0% APR on new purchases for as long as 20 months. The list is ranked based on the length of the 0 interest offer, but check details if you want cash back or travel rewards as well, because not every card listed has them! (Also see our Best Balance Transfer Credit Cards List if you want to transfer a balance with zero interest.)

U.S. Bank Visa® Platinum Card0% APR Offer: 0% introductory APR on purchases for the first 18 billing cycles. After that, 18.74% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. No annual fee.

 

Citi Custom Cash℠ Card0% APR Offer: Introductory rate of 0% for 15 months from the date of account opening on purchases. After the introductory period ends, a variable APR of 18.24% – 28.24%, based on your creditworthiness.

AND MUCH MORE: No-brainer opportunity to earn 5% cash back in the everyday category you shop most each month, with no annual fee! EARN: 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter and on all other purchases. The 5% eligible categories are: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn $200 cash back after you spend $1500 on purchases in the first 6 months of account opening.

Chase Freedom Flex℠0% APR Offer: 0% Intro APR for the first 15 months that your Account is open. After that, 19.24% to 27.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

AND MUCH MORE: Good everyday earnings, plus the opportunity to earn 5% cash back in certain purchases throughout the year, all with no annual fee! Earn: 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

 

Blue Cash Everyday® Card from American Express0% APR Offer: 0% introductory APR for the first 15 months from the date of account opening. After that, your APR will be 18.24% to 29.24%, based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.

AND MUCH MORE: Earn 3% cash back on groceries 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 in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. No annual fee. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $200 statement credit after you spend $2000 in purchases on your new Card within the first 6 months. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

Capital One SavorOne Cash Rewards Credit Card0% APR Offer: 0% introductory APR for the first 15 months that your account is open. After that, your APR will be a variable 19.24% – 29.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

AND MUCH MORE: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee! Earn 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. EARLY SPEND BONUS: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

 

U.S. Bank Cash+® Visa Signature® Card0% APR Offer: 0% introductory APR for the first 15 billing cycles. After that, 18.74% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

AND MUCH MORE: 5% cash back in purchasing categories not often found in today’s market & an overall good rewards formula. EARN: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, as well as 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center. In addition, earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants, and 1% cash back on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

 

Capital One Quicksilver Cash Rewards Credit Card 0% APR Offer: 0% introductory APR for the first 15 months that your account is open. After that, your APR will be a variable 19.24% – 29.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

AND MUCH MORE: Easy-to-understand cash back credit card gives 1.5% cash back on every purchase you make with the card, so it’s not necessary to think about different purchasing categories. No annual fee to worry about, either. EARLY SPEND BONUS: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

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Author: Adam Jusko