Best 0% APR & Low Interest Credit Cards for 2023

Credit cards are infamous for having higher rates of interest than numerous other forms of financing, but certain 0% APR cards allow you to skip paying interest on buying things, transfers of balances, or both during promotional 0% APR duration’s.

When evaluating 0% APR credit cards, keep in mind that some lack other benefits like as bonuses and other privileges and may not prove useful when the promotional period expires.

We’ve compiled a list of some of our favorite 0% APR credit cards to help you determine which one is best for you.

Active Cash® Card from Wells Fargo

It’s simple to understand how this Wells Fargo Active Cash® Card has become so popular. It earns an infinite 2% back in cash on purchases, placing it up against the top a one-time money-back cards on the market right now. Furthermore, the card provides with an excellent beginning APR deal, which makes it our favorite option in this category.

There is no annual fee.

Intro APR Offer: zero percent initial interest on transactions and qualified transfers of balances for a period of fifteen months following account activation, followed by a variable APR of 20.64%, 26.04%, or 21.29%.

The transfer of balance made within 120 days are eligible to receive an introductory rate and fee of 3%, followed by an additional charge of as high as 5%, with a minimum charge of $5.

Chase Freedom FlexSM

The Chase Freedom FlexSM* has the muscle to cope with almost all of the credit card expenditure demands without charging an exorbitant fee. The card features no annual charge and came with a boosted earnings scheme that cover a wide range of expenditures, as well as a substantial rewards system.

There is no annual fee.

Intro APR Offer: 0% intro APR on transactions and transfer of funds for a period of 15 months from the date of account opening, thereafter an adjustable APR of 20.49% – 29.24% applies. The initial payment transfer fee is $5 or 3% of the transfer amount.

Balance Transfer Fee: $5 or 5% for every transaction amount, whatever is higher.

Wells Fargo Reflect® Credit Card

The Wells Fargo Reflect® Card is useful for anybody wishing to pay off debt or spread expenditures on a significant, new purchase. The extended promotional rate on newly made purchases and qualified balance transfers is the most important selling factor of this card—the longest 0% promotional offer on the two types of balance transfers and transactions on our list.

There is no annual fee.

Intro APR Offer: 0% intro APR on purchases and qualified debt conversions for a period of 21 months from the date of account opening. Following that, a variable APR of 18.24%, 24.74%, or 29.99% applies. Balance transfers completed within a 120-day period are eligible for the initial APR and a 5% balance transfer charge (minimum $5).

Fee for Balance Transfer: 5%; minimum: $5

Visa® Platinum Card from US Bank *

If you want one of the most greatest potential runways for paying off an expensive item or pay back current debts, the U.S. Bank Visa® Platinum Card* offers one of the best possibilities. The extended 0% intro APR on purchase and debt transferring is the primary benefit and the most compelling argument to choose this card.

There is no annual fee.

Introductory APR: 0% intro APR on purchases and transfers of balances for 18 payment cycles, subsequently followed by a variable APR ranging from 18.24% to 20..74%. Balance transfers are subject to a cost of 3% or $5, whichever is greater.

Balance Transfer Fee: 3% for each transfer transaction or $5 the very least, whichever is greater.

Chrome Discover it®

The Discover it® Chrome was created for customers who spent the majority of their money at gas pumps and restaurant and may profit from the introductory APR rate on purchase and transfers of balances.

discover cards all have their unique take on the initial bonus: you’re going to receive a Money back Match – just from Discover. At the end of the first year, Discover will graciously match all cash return collected.

There is no annual fee.

Intro APR Offer: 0% starting APR on purchases and qualifying transfers of funds for a period of 15 months. Then an individual rate of 17.24% – 28.24% is applied.

Balance Transfer Fee: 3% for the first balance transfer, up to 5% for subsequent balance transfers