Best 0% APR Credit Cards Of June 2025

Discover the top picks for 0% APR credit cards that blend value, savings, and financial flexibility. Our expertly curated selection showcases the best cards offering 0% interest rates for introductory periods, making them ideal for large purchases or balance transfers. With these cards, enjoy the freedom of interest-free spending and the opportunity to manage your finances more efficiently. Each card is evaluated for its introductory period length, rewards, and additional benefits to ensure you get the most out of your credit experience.

Best 0% APR Credit Cards

U.S. Bank Shield™ Visa® Card

For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74%-28.74%.

U.S. Bank Shield™ Visa® Card

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

17.74%-28.74%

Credit Score

Excellent, Good (700 – 749)

💳 U.S. Bank Shield Visa® Card – Summary

🌟 Special Offer:
0% Intro APR for 24 billing cycles on purchases and balance transfers
(Balance transfers must be completed within 60 days of account opening to qualify)

📈 Interest Rates

CategoryAPR
Purchases0% intro for 24 cycles, then 17.74%–28.74%
Balance Transfers0% intro for 24 cycles, then 17.74%–28.74%
Cash Advances31.24%
Penalty APRNot applicable
Minimum Interest Charge$1.00 (if charged)
Avoiding Interest24–30 days grace period if balance is paid in full

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee5% (min $5)
Cash Advance Fee (varies by type)5% (min $5–$10 depending on method)
Foreign Transaction Fee3% of each transaction
ExtendPay® Monthly FeeUp to 1.6% of original principal (fixed per plan)

⚠️ Penalty Fees

Late PaymentUp to $41
Returned PaymentUp to $41
OverlimitNone

ℹ️ Other Notes

  • Your post-intro APR will vary based on your credit profile and the U.S. Prime Rate.
  • No Penalty APR is applied.
  • Overdraft Protection Advance fee: None

Wells Fargo Reflect® Card

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Wells Fargo Reflect® Card

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

17.24%, 23.74%, or 28.99%

Credit Score

Excellent, Good (700 – 749)

💳 Wells Fargo Reflect® Visa Card – Summary

🔥 Key Intro Offer:
0% Intro APR for 21 months on purchases and balance transfers
(From account opening; balance transfers must be requested within 120 days)

📈 Interest Rates

TypeAPR
Purchases0% intro for 21 months, then 17.24%–28.99%
Balance Transfers0% intro for 21 months, then 17.24%–28.99%
Cash Advances29.99%
Overdraft Protection29.99%
Minimum Interest Charge$1.00 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee5% (min $5)
Cash Advance FeeGreater of $10 or 5%
Foreign Transaction Fee3% of each transaction (converted to USD)
Late Payment FeeUp to $40

⚠️ Other Notes

  • Offers may vary depending on where you apply.
  • You may not qualify for intro APRs if you’ve had the Reflect® Card in the past 48 months.
  • To avoid interest on purchases, pay your full balance by the due date (at least 25 days after billing cycle ends).

Citi Double Cash® Card

0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.

Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.

Picture of the Citi Double Cash® Card

Cash Back

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

💳 Citi Double Cash® Credit Card – Summary

💰 Rewards:

  • Earn 2% Unlimited Cash Back
    • 1% when you buy + 1% as you pay
  • $200 Cash Back Bonus
    After spending $1,500 in the first 6 months
  • No category restrictions or earning caps
  • Special Travel Offer:
    5% total cash back on hotels, car rentals, and attractions booked through Citi Travel℠ (until 12/31/2025)

📈 Interest Rates

TypeAPR
Purchases18.24%–28.24% (variable, based on creditworthiness)
Balance Transfers0% intro for 18 months (transfers within 4 months), then 18.24%–28.24%
Cash Advances29.49% (variable)
Citi Flex Plan18.24%–28.24% (variable)
Penalty APRUp to 29.99% (may apply indefinitely after late/returned payment)
Minimum Interest Charge$0.50 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee3% (min $5) for 4 months; then 5% (min $5)
Cash Advance FeeGreater of $10 or 5% of each transaction
Foreign Transaction Fee3% of each purchase in U.S. dollars
Citi Flex Plan FeeUp to 1.72% monthly (based on balance, APR, and plan duration)

⚠️ Penalty Fees

Late PaymentUp to $41
Returned PaymentUp to $41

ℹ️ Other Notes

  • Grace Period: At least 23 days if you pay your entire balance (excluding Citi Flex Plan) and monthly Citi Flex Plan Payment on time.
  • Penalty APR may be applied indefinitely for late or returned payments.

Bank of America® Customized Cash Rewards credit card

Low Intro APRon purchases and qualifying balance transfers for 15 billing cycles

Earn 3% cash backin the category of your choice

Bank of America® Customized Cash Rewards credit card

Reward Bonus

$200

Annual Fee

$0

Regular APR

18.24%–28.24%

Credit Score

Excellent, Good (700 – 749)

💳 Bank of America® Customized Cash Rewards Card – Summary

🎁 Welcome Bonus:
$200 online cash rewards bonus after spending $1,000 in the first 90 days

💵 Cash Back Rewards:

  • 3% cash back in a category of your choice (e.g., gas, online shopping, dining, etc.)
  • Additional tiers apply (not listed here, but commonly include 2% at grocery stores & wholesale clubs, 1% on other purchases)
  • No annual fee and no enrollment required for rotating categories

🕒 Intro APR:

  • 0% Intro APR for 15 billing cycles on:
    • Purchases
    • Balance transfers (made within 60 days)
  • After that: 18.24%–28.24% variable APR (based on credit)

📈 Interest Rates

CategoryAPR
Purchases0% intro for 15 billing cycles, then 18.24%–28.24%
Balance Transfers0% intro for 15 billing cycles (within 60 days), then 18.24%–28.24%
Cash Advances (Direct Deposit/Check)21.24%–28.24% variable
Cash Advances (ATM/Other)28.24% variable
Penalty APRUp to 29.99% (may apply indefinitely after a late payment)
Minimum Interest ChargeNot specified (usually applies if any interest is charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee3% for 60 days, then 4%
Cash Advance Fee4% for direct deposit/checks; 5% for ATM/other methods
Foreign Transaction Fee3% of the transaction (in USD)
Custom Pay Plan Fee1.72% of the purchase amount moved to a plan (monthly fixed fee)

⚠️ Penalty Fees

Late PaymentUp to $40

ℹ️ Other Notes

  • Due Date: At least 25 days after billing cycle ends
  • No interest on purchases if full balance or Interest Saving Balance is paid by due date
  • Interest starts immediately on balance transfers and cash advances

Citi Custom Cash℠ Card

Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers must be completed within 4 months of account opening.

Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent.

Earn 1% cash back thereafter on all other purchases

Citi Custom Cash℠ Card

Cash Back

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

💳 Citi Custom Cash® Card – Summary

💰 Rewards:

  • 5% cash back on your top eligible spending category each billing cycle (up to $500 in purchases)
  • 1% cash back on all other purchases
  • Special Travel Offer: +4% bonus on hotels, car rentals, and attractions via Citi Travel℠ (through 6/30/2026)

🎁 Welcome Bonus:
$200 cash back after spending $1,500 within the first 6 months

✅ Other Benefits:

  • $0 annual fee
  • $0 liability on unauthorized charges

📈 Interest Rates

TypeAPR
Purchases0% intro for 15 months, then 18.24%–28.24% (variable)
Balance Transfers0% intro for 15 months (transfers within 4 months), then 18.24%–28.24% (variable)
Cash Advances29.49% (variable)
Citi Flex Plan18.24%–28.24% (variable)
Penalty APRUp to 29.99% (may apply indefinitely for late/returned payments)
Minimum Interest Charge$0.50 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer FeeGreater of $5 or 5% per transfer
Cash Advance FeeGreater of $10 or 5% per advance
Foreign Transaction Fee3% of each transaction (in USD)
Citi Flex Plan FeeUp to 1.72% monthly (fixed charge based on plan details)

⚠️ Penalty Fees

Late PaymentUp to $41
Returned PaymentUp to $41

ℹ️ Other Notes

  • Grace Period: At least 23 days to avoid interest if full balance (excluding Citi Flex Plan) is paid plus monthly Flex Plan payment
  • Penalty APR may apply indefinitely after a late or returned payment

Wells Fargo Active Cash® Card

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 19.24%, 24.24% or 29.24%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.

Earn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations

Wells Fargo Active Cash® Card

Reward Bonus

$200

Annual Fee

$0

Regular APR

19.24%, 24.24% or 29.24%

Credit Score

Excellent, Good (700 – 749)

💳 Wells Fargo Active Cash® Card – Summary

💰 Rewards:

  • Unlimited 2% cash rewards on all purchases — no categories, no caps, no activations
  • $200 cash rewards bonus after spending $500 in the first 3 months

✅ Extra Perks:

  • $0 annual fee
  • No rotating categories or tracking required

🕒 Intro APR Offer:

  • 0% intro APR for 12 months on purchases and balance transfers
    (Balance transfers must be made within 120 days of account opening)
  • After that: 19.24%, 24.24%, or 29.24% variable APR based on creditworthiness

📈 Interest Rates

TypeAPR
Purchases0% intro for 12 months, then 19.24%–29.24% (variable)
Balance Transfers0% intro for 12 months (within 120 days), then 19.24%–29.24%
Cash Advances29.99% (variable)
Overdraft Protection29.99% (variable)
Minimum Interest Charge$1.00 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee3% (min $5) for 120 days, then up to 5% (min $5)
Cash Advance FeeGreater of $10 or 5% per advance
Foreign Transaction Fee3% of each transaction (converted to USD)

⚠️ Penalty Fees

Late PaymentUp to $40

ℹ️ Other Notes

  • You may not be eligible for intro APRs or bonus rewards if you’ve had a Wells Fargo Active Cash® Card in the last 48 months.
  • To avoid interest, pay your full balance by the due date (at least 25 days after billing period ends).