Best 0% Credit Cards of 2023 for you to finance debt or make new purchases interest-free for up to 21 months. You can refinance your high-interest credit cards or finance this year’s family vacation interest-free.
Credit card issuers are competing for a space in your wallet. You can benefit from the industry’s fierce competition if you use credit cards wisely.
The average annual percentage rate (APR) on credit cards is 17.8 percent. If you have a good credit score, you should think about applying for one of the best 0% introductory APR credit cards and transferring your outstanding credit balance:
Best 0% Credit Cards of 2023
| Credit Card Issuer |
0% Intro APR* |
APR |
Notes |
| City Simplicity Card |
0% Intro APR on balance transfers for 21 months from date of first transfer. |
the variable APR will be 14.74% – 24.74%, based on your creditworthiness. |
All transfers must be completed in the first 4 months. |
| Wells Fargo ReflectSM Card |
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. |
12.99% to 24.99% variable APR thereafter |
Balance transfers made within 120 days qualify for the intro rate and fee. |
| U.S. BANK VISA® PLATINUM CARD |
0% introductory APR*(view terms and conditions) on purchases and balance transfers for 20 billing cycles. |
After that the APR is variable, currently 14.49%-24.49%(view terms and conditions). |
U.S. Bank Platinum Visa® Card: 0% introductory APR for the first 20 billing cycles for balances transferred within 60 days from account opening |
| Citi® Double Cash Card |
Introductory rate of 0% for 18 months from date of first transfer for balance transfers |
APR will be 13.99% – 23.99%, based on your creditworthiness. |
Balance transfers must be completed within 4 months of account opening. |
| Capital One SavorOne Cash Rewards Credit Card |
0% introductory APR for the first 15 months that your account is open. |
14.99%, 20.99% or 24.99%, based on your creditworthiness. |
within the first 3 months from account opening |
| Chase Freedom Unlimited |
0% Intro APR on Purchases for 15 months |
14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a |
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. |
| Discover I Balance Transfer |
0% intro APR‡ for 18 months on balance transfers. |
APR: 11.99% variable to 22.99% variable, based on your creditworthiness. |
0% intro APR for 6 months from date of account opening. |
