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Top 20 Best 0% APR Credit Cards in 2025 for Balance Transfers, Cashback & Rewards

April 19, 2025 ,

🔥 Top 20 Best 0% APR Credit Cards in 2025 for Balance Transfers, Cashback & Rewards 💳✨

Looking to save money on interest in 2025? A 0% APR credit card might be just what you need—whether you're planning a big purchase, consolidating debt, or simply want some breathing room to manage your finances smarter.

These cards offer a limited-time break from interest (typically 12 to 21 months) on purchases, balance transfers, or both. That means more flexibility, less pressure, and a chance to stay ahead financially. 💳

But with dozens of options available, picking the right card can feel overwhelming. Should you go for the longest intro period? A card with cashback rewards? Or maybe one with no fees?

Don’t worry—we’ve done the homework for you. In this guide, we’re revealing the top 20 best 0% APR credit cards for 2025, broken down by the features that matter most. Let’s dive in and find the perfect fit for your wallet! 🚀

What is a 0% APR Credit Card? 🤷‍♂️

A 0% APR credit card offers an introductory period during which no interest is charged on purchases, balance transfers, or both. 🏦 This can last from 12 to 21 months, depending on the card issuer, allowing you to pay off your balances or make new purchases without the burden of high interest rates. 💳💰

Why Should You Consider a 0% APR Card?

  1. Save Money: 🌟 Pay down debt faster without accruing interest.

  2. Large Purchases: 🏠 Buy expensive items like furniture or appliances and pay them off over time.

  3. Earn Rewards: 🏆 Stack up cashback or points while you save on interest.

Top 20 Best 0% APR Credit Cards for 2025

1. Citi® Diamond Preferred® Card 💎

  • Intro APR: 0% for 21 months on balance transfers; 12 months on purchases

  • Regular APR: 17.99%–28.74% variable

  • Annual Fee: $0

  • Best For: Long balance transfer periods

  • Highlights: This card provides one of the longest 0% APR periods available, making it perfect for consolidating debt! 🏦💳

2. Wells Fargo Reflect® Card 🔄

  • Intro APR: 0% for up to 21 months on purchases and qualifying balance transfers

  • Regular APR: 17.99%–29.99% variable

  • Annual Fee: $0

  • Best For: Extended interest-free periods

  • Highlights: A standout for a long, combined 0% APR period on both purchases and balance transfers. Great for large debt consolidation and big purchases. 🛍️

3. U.S. Bank Visa® Platinum Card 💳

  • Intro APR: 0% for 20 billing cycles on purchases and balance transfers

  • Regular APR: 18.74%–29.74% variable

  • Annual Fee: $0

  • Best For: Large purchases and balance transfers

  • Highlights: This card offers a generous 0% APR for a full 20 months on both purchases and balance transfers. A great choice if you’re looking to make a significant purchase and spread out the payments. 🏡💸

4. Citi® Double Cash Card 💰

  • Intro APR: 0% for 18 months on balance transfers

  • Regular APR: 18.99%–28.99% variable

  • Annual Fee: $0

  • Best For: Cashback on every purchase

  • Highlights: Earn 2% cashback—1% when you buy, 1% when you pay. If you’re looking to pay off debt while earning cashback, this is a solid choice! 🏅💵

5. Discover it® Balance Transfer 💸

  • Intro APR: 0% for 18 months on balance transfers; 6 months on purchases

  • Regular APR: 17.24%–28.24% variable

  • Annual Fee: $0

  • Best For: Rotating cashback categories

  • Highlights: With 5% cashback in rotating categories (like restaurants and Amazon.com), this card can help you maximize savings while paying off debt. Plus, Discover will match all your cashback at the end of your first year! 🎉

6. Chase Freedom Unlimited® 💳

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 20.49%–29.24% variable

  • Annual Fee: $0

  • Best For: Unlimited cashback

  • Highlights: Earn 1.5% cashback on all purchases, with higher rates for bonus categories (like 3% on dining). Ideal for everyday purchases! 🍔💵

7. Capital One Quicksilver Cash Rewards Credit Card 💸

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 19.24%–29.24% variable

  • Annual Fee: $0

  • Best For: Simple cashback structure

  • Highlights: 1.5% unlimited cashback on every purchase. It’s straightforward and doesn’t require rotating categories or complicated sign-ups. 🎯

8. Chase Freedom Flex℠ 💳

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 20.49%–29.24% variable

  • Annual Fee: $0

  • Best For: Rotating bonus categories

  • Highlights: Earn 5% cashback on rotating quarterly categories, 3% on dining and drugstores, and 1% on other purchases. Get ready to maximize your cashback! 🏪🍽️

9. Blue Cash Everyday® Card from American Express 💙

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 19.24%–29.99% variable

  • Annual Fee: $0

  • Best For: Everyday spending

  • Highlights: Get 3% cashback at U.S. supermarkets, U.S. gas stations, and select online retailers (up to $6,000 per year). 💳🛒

10. Wells Fargo Active Cash® Card 💵

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 20.24%–29.99% variable

  • Annual Fee: $0

  • Best For: Straightforward 2% cashback

  • Highlights: 2% cashback on every purchase, making it an easy-to-use card for cashback enthusiasts! 🙌

11. Citi Custom Cash® Card 💳

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 19.24%–29.24% variable

  • Annual Fee: $0

  • Best For: Customized cashback categories

  • Highlights: Earn 5% cashback on your top eligible spending category (up to $500 spent each month) and 1% on all other purchases. Tailor your rewards to your spending! 💳💰

12. HSBC Gold Mastercard® Credit Card 💳

  • Intro APR: 0% for 18 months on purchases and balance transfers

  • Regular APR: 13.99%–23.99% variable

  • Annual Fee: $0

  • Best For: Low ongoing APR

  • Highlights: If you’re planning to carry a balance after the intro period, this card has one of the lowest regular APRs. 🏦

13. PNC Core® Visa® Credit Card 💳

  • Intro APR: 0% for 15 billing cycles on purchases and balance transfers

  • Regular APR: 18.24%–29.24% variable

  • Annual Fee: $0

  • Best For: No-frills balance transfers

  • Highlights: A no-nonsense credit card for balance transfers with no annual fee. 🏦💡

14. Fifth Third Truly Simple® Credit Card 🔑

  • Intro APR: 0% for 18 billing cycles on purchases and balance transfers

  • Regular APR: 17.24%–28.24% variable

  • Annual Fee: $0

  • Best For: Straightforward terms

  • Highlights: No penalty APR and no late fees. 💳💰

15. Navy Federal Platinum Credit Card 🇺🇸

  • Intro APR: 0% for 12 months on balance transfers

  • Regular APR: 7.49%–18.00% variable

  • Annual Fee: $0

  • Best For: Military members

  • Highlights: Exclusive benefits for military members, including a low regular APR and no balance transfer fees. 🏅

16. PenFed Gold Visa® Card 💳

  • Intro APR: 0% for 12 months on balance transfers

  • Regular APR: 17.99%–18.99% variable

  • Annual Fee: $0

  • Best For: Low regular APR

  • Highlights: This card offers 12 months of 0% APR on balance transfers, along with low ongoing rates. 💳🔑

17. American Express® Green Card 🌿

  • Intro APR: 0% for 12 months on purchases

  • Regular APR: 18.24%–28.24% variable

  • Annual Fee: $150

  • Best For: Travel rewards

  • Highlights: Great for travelers looking to earn 3x points on travel purchases. 🌍✈️

18. Discover it® Cash Back 💵

  • Intro APR: 0% for 14 months on balance transfers; 6 months on purchases

  • Regular APR: 17.24%–28.24% variable

  • Annual Fee: $0

  • Best For: Rotating categories & cashback match

  • Highlights: Get 5% cashback on rotating categories and match all cashback in the first year! 🎉

19. Barclaycard Ring™ Mastercard® 💳

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 14.74% variable

  • Annual Fee: $0

  • Best For: Low interest rates

  • Highlights: Offers a low ongoing APR and no annual fee. 💰

20. Bank of America® Unlimited Cash Rewards Credit Card 💳

  • Intro APR: 0% for 15 months on purchases and balance transfers

  • Regular APR: 17.24%–27.24% variable

  • Annual Fee: $0

  • Best For: Unlimited cashback

  • Highlights: Earn 1.5% cashback on every purchase, with no rotating categories or limits. 🎉

    Credit Cards with 0% APR

    Top 20 Best 0% APR Credit Cards in 2025

    Credit Card 0% APR Duration Type Annual Fee Best For
    Chase Freedom Unlimited® 15 months Purchases & Transfers $0 Cashback 💵
    Citi® Diamond Preferred® Card 21 months Balance Transfers $0 Long-term BT 🔄
    Wells Fargo Reflect® Card Up to 21 months Purchases & Transfers $0 Interest-Free Period ⏳
    Discover it® Balance Transfer 18 months Balance Transfers $0 Cashback & BT 💸
    BankAmericard® Credit Card 18 months Purchases & Transfers $0 Simplicity 🧘‍♂️
    U.S. Bank Visa® Platinum 20 months Purchases & Transfers $0 Large Purchases 💰
    Blue Cash Everyday® Card from AmEx 15 months Purchases $0 Supermarket Cashback 🛒
    Capital One Quicksilver 15 months Purchases & Transfers $0 Flat-Rate Cashback 🏦
    Citi® Double Cash Card 18 months Balance Transfers $0 2% Cashback 💸
    Chase Slate Edge℠ 18 months Purchases & Transfers $0 APR Reduction Potential 📉
    Amex EveryDay® Credit Card 15 months Purchases $0 Grocery Rewards 🥕
    Navy Federal Platinum Card 12 months Transfers $0 Members Only 🔑
    PenFed Gold Visa® 12 months Transfers $0 Low Ongoing APR 🏅
    HSBC Gold Mastercard® 18 months Purchases & Transfers $0 Global Users 🌍
    Wells Fargo Active Cash® Card 15 months Purchases & Transfers $0 Unlimited 2% Cashback 💸
    TD Clear Credit Card N/A Flat Fee Model $0 Simplicity & No APR 🧑‍💻
    Fifth Third Truly Simple® Card 18 months Purchases & Transfers $0 Low Fees 💳
    PNC Core® Visa® Credit Card 15 months Purchases & Transfers $0 APR Simplicity 💼
    Regions Prestige Visa® 15 months Purchases & Transfers $0 Local Banking Bonus 🏦
    BMO Platinum Mastercard® 20 months Transfers $0 Longest BT Option ⏳

How to Choose the Right 0% APR Credit Card for You? 🤔

Choosing the right card depends on your needs:

  • Balance Transfers: If you're transferring debt, look for long 0% APR periods and low balance transfer fees.

  • Purchases: For big purchases, pick cards with long interest-free periods on purchases.

  • Cashback & Rewards: If you want to earn rewards, choose cards with cashback or travel points in categories that match your spending. 

    🧠 Expert Tips Before You Apply

    • Always check your credit score — most of these require good to excellent credit (670+)

    • Understand the post-intro APR — once the 0% period ends, rates vary from 17%–29%

    • Calculate balance transfer fees — most charge 3%-5%

    • Use the 0% period wisely — avoid overspending and stick to your payoff plan

Final Thoughts 🧐

Finding the best 0% APR credit card in 2025 can help you manage debt, make large purchases, and earn rewards without the added burden of high-interest rates. 🏦💳 Each of the cards listed above offers great introductory periods for balance transfers, purchases, or both! Select the one that aligns best with your financial goals, and start saving today. 💰💪 


💬 What’s Your Favorite 0% APR Card?

Drop a comment below and let us know your experience with any of these cards. Or, if you’re planning a big purchase or debt consolidation move, share your strategy. Let’s talk smart money moves in 2025! 

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