Best 0% APR Credit Cards Of March 2024 (2024)

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On Capital One's Website

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On Capital One's Website

This card keeps it simple but has enough to keep things interesting. It’s one of the few no annual fee cards that allows transfers to travel partners. You’ll also earn flat-rate rewards with several easy options for redeeming. It travels well, too: There are no foreign transaction fees and you’ll earn extra points for booking hotels and rental cars through Capital One’s travel portal.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies

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On Capital One's Website

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On Capital One's Website

This card keeps it simple but has enough to keep things interesting. It’s one of the few no annual fee cards that allows transfers to travel partners. You’ll also earn flat-rate rewards with several easy options for redeeming. It travels well, too: There are no foreign transaction fees and you’ll earn extra points for booking hotels and rental cars through Capital One’s travel portal.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies

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On U.S. Bank's Website

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On U.S. Bank's Website

Considering that the U.S. Bank Cash+® Visa Signature® Card has no annual fee, it offers impressive cash back rewards potential. One caveat – be sure to opt into your preferred bonus categories each quarter, or you’ll be stuck with the base rate of 1%.

• $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
• 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
• 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
• 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
• 1% cash back on all other eligible purchases
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74%
• No Annual Fee
• Terms and conditions apply.

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On Citi's Website

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On Citi's Website

The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• 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. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

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On Citi's Website

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On Citi's Website

The Citi Rewards+® Card is an intriguing option as an everyday card for small purchases. In terms of rewards earnings, Citi rounds up all purchases to the next 10 points. Meaning, that a $3 purchase will earn 10 points. Earn additional rewards with a 10% redemption bonus each year (on up to 100,000 redeemed points) plus an increased earning rate on supermarkets and gas spending up to the annual $6,000 cap— with no annual fee.

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
• The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No Annual Fee

If you are looking for a solid intro APR offer and frequently spend at US supermarkets, this is the card for you.

• Earn 10,000 membership rewards points after spending $2,000 in qualifying purchases in the first 6 months of card membership
• Earn 2 points per dollar spent on qualifying purchases at US supermarkets up to $6,000 per year (then 1 point)
• Earn 2 points for every dollar when you use your card to book your trip through American Express Travel
• Earn 1 point for every eligible dollar you spend on everything else
• You can use membership rewards points towards eligible charges you make on your card, such as retail, dining, entertainment and more
• Use your card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases

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On Wells Fargo's Website

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On Wells Fargo's Website

The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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On Discover's Website

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On Discover's Website

For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate.

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
• No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

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On American Express's Website

Partner Offer

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On American Express's Website

Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards.

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

The Amex EveryDay® Preferred Credit Card is a hidden gem for those who make frequent gas and supermarket purchases every month. Using the card for purchases at least 30 times in a month unlocks a stellar 50% bonus on that month’s points earnings.

• Earn 15,000 points after spending $2,000 in purchases in the first 6 months of account opening
• Earn 3 points per dollar spent at US supermarkets, on up to $6,000 per year in purchases (then 1 point); 2 points on US gas stations and 1 point on other eligible purchases
• Use your card 30 or more times on purchases in a billing period to earn 50% extra points on those purchases less returns and credits

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

• Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
• 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases
• No annual fee