Which Cash-Back Credit Cards Offer a Good 0% APR?

Many cards offer new customers an interest-free period for a year or more on purchases, balance transfers or both.

Gregory KarpOctober 22, 2020
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On a similar note...
Which Cash-Back Credit Cards Offer a Good 0% APR?

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Cash-back credit cards aren’t well-known for new-cardholder 0% APR offers, those promotions that promise not to charge you interest on new purchases — or sometimes balance transfers — for a certain number of months.

But a bunch of cash-back rewards cards feature 0% APR offers, some so good they’re among the best you can get. You might get no-interest periods lasting 12 months, 15 months or 18 months. The promotional rate might apply to new purchases you make with the card or balances you transfer from another card, or both.

Generally, you don’t want to focus on a rewards card when you’ll be carrying a monthly balance because the interest you pay will erode or surpass the value of rewards. Better would be a card specifically tailored for those wanting a no-interest period or low ongoing interest.

But these cash-back cards buck conventional wisdom by giving you the best of both worlds: cash-back rewards along with an impressive APR offer that buys you time to pay down debt. And many of them don't even charge an annual fee.

0% APR, purchases and balance transfers

Discover it® Cash Back

Discover it® Cash Back
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APR offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR.

Cash-back rewards: 5% cash back in rotating categories that you activate (on up to $1,500 in purchases per quarter) and 1% cash back on all other purchases. Previous bonus categories have included things like restaurants, grocery stores, gas stations and more.

Annual fee: $0.

Discover it® chrome

Discover it® chrome
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APR offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR.

Cash-back rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases.

Annual fee: $0.

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card
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APR offer: 0% intro APR on Purchases for 12 billing cycles and 0% intro APR on Balance Transfers for 12 Billing cycles, and then the ongoing APR of 14.99% - 23.99% Variable APR.

Cash-back rewards: 4 points per $1 spent on dining; 2 points per $1 spent at grocery stores, gas stations and on eligible streaming services; 1 point per $1 spent on all other eligible purchases.

Annual fee: $0*.

Nerd tip: Some cards technically earn points that can be used as cash back. We generally consider them to be cash-back cards if you can redeem points for 1 cent each.

0% APR, purchases

Chase Freedom Unlimited®

Chase Freedom Unlimited Credit Card
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APR offer: 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR.

Cash-back rewards: 5% back on travel purchased through Chase Ultimate Rewards®; 3% back at restaurants and drugstore purchases; 1.5% cash back on everything else.

Annual fee: $0.

Blue Cash Everyday® Card from American Express

American Express Blue Cash Everyday Credit Card
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APR offer: 0% intro APR on Purchases for 15 months, and then the ongoing APR of 13.99% - 23.99% Variable APR. Terms apply.

Cash-back rewards: 3% back at U.S. supermarkets on up to $6,000 spent per year (then 1%); 2% back at U.S. gas stations and select U.S. department stores; 1% back on other purchases. Terms apply.

Annual fee: $0. Terms apply.

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card
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APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.99% - 23.99% Variable APR. Terms apply.

Cash-back rewards: 6% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1% back); 6% back on select U.S. streaming subscriptions; 3% back on transit including U.S. gas stations; 1% back on other purchases. Terms apply.

Annual fee: $0 intro for the first year, then $95. Terms apply.

0% APR, balance transfers

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card
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APR offer: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Cash-back rewards: 2% cash back — 1% when you make the purchase, and another 1% back when you pay it off.

Annual fee: $0.

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