Which Cash-Back Credit Cards Offer a Good 0% APR?
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Cash-back credit cards aren’t necessarily well known for interest-saving features. After all, rewards credit cards generally charge higher interest rates. But most of the best cash-back rewards cards nowadays come with a 0% APR offer — a promotion in which you pay no interest at all on new purchases for a year or more.
Generally speaking, if you're carrying a balance from month to month a rewards credit card, the interest you're paying will more than eat up the value of the rewards you earn. But a card with a 0% APR period changes the calculus. If you've got a big purchase coming up that you'll need time to pay off, put it on one of these cards, and you'll collect cash back on the purchase, enjoy a break from interest — and maybe even earn a sign-up bonus.
you time to pay down debt. And many of them don't even charge an annual fee.
Chase Freedom Unlimited®
APR offer: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR.
Rewards: 5% back on travel booked through Chase; 3% back at restaurants and drugstores; 1.5% on other purchases. Sign-up 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!
Annual fee: $0.
Blue Cash Preferred® Card from American Express
APR offer: 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 19.24%-29.99% Variable APR. Terms apply (see rates and fees).
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 at U.S. gas stations and on transit; 1% back on other purchases. Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
Annual fee: $0 intro annual fee for the first year, then $95. Terms apply.
» MORE: Best credit cards for groceries
Discover it® Cash Back
APR offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.24%-28.24% Variable APR.
Rewards: 5% cash back in rotating categories that you activate (on up to $1,500 in purchases per quarter) and 1% cash back on other purchases. Categories have included things like restaurants, grocery stores and gas stations. (See current and past bonus categories.) Bonus offer: 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.
Annual fee: $0.
» MORE: Best 5% cash back credit cards
Blue Cash Everyday® Card from American Express
APR offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 19.24%-29.99% Variable APR. Terms apply (see rates and fees).
Rewards: 3% cash back at U.S. supermarkets on up to $6,000 in spending per year, 3% cash back on U.S. online retail purchases on up to $6,000 in spending per year, 3% cash back on U.S. gas stations on up to $6,000 in spending per year, and 1% cash back on other purchases. Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.
Annual fee: $0. Terms apply.
Wells Fargo Active Cash® Card
APR offer: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR .
Rewards: 2% cash back on all purchases. Bonus offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Annual fee: $0.
Capital One Quicksilver Cash Rewards Credit Card
APR offer: 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies.
Rewards: 1.5% cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel. Bonus offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual fee: $0.
U.S. Bank Altitude® Go Visa Signature® Card
APR offer: 0% intro APR for 12 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.24%-29.24% Variable APR.
Rewards: 4 points per $1 spent on dining; 2 points per $1 spent at grocery stores, gas stations, EV charging stations and on eligible streaming services; 1 point per $1 spent on all other eligible purchases. (Points can be redeemed for cash back at 1 cent per point.) Bonus offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Annual fee: $0.
Chase Freedom Flex℠
Rewards: 5% cash back on quarterly categories that you activate, on up to $1,500 per quarter in spending (then 1%); 5% on travel booked through Chase; 3% at restaurants and drugstores; 1% on other purchases. Bonus offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual fee: $0.
Some cards, including Chase's Freedom-branded cards and the U.S. Bank Altitude® Go Visa Signature® Card, technically earn points rather than cash back. However, if you can redeem those points for 1 cent each, we generally consider them cash-back cards.
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