NerdWallet’s Best Rewards Credit Cards With a 0% APR Promotion

Cards with 0% intro APR promotions offer flexibility whether you're looking to finance a new purchase or pay off existing debt.

Kimberly PalmerSeptember 15, 2020
NerdWallet's Best Rewards Credit Cards With a 0% APR Promotion

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Whether you’re looking to finance new purchases or consolidate and pay off existing debt, credit cards with a 0% intro APR promotion period can help. And if you plan to keep the card beyond the promotion period, then you’ll also want to take note of any ongoing rewards or perks.

Here are some rewards credit cards that offer 0% APR promotions:

Discover it® Cash Back

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

Annual fee: $0.

Rewards:

  • 5% cash back on up to $1,500 in quarterly spending in bonus categories that rotate (activation required; 1% back on everything else). Previous bonus categories have included things like grocery stores, restaurants and gas stations.

  • Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.

With the 0% intro APR offer including both purchases and balance transfers, the Discover it® Cash Back offers flexibility for consumers looking to either consolidate debt or spread out the payment for new purchases without accruing interest, while also earning cash back. It’s worth noting that the rotating bonus categories can be more time-consuming to manage compared with a flat-rate rewards card.

Chase Freedom Unlimited®

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

Annual fee: $0.

Rewards:

  • 5% cash back on travel purchased through Chase Ultimate Rewards®.

  • 3% back at restaurants.

  • 3% back on drugstore purchases.

  • 1.5% on all other non-bonus-category purchases.

  • Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. On top of that, new cardholders also earn 5% back on grocery store purchases in the first year of card ownership, on up to $12,000 in spending.

In addition to a lengthy 0% intro APR period on purchases, the Chase Freedom Unlimited® offers a solid 1.5% back on all purchases, which is the industry standard. Together, those benefits make it a great choice for everyday purchases.

Citi® Double Cash Card – 18 month BT offer

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

Annual fee: $0.

Rewards: 2% cash back on purchases, distributed in two stages:

  • 1% back when you buy.

  • 1% back when you pay it off.

Thanks to its 0% offer on balance transfers as well as an excellent ongoing cash-back rate, the Citi® Double Cash Card – 18 month BT offer is a great choice for consumers working to stretch their budgets. While balance transfers don’t earn cash back, all purchases do — 1% when you make the purchase and 1% when you pay it off.

Capital One® Quicksilver® Cash Rewards Credit Card

APR: 0% APR for 15 months on purchases, and then the ongoing APR of 15.49% - 25.49% Variable APR.

Annual fee: $0.

Rewards:

  • 1.5% cash back on every purchase.

  • Sign-up bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

While the Capital One® Quicksilver® Cash Rewards Credit Card lacks the 2% cash-back rate of the Citi® Double Cash Card – 18 month BT offer, it does offer a sign-up bonus as well as a 0% intro APR period for purchases and balance transfers.

Blue Cash Preferred® Card from American Express

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

Annual fee: $95. Terms apply.

Rewards:

  • 6% cash back at U.S. supermarkets on up to $6,000 a year in purchases (then 1%).

  • 6% back on select U.S. streaming subscriptions.

  • 3% back on transit, including gas.

  • 1% back on other purchases.

  • Terms apply.

  • Welcome offer: $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

With a 0% intro period on purchases as well as family-friendly rewards categories, it’s easy to see why Blue Cash Preferred® Card from American Express is a favorite choice for budget-conscious parents. While the card comes with a hefty annual fee, it pays for itself as long as you spend more than $31 a week on groceries. Terms apply.

U.S. Bank Cash+™ Visa Signature® Card

APR: 0% on Balance Transfers for 12 billing cycles, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Annual fee: $0.

Rewards:

  • 5% cash back on two categories of your choice from a list of 12 each quarter (on up to $2,000 of spending).

  • 2% cash back on your choice of an everyday category, like gas stations or grocery stores.

  • 1% cash back on other purchases.

  • Sign-up bonus: $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

The 0% intro APR on balance transfers is useful for anyone who wants to consolidate credit card debt. The U.S. Bank Cash+™ Visa Signature® Card is also a great option for people who enjoy actively optimizing their credit card rewards; you have choices to make each quarter to maximize your cash back.

Wells Fargo Propel American Express® card

APR: Intro 0% APR for 12 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.

Annual fee: $0.

Rewards:

  • 3 points per dollar spent on eating out and ordering in; travel, including flights, hotels, homestays and car rentals; gas stations, rideshares and transit; and eligible streaming services.

  • 1 point per dollar spent on other purchases

  • Terms apply.

  • Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

The 0% intro APR offer on purchases and transfers offers flexibility, and if you spend a lot on food and travel, then the Wells Fargo Propel American Express® card offers appealing bonus categories. You can redeem points for travel, cash back, gift cards and more through Wells Fargo Go Far Rewards.

All information about Capital One® Quicksilver® Cash Rewards Credit CardBlue Cash Preferred® Card from American ExpressU.S. Bank Cash+™ Visa Signature® Card, and Wells Fargo Propel American Express® card has been collected independently by NerdWallet. Capital One® Quicksilver® Cash Rewards Credit CardBlue Cash Preferred® Card from American ExpressU.S. Bank Cash+™ Visa Signature® Card, and Wells Fargo Propel American Express® card are no longer available through NerdWallet.

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