Best 0% APR Credit Cards for 2019

Best 0% apr credit cardsHave you ever needed to make a big purchase but didn’t have the cash upfront? What did you do?

Did you borrow money from a friend? Did you tap into your savings account? Or, did you put it on some type of credit card?

Whatever the purchase –  new tires for your car, a new wardrobe for a job, an engagement ring, a new fridge – what if there was a way to pay for it over twelve to fifteen months without any interest or penalties?

As it turns out, a credit card with a 0% introductory APR can make this possible.

The average 0% APR offer is about 11 months, but some offers give you up to 18 months to pay back a major purchase when you apply and qualify for the card.

You’ve probably been to a furniture store, or maybe even a car dealership, where you saw 0% financing deals advertised if you were to get a loan through the store.

A 0% APR credit card works exactly the same, except there are no limits on what you can purchase. 0%  financing is a great way to use other people’s money to buy what you need. Here’s a look at some of the best 0% APR credit card offers on the market today.

Best 0% APR Credit Cards

HSBC Gold Mastercard® Credit Card

hsbc gold mastercard credit card
  • 0% apr on purchases and balance transfers for the first 18 months

With the generous 18 months 0% apr intro on balance transfers AND purchases, the HSBC Gold Mastercard® credit card is a clear winner in our eyes.

Save yourself some money on interest today and transfer your high interest credit card on over to this gold card!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 18 months.
  • Balance Transfer Fee: $10 or 4%, whichever is greater.
  • Annual Fee: None
  • Other perks: No foreign transaction fees. No late fees. No penalty APR for late payments. Discounted and complimentary PGA golf passes and perks.

Chase Freedom Unlimited®

Chase Freedom Unlimited

With the Chase Freedom Unlimited®, you can enjoy 0% apr for 15 months on all purchases and balance transfers, this can be a huge savings to anyone who has built up debt on a high interest card!

To top it all off, as long as you keep your account open, your cash back rewards do not expire!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 15 months.
  • Balance Transfer Fee: $5 or 3%, whichever is greater.
  • Annual Fee: None
  • Other perks: 3% cashback on all purchases in your first year up to $20,000 spent. After that, unlimited 1.5% cashback on all purchases, with no redemption minimum.

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One Quicksilver Credit Card

Earn a quick $150 just by spending $500 on purchases within 3 months of opening your Capital One® Quicksilver® Cash Rewards Credit Card! How easy is that?

Just go grocery shopping with your new card and after a few weeks, bam, you have earned yourself $150!

Along with that bonus, you can earn UNLIMITED 1.5% cash back on all purchases, every day.

And, as if we havent said enough to make you go join now, there is NO annual fee!

  • Promo Period: 0% intro APR on Purchases and Balance Transfers for 15 months
  • Balance Transfer Fee: 3% when transferred in the first 15 months
  • Annual Fee: None
  • Other perks: No foreign transaction fee. $150 cash bonus after you spend the first $500 on purchases in the first 3 months.

Wells Fargo Cash Wise Visa® Card

wells fargo cash wise visa credit card

Just like with the Capital One® Quicksilver® Cash Rewards Credit Card, you can earn $150 fast with this card too!

Just spend $500 in the first 3 months of having your Wells Fargo Cash Wise Visa® Card…$150 bucks!

You will also get the perk of no pesky annual fee to be aware of each year.

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 15 months.
  • Balance Transfer Fee: 3% for the first 120 days, then 5%
  • Annual Fee: None
  • Other perks: $150 cash rewards bonus after spending $500 in the first 3 months. Unlimited 1.5% cash rewards on purchases and 1.8% cash rewards on qualified digital wallet purchases with Apple Pay® and Google Pay™ during your first 12 months.

Capital One® SavorOne® Cash Rewards Credit Card

capital one savor cash rewards credit card
  • 0% apr on purchases and balance transfers for 15 months

With the Capital One® SavorOne® Cash Rewards Credit Card, you also get a $150 cash bonus when you simply spend $500 within the first 3 months of opening your account.

Along with no annual fee, you also get 0% apr on purchases and balance transfers for the first 15 months.

This card is also great for those of us who do not enjoy cooking! Earn UNLIMITED 3% cash back on dining and entertainment! So you might as well get this card to use on your date nights!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 15 months.
  • Balance Transfer Fee: 3%
  • Annual Fee: None
  • Other perks: No foreign transaction fees. $150 cash bonus on your first $500 spent in the first 3 months.

Chase Freedom®

Chase Freedom

Chase Freedom®, gives you the “freedom” to easily earn $150 bonus after just spending $500 within the first 3 months of having your card.

You will also earn unlimited 1% cash back on all purchases when you use your card!

While earning free money, you can also save a ton in interest by utilizing their 0% apr for the first 15 months on balance transfers from your high interest credit cards!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 15 months.
  • Balance Transfer Fee: 3% in the first 60 days, then $5 or 5%, whichever is greater.
  • Annual Fee: None
  • Other perks: $150 Bonus after spending $500 on purchases in your first 3 months from account opening. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (must activate rewards every quarter).

Blue Cash Preferred® Card from American Express

Blue Cash Preferred Card from American Express
  • 0% on purchases and balances transfers for 12 months

The Blue Cash Preferred® Card from American Express offers an amazing 6% cash back at US supermarkets on up to $6,000 per year AND 3% cash back at US gas stations.

For the moms of growing kids who are involved in every sport imaginable, this is your card!

Stock up on food, and fill your car up with gas and earn money while you are being super mom!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 12 months + $250 Intro Bonus after you spend your first $1,000
  • Balance Transfer Fee: $5 or 3%, whichever is greater, within the first 120 days. After that 5% for each balance transfer, with a minimum of  $5.
  • Annual Fee: $95
  • Other perks: 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 1% Cash Back on other purchases.

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express Card

If you are able to spend $3,000 in the first 3 months of having your card, you can earn 30,000 bonus points.

And let’s be real, who can’t spend $1,000 a month??

While you are using your card, keep in mind, if you use it eating out, at gas stations or on some popular streaming services, you can earn 3X the points!

  • Promo Period: 0% Introductory APR on Purchases and Balance Transfers in the first 12 months.
  • Balance Transfer Fee: $5 or 3%, whichever is greater, within the first 120 days. After that 5% for each balance transfer, with a minimum of  $5.
  • Annual Fee: None
  • Other perks: No foreign currency conversion fee. 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – a $300 cash value.

Benefits of a 0% APR Credit Card

When you use a 0% APR credit card, you often will have about 12 to 15 months of zero interest. That means you can buy that new pair of skis, or maybe the new dishwasher you’ve been eyeing at Best Buy.

0% APR deals are great for buying anything that would make a dent in your savings account, but you need enough wiggle room in your cash flow to allow for an extra expense.

When these two things are true, and you’d rather protect your savings while absorbing the cost in your monthly cash flow, using a credit card with a 0% APR Introductory offer is a great option.

It takes good to excellent credit to qualify for a 0% credit card, and we recommend you go for it when you have:

  • A big purchase on the horizon, or
  • Some high-interest debt you want to pay off over the course of a year

All you have to do is budget to pay off your balance within the promotional period. When you can do this, 0% APR credit cards are a complete no-brainer.

Using a 0% APR Credit Card for a Balance Transfer

If you don’t have a major purchase on the horizon, one way to use a 0% APR credit card to save money is by doing a balance transfer.

If you have, say, $2,000 of credit card debt on another, high-interest card that charges over 25% annually, it might be worth it to use some of these below deals to balance your debt and pay it off interest-free for a year.

Using a 0% APR Introductory Offer could instantly give you up to 21 months to pay back your current balances. It’s worth it to do a balance transfer if the transfer fees are lower than what a year of interest would cost you.

See our list of the best balance transfer credit cards here.

So, when you’re ready to level-up and exercise your buying power without taking on costly debt or draining your savings, here are the best 0% APR Credit Cards for 2019.

David Weliver

David Weliver

David Weliver is the Credit Cards Editor at Millennial Money. He is the Founder of Money Under 30 and is widely regarded as one of the top credit card rewards experts in the world. David has been writing about personal finance and credit cards since 2006 and been featured in The New York Times, NPR, USA Today, Forbes, and many others.
David Weliver

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