Best Rewards Credit Cards with 0% APR Promotions


Whether you're looking to fund a new purchase or consolidate and pay off existing debt, a credit card with a 0% initial APR promotional period can help. If you plan on keeping the card after the promotional period ends, you'll also want to take note of any ongoing rewards or benefits.

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

Discover it® Cash Back

Annual interest rate: 0% initial APR for 15 months on purchases and balance transfers, then 17.24%-28.24% ongoing APR Variable APR

Discover it® Cash Back
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  • Earn 5% cash back on up to $1,500 in quarterly spending in rotating bonus categories (activation required; 1% back on everything else). Previous reward categories included grocery stores, restaurants and gas stations, among others.

  • Sign up bonus: Introductory Offer: Unlimited Cash Back Matching for all new card members – only from Discover. Discover will automatically match any cash back you earn at the end of your first year! There is no minimum spend or maximum reward. You can exchange $150 in cash for $300.

With 0% APR on purchases and balance transfers, Discover it® Cash Back Offers flexibility for consumers who want to consolidate debt or spread payments on a new purchase without incurring interest, while also earning cash back. It's worth noting that managing rotating bonus categories can be more time-consuming than with flat-rate bonus cards.

Chasing Freedom®

Chase Freedom Unlimited Credit Card
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Annual interest rate: 0% initial APR on purchases and balance transfers within 15 months, then 20.49%-29.24% variable APR on-going.

  • Get 5% cash back on travel purchases through Chase.

  • You can enjoy 3% rebate when you purchase at the pharmacy.

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

  • Sign-up bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000 in first year purchases) – a cash back value of up to $300!

In addition to the lengthy 0% APR introductory period for purchases and balance transfers, Chasing Freedom® Offers a solid 1.5% back on all non-bonus category purchases. These advantages combined make it a great choice for everyday purchases.

Bank of America Cash+® Visa Signature® Card

Bank of America Cash+® Visa Signature® Credit Card
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Annual interest rate: 0% initial APR for 15 billing periods on purchases and balance transfers, then 19.49%-29.74% ongoing APR Variable APR.

  • Choose two of 12 categories and earn 5% cash back every quarter (up to $2,000 spent).

  • Earn 5% cash back when you book prepaid flights, hotels and car bookings directly with the Rewards Center.

  • Earn 2% cash back on select everyday categories, such as gas stations or grocery stores.

  • 1% cash back on other purchases.

  • Sign up bonus: Earn a $200 bonus when you spend $1,000 in qualifying purchases within 120 days of account opening.

0% APR on balance transfers is useful for anyone looking to consolidate credit card debt.this Bank of America Cash+® Visa Signature® Card It's also a good option for those who like to actively optimize their credit card rewards; you can choose to maximize your cash back every quarter.

American Express Blue Cash Preferred® Card

American Express Blue Cash Preferred® Card
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Annual interest rate: introduce 0% initial APR for 12 months on purchases and balance transfers, then 19.24%-29.99% ongoing APR Variable APR Terms apply.

annual fee: The annual fee is $0 for the first year and $95 thereafter. Terms apply.

  • U.S. supermarkets offer 6% cash back (then 1%) on purchases of $6,000 or more each year.

  • Select US streaming subscriptions are eligible for a 6% rebate.

  • 3% rebate on transportation costs, including gas.

  • 1% back on other purchases.

  • Welcome offer: Earn a $250 statement credit when you spend $3,000 in purchases with your new card in the first 6 months. Terms apply.

With a 0% off purchase period and family-friendly bonus categories, it’s easy to see why American Express Blue Cash Preferred® Card A favorite choice among budget-conscious parents. While this card has a high annual fee, it pays for itself as long as you spend more than $31 a week on groceries. Terms apply.

Bank of America® Customized Cash Rewards Credit Card

Annual interest rate: 0% introductory APR on purchases within 15 billing cycles and any balance transfers made within the first 60 days.After the introductory APR offer ends, the current variable APR of 18.24% – 28.24% will apply.

Bank of America® Customized Cash Rewards Credit Card
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  • Earn 3% back on the category of your choice (options include Gas/EV Stations, Online Shopping, Dining, Travel, Pharmacy, and Home Improvement/Furniture), plus the first $2,500 in the Comprehensive Bonus Category for Grocery and Wholesale Club Enjoy 2% back on your grocery/wholesale club spending every quarter; after reaching that threshold, you'll earn 1% back on those purchases.

  • All other purchases receive 1% back.

  • Sign up bonus: Earn a $200 online cash bonus when you purchase at least $1,000 within 90 days of account opening.

this Bank of America® Customized Cash Rewards Credit Card Both balance transfers and new purchases include an extra-long 0% interest period and the potential for great returns. If your new purchase falls into one of seven qualifying categories, you'll earn 3% back, plus 2% back at grocery and wholesale clubs, for a total of up to $2,500. You can change your eligible categories once per calendar month to maximize your rewards.

Citi Double Cash® Card

Citi® Dual Cash Card
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Annual interest rate: 0% initial APR on balance transfers for 18 months, then 19.24%-29.24% ongoing APR, variable APR.

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

  • 1% back when paid off.

Thanks to its 0% balance transfer offer and excellent ongoing cash back rates, Citi Double Cash® Card It is a good choice for consumers who want to save budget. While you don't earn cash back on balance transfers, you can earn cash back on all purchases — 1% back on purchases and 1% back on repayments.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Credit Card
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Annual interest rate: 0% initial APR on purchases and balance transfers for 15 months; 19.99% – 29.99% APR thereafter; balance transfer fees apply.look Rates and fees.

  • Earn 1.5% cash back on every purchase.

  • Sign-up bonus: You can get a one-time cash bonus of US$200 when you spend US$500 within 3 months after opening an account..

Although Capital One Quicksilver Cash Rewards Credit Card Lack of 2% cash back rate Citi Double Cash® Card, which always offers a sign-up bonus and an introductory period of 0% APR on purchases and balance transfers.this Citi Double Cash® Card Sign-up bonuses are sometimes offered for a limited time, but these are rare.

View rates and fees American Express Blue Cash Preferred® Cardlook this page.



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