The Best Credit Cards With 0% APR Signup Offers!

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There have been several posts in our Instagram credit card AMA, the DansDeals Facebook Group and the DansDeals Forums asking about the best credit cards that have 0% intro APR on purchases and balance transfers.

As I wrote in the beginner’s guide “word of warning,”

“It’s important to note that the credit card points system is subsidized by the millions of Americans who fall into the trap of debt, buying things they can’t afford, and paying huge amounts of interest to the banks.

If you’re susceptible to that behavior, then don’t start in the first place. Pay for things in cash and be happy not being in debt. Any gain from the points system will be obliterated by interest payments.”

That being said if you do have existing balances or do need to make a purchase that you need to finance, you may as well get the best rates from the best rewards earning card.

Or if you’re more advanced, you can even stick the funds into a savings account or CD that  now pay more than 5% interest during the 0% APR period.

Business cards with 0% APR offers:

One negative of carrying a balance, even if you pay your bills on time, is that it can drastically hurt your credit score as a whopping 30% of your credit score is based on credit utilization. This can be avoided by taking advantage of a 0% APR offer on a business card as business card balances won’t hurt your credit score.

You can get a business card even if you just have a hobby. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and use your social security number instead of a Tax ID number.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

• Chase Ink Business Cash Card
  • Intro APR on purchases: 0% APR for 12 months
  • Annual fee: None.
  • Welcome bonus: Earn 90,000 Chase Ultimate Rewards for spending $6,000 in 3 months (Marketed as $900 cash back, but you’ll actually get 90K points that can be used for cash back or more valuable as points.)
  • Foreign transaction fees: 3%
  • What’s great about the card: Highest ever signup bonus for a no annual fee card. Earns Ultimate Rewards points that can be cashed out or transferred to a premium Ultimate Rewards card where the points will be worth significantly more. Earn 5 points per dollar on internet, telecom, cell phones, and from office supply stores, including gift cards to hundreds of stores sold by office supply stores. Earn 2 points per dollar on gas and dining. Earn 5 points per dollar on Lyft through 3/31/25.

• Chase Ink Business Unlimited Card
  • Intro APR on purchases: 0% APR for 12 months
  • Annual fee: None.
  • Welcome bonus: Earn 90,000 Chase Ultimate Rewards for spending $6,000 in 3 months (Marketed as $900 cash back, but you’ll actually get 90K points that can be used for cash back or more valuable as points.)
  • Foreign transaction fees: 3%
  • What’s great about the card: Highest ever signup bonus for a no annual fee card. Earns Ultimate Rewards points that can be cashed out or transferred to a premium Ultimate Rewards card where the points will be worth significantly more. Earn 1.5 points per dollar everywhere. Earn 5 points per dollar on Lyft through 3/31/25.
• The Blue Business® Plus Credit Card from American Express
  • Intro APR on purchases: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors at account opening.
  • Annual fee: None.
  • Foreign transaction fees: 2.7%
  • What’s great about the card: Earns 2 Membership Rewards points per dollar everywhere on up to $50K in annual purchases that can be transferred to airline/hotel miles or used together with an AMEX Business Gold or AMEX Business Platinum card for a 25% or 35% of rebate on paid air travel, making purchases worth 3.08% back towards airfare.
  • Terms and restrictions apply, see rates and fees here.
• American Express® Blue Business Cash Card
  • Intro APR on purchases: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Annual fee: None.
  • Foreign transaction fees: 2.7%
  • What’s great about the card: Earns 2% cash back everywhere on up to $50K in annual purchases.
  • Terms and restrictions apply, see rates and fees here.

Consumer cards with 0% APR offers:

• Citi Double Cash Card
  • Intro APR on balance transfers: 0% APR for 18 months. 3% intro balance transfer fee when you transfer a balance during the first 4 months your account is open, with a minimum of $5. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness.
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • What’s great about the card: Earns 2 ThankYou points per dollar that can be redeem for 2% cash back everywhere. If you also have a Citi Premier Card you can transfer points into miles or get a 25% added value for paid airfare.
•  Citi Custom Cash Card
  • Intro APR on purchases: 0% Intro APR for 15 months from date of account opening.
  • Intro APR on balance transfers: 0% Intro APR on balance transfers for 15 months from date of first transfer. After that, the variable APR will be 17.99% – 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • Welcome bonus: Earn 20K bonus points for spending $1,000 in 3 months.
  • What’s great about the card: Earns ThankYou points that can be used for gift cards or transferred to a premium ThankYou card where the points can be transferred into airline miles. This card automatically rounds up rewards earned on every purchase to the nearest 10 points, meaning you earn 10 points on a $0.50 Amazon balance reload. Earn 2 points on $6K in annual spending at supermarkets. Get a 10% points rebate when you redeem points, up to a 10K points rebate per year. If you also have a Citi Premier Card you can transfer points into miles or get a 25% added value for paid airfare, plus get a 10% points rebate on transferred or redeemed miles.
• Citi Rewards+ Card
  • Intro APR on purchases: 0% Intro APR for 15 months from date of account opening.
  • Intro APR on balance transfers: 0% Intro APR on balance transfers for 15 months from date of first transfer. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • Welcome bonus: Earn 20K bonus ThankYou points for spending $1,500 in 6 months.
  • What’s great about the card: Earns 5 ThankYou points per dollar on up to $500 in purchases in your top spending category each month! There’s no need to enroll for this bonus. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. With $500 in monthly purchases, you can rack up 30,000 points annually!

• Citi Simplicity Card
  • Intro APR on purchases: 0% APR for 12 months
  • Intro APR on balance transfers: 0% APR for 21 months. 5% intro balance transfer fee when you transfer a balance during the first 4 months your account is open, with a minimum of $5. After that the variable APR will be 18.49% – 29.24%, based on your creditworthiness.
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • What’s great about the card: No late fees.

• Chase Freedom Unlimited Card
  • Intro APR on purchases: 0% APR for 15 months
  • Intro APR on balance transfers: 0% APR for 15 months. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. Then a variable APR of 19.49% – 28.24%.
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • Welcome bonus: Earn 3 points per dollar everywhere on up to $20,000 spend during the first year.
  • What’s great about the card: Earns Ultimate Rewards points that can be cashed out or transferred to a premium Ultimate Rewards card where the points will be worth significantly more. Earn 1.5 points per dollar everywhere. Earn 5 points per dollar on Lyft through 3/31/25.
• Chase Freedom Flex Card
  • Intro APR on purchases: 0% APR for 15 months
  • Intro APR on balance transfers: 0% APR for 15 months. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. Then a variable APR of 19.49% – 28.24%.
  • Annual fee: None.
  • Foreign transaction fees: 3%
  • Welcome bonus: Earn 20K bonus points for spending $500 in 3 months plus 5 points per dollar on up to $12K in groceries for 12 months.
  • What’s great about the card: Earns Ultimate Rewards points that can be cashed out or transferred to a premium Ultimate Rewards card where the points will be worth significantly more. Earn 5 points per dollar in rotating categories, like gas, groceries, dining, Paypal, Amazon, and more. Earn 5 points per dollar on Lyft through 3/31/25.
• Capital One® SavorOne® Cash Rewards Credit Card
  • Intro APR on purchases: 0% APR for 15 months. 19.24% – 29.24% variable APR after that.
  • Intro APR on balance transfers: 0% APR for 15 months. 19.24% – 29.24% variable APR after that. 3% fee on the amounts transferred within the first 15 months
  • Annual fee: None.
  • Foreign transaction fees: None
  • Welcome bonus: Earn $200 cash bonus points for spending $500 in 3 months, convertible to Capital One miles.
  • What’s great about the card: Earns cash that can be transferred to anyone’s Capital One mileage card where the points will be worth significantly more. Earn 3% back on entertainment, streaming, groceries, and dining. Earn 8% back on Capital One Entertainment. Earn 10% back on Uber and Uber Eats through 11/14/24. Complimentary Uber One membership through 11/14/24.
• Capital One® Quicksilver® Cash Rewards Credit Card
  • Intro APR on purchases: 0% APR for 15 months. 19.24% – 29.24% variable APR after that.
  • Intro APR on balance transfers: 0% APR for 15 months. 19.24% – 29.24% variable APR after that. 3% fee on the amounts transferred within the first 15 months
  • Annual fee: None.
  • Foreign transaction fees: None
  • Welcome bonus: Earn $200 cash bonus points for spending $500 in 3 months, convertible to Capital One miles.
  • What’s great about the card: Earns cash that can be transferred to anyone’s Capital One mileage card where the points will be worth significantly more. Earn 1.5% back everywhere. 5% back on Capital One hotels and rental cars. 6 months complimentary Uber One membership through 11/14/24.
• Capital One VentureOne Rewards Credit Card
  
  • Intro APR on purchases: 0% APR for 18 months. 19.24% – 29.24% variable APR after that.
  • Intro APR on balance transfers: 0% APR for 18 months. 19.24% – 29.24% variable APR after that. 3% fee on the amounts transferred within the first 15 months
  • Annual fee: None.
  • Foreign transaction fees: None
  • Welcome bonus: Earn 40,000 miles for spending $1,000 in 3 months.
  • What’s great about the card: Earn 1.25 miles per dollar everywhere. 5 miles per dollar on Capital One hotels and rental cars. Transfers all cash back and Capital One miles to airline and hotel programs.

• Click here for more 0% APR cards.

Do you utilize 0% APR offers from credit cards?