10 Best Zero-Interest Credit Cards In 2025
Paying interest is like giving away free money. Why do it if you don’t have to?
If you're planning a big purchase, paying off debt, or want more Breathing room on your monthly bills, zero-interest credit cards can be a wise choice. But which ones are worth it in 2025? Here's a breakdown of the top cards and why they stand out.
1. Chase Freedom Unlimited®
This card has been a top pick for years, and it’s still going strong in 2025.
Why It’s Great?
You get a 0% intro APR for 15 months on purchases and balance transfers. After that, a variable APR applies. Rewards are another highlight — unlimited 1.5% cash back on every purchase, plus 3% on dining and drugstore purchases.
Best For:
Anyone looking for a straightforward card with a long intro APR and consistent rewards.
2. Citi® Diamond Preferred® Card
If you care more about paying off a balance than earning rewards, this one might be your match.
Why It’s Great?
It offers a 0% intro APR for a whopping 21 months on balance transfers, one of the longest in the market. Purchases get a 0% intro APR for 12 months. No annual fee makes it even more attractive.
Best For:
People focused on debt repayment without worrying about rewards.
3. Wells Fargo Reflect® Card
This card rewards you for paying on time with extra months of interest-free benefits.
Why It’s Great?
You start with a 0% intro APR for up to 21 months on purchases and balance transfers — but only if you make minimum payments on time. It also includes cell phone protection when you pay your bill with the card.
Best For:
Those who want the longest possible intro period and are willing to practice a little discipline.
4. Bankamericard® Credit Card
A simple, no-frills option for anyone who wants to focus purely on paying down debt.
Why It’s Great?
You get a 0% intro APR for 18 billing cycles on purchases and balance transfers (made in the first 60 days). No annual fee, and it doesn’t tempt you with rewards that might encourage more spending.
Best For:
Budget-conscious users are looking for simplicity.
5. Capital One Quicksilver Cash Rewards Credit Card
This one balances a long intro APR with solid rewards.
Why It’s Great?
You get 0% intro APR for 15 months on purchases and balance transfers, then a variable APR applies. Earn unlimited 1.5% cash back on every purchase — no categories to track.
Best For:
People who want to pay off purchases over time while still earning everyday rewards.
6. U.S. Bank Visa® Platinum Card
Known for its flexibility, this card gives you Breathing room on both purchases and transfers.
Why It’s Great?
A 0% intro APR for 18 billing cycles on purchases and balance transfers. It also has flexible payment dates, so you can choose when your bill is due each month.
Best For:
Anyone who needs more control over their payment schedule.
7. Discover It® Balance Transfer
This one offers a strong intro APR and unique cash back perks.
Why It’s Great?
Get 0% intro APR for 18 months on balance transfers and 6 months on purchases. You’ll also earn 5% cash back in rotating categories each quarter (up to the quarterly max, after activation) and 1% on everything else. Plus, Discover matches all the cash back you earn in your first year.
Best For:
People who want both a balance transfer option and generous rewards.
8. Chase Slate Edge℠
Built for people who want to pay less interest and lower their APR over time.
Why It’s Great?
You get a 0% intro APR for 18 months on purchases and balance transfers. Pay on time and spend at least $500 in your first six months, and Chase will review you for a lower interest rate.
Best For:
Cardholders who want to improve their APR for the long run.
9. Citi® Simplicity® Card
True to its name, this card keeps things hassle-free.
Why It’s Great?
A 0% intro APR for 21 months on balance transfers and 12 months on purchases. No late fees, no penalty rates, and no annual fee — ever.
Best For:
Individuals seeking maximum peace of mind who wish to avoid extra charges.
10. Blue Cash Everyday® Card From American Express
A balance of interest-free perks and everyday rewards on essentials.
Why It’s Great?
Enjoy a 0% intro APR for 15 months on purchases and balance transfers. Plus, earn 3% cash back at U.S. supermarkets (on up to $6,000 per year), 3% on U.S. online retail purchases, and 3% at U.S. gas stations.
Best For:
Families and everyday shoppers who want rewards on top of interest savings.
How To Choose The Right Zero-Interest Credit Card In 2025?
Before picking one, think about how you’ll use the card. If you're paying off existing debt, a card with the longest balance transfer intro period might be the most beneficial. If you're making a big purchase, look for a strong purchase APR offer. And if you want both, some cards give a good balance of each, offering flexibility for various spending needs and repayment goals.
Also, consider:
- Balance Transfer Fees: Usually 3–5% of the transfer amount.
- Variable APR After the Intro Period: Make sure it’s manageable if you still have a balance.
- Rewards vs. discipline: Rewards are great, but only if they don’t tempt you to overspend or encourage unnecessary purchases beyond your budget.
Getting The Most Out Of Your 0% APR Period
Once you have your card, create a plan to pay off your balance before the intro period ends. Divide the total balance by the number of interest-free months, and aim to pay that amount each month without missing a single payment. Set up autopay to avoid late fees and protect your promotional rate from being cancelled early.
Zero-interest credit cards aren’t just a financial tool — they’re a timeline for smart and disciplined spending habits. Use them wisely, and they can save you hundreds or even thousands of dollars in 2025.