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Best 0 % APR Credit Cards 

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Wells Fargo Reflect ® Card stands out as the best overall 0% APR credit card in the U.S., thanks to its exceptionally long interest-free period and no annual fee—perfect for financing big purchases or consolidating debt without paying interest.

 

Rating: ★★★★☆ (4.5/5)
Annual Fee: $0

 

Intro APR Offer:

 

Best For: Consumers needing extended interest-free time to pay off large expenses or move high-interest balances—without paying a cent in interest during the intro period.

 

Why it’s the market leader for 0% APR

 

 

Wells Fargo Reflect offers 0% APR for 21 months…Longest intro 0 APR period

Find the Best Credit Card for You — Backed by Capital Corner’s Expert Research

The best credit card isn’t one-size-fits-all — it’s the one that matches your unique lifestyle, goals, and spending habits. At Capital Corner, our team has reviewed and rated the best credit cards in Canada and the U.S. for 2025 — from high-reward travel cards and cashback champions to 0% APR offers and no-annual-fee options — so you can find the perfect fit for your wallet.

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  • 400+ credit cards reviewed and curated with real-world value in mind

  • Independent and unbiased research focused on financial literacy and empowerment

  • 10,000+ hours spent comparing fees, rewards, perks, and fine print

  • Transparent rating criteria so you always know how cards are evaluated

  • Built by financial educators who make it easy to compare, understand, and apply\

Our credit card content is created and reviewed by experienced finance professionals, not salespeople. Whether you're a student building credit, a family maximizing cashback, or a frequent flyer chasing points — Capital Corner is your trusted guide.

Best Bonus Rewards Credit Cards for 2025 

Best for: Simple cash back
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Capital One Quicksilver Cash Rewards Credit Card

4.6/5
Best for: Simple cash back

Annual fee

Interest rate

$0

0% intro on purchases for 15 months

Regular interest rate 

Intro offer

Recommended credit score

19.24% - 29.24%

$200

690 - 850 (Good - Excellent)

Card Details 

5% Cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

1.5% Cash back on every purchase, every day.


Rewards: 


  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

  • Earn unlimited 1.5% cash back on every purchase, every day

  • $0 annual fee and no foreign transaction fees

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies

Best for: Cash bonus
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Chase Freedom Flex®

5.0/5 
Best for: cash bonus

Annual fee

Interest rate

$0

0% intro APR on purchases for 15 months

Regular interest rate 

Intro offer

Recommended credit score

18.99% - 28.49%

$200

690 - 850 (Good - Excellent)

Card Details 

3% Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).

3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).

3% Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).

1% Cash Back on other purchases.


Rewards: 


  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • No Annual Fee.

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.

  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.

  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

  • Terms Apply.

Best for: Grocery, gas & online
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Blue Cash Everyday® Card from American Express

4.9/5
Best for: Grocery, gas & online

Annual fee

Interest rate

$0

0% intro APR on purchases for 15 months from the date of account opening

Regular interest rate 

Intro offer

Recommended credit score

20.24% - 29.24%

$200

690 - 850 (Good - Excellent)

Card Details 

3% Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).

3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).

3% Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).

1% Cash Back on other purchases.


Rewards: 


  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • No Annual Fee.

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.

  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.

  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

  • Terms Apply.

Best for: Going out
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Capital One Savor Cash Rewards Credit Card

5.0/5
Best for: Going out

Annual fee

Interest rate

$0

0% intro on purchases for 15 months

Regular interest rate 

Intro offer

Recommended credit score

19.24% - 29.24%

$200

690 - 850 (Good - Excellent)

Card Details 

8% Cash back on Capital One Entertainment purchases.

5% Cash back on hotels and rental cars booked through Capital One Travel.

3% Cash back on dining.

3% Cash back on entertainment.

3% Cash back on popular streaming services.

3% Cash back at grocery stores (excluding superstores like Walmart® and Target®).

1% Cash back on all other purchases.


Rewards: 


  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases

  • Earn 8% cash back on Capital One Entertainment purchases

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies

  • No foreign transaction fee

  • No annual fee

Best for: Matching bonus
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Discover it® Cash Back

4.9/5
Best for: matching bonus

Annual fee

Interest rate

$0

0% intro APR on purchases for 15 months

Regular interest rate 

Intro offer

Recommended credit score

18.24% - 27.24%

Cashback Match™

690 - 850 (Good - Excellent)

Card Details 

5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

1% Cash back on all other purchases.


Rewards:


  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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. You could turn $150 cash back into $300.

  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

  • Redeem your rewards for cash at any time.

  • Apply and you could get a decision in as little as 60 seconds. No annual fee.

  • Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.

  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.

  • Terms and conditions apply.

Best for: All-around cash back
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Chase Freedom Unlimited®

5.0/5
Best for: All-around cash back

Annual fee

Interest rate

$0

0% intro APR on purchases for 15 months

Regular interest rate 

Intro offer

Recommended credit score

18.99% - 28.49%

$200

690 - 850 (Good - Excellent)

Card Details 

5% Cash back on travel purchased through Chase Travel℠.

3% Cash back on drugstore purchases.

3% Cash back on dining at restaurants, including takeout and eligible delivery services.

1.5% Cash back on all other purchases.


Rewards:


  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card

  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

  • Member FDIC

Best for: Longest 0% intro period
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Wells Fargo Reflect® Card

4.5/5
Best for: Longest 0% intro period

Annual fee

Interest rate

$0

0% intro APR on Purchases for 21 months from account opening

Regular interest rate 

Intro offer

Recommended credit score

17.24% - 23.74%

N/A

690 - 850 (Good - Excellent)

Card Details 

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.

  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.

  • $0 annual fee.

  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card

Best Rewards Back Card

Chase Freedom Unlimited®

  • Affiliate Compensation: Often $200–$400+ per approved sign-up (through major affiliate networks like CJ, FlexOffers, or Impact)

  • High Conversion Rate: One of the most popular no-annual-fee cards

  • Very Attractive Rewards:

    • 5% on travel through Chase Ultimate Rewards

    • 3% on dining and drugstores

    • 1.5% on all other purchases (higher than the standard 1%)

    • $200 sign-up bonus after spending $500 in the first 3 months

  • No annual fee

  • Backed by a strong brand (Chase), which builds trust and increases conversion

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