Best 0% APR & Balance Transfer Savings in 2025

Earning Rewards

• 5% cash back on travel purchased through Chase Ultimate Rewards®.
• 3% cash back on dining at restaurants and drugstores.
• 1.5% cash back on all other purchases.

Key 0% APR & Card Features

• 0% Intro APR for 15 months on purchases and balance transfers.
• Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.
• No annual fee.

Additional Perks

• Trip cancellation/interruption insurance.
• Purchase protection for new purchases.
• Free access to your credit score with Credit Journey.

Best For

Everyday spenders looking for versatile cash-back rewards and those planning large purchases or balance transfers.

Earning Rewards

• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
• 4X points on travel and gas station purchases.
• 2X points on dining, grocery stores, and streaming services.
• 1X points on all other purchases.

Key 0% APR & Card Features

• 0% Intro APR for 12 months on balance transfers.
• Points never expire as long as the account remains open and in good standing.
• No foreign transaction fees.
• Automatic $30 annual credit for streaming services like Netflix and Spotify.

Additional Perks

• Cell phone protection when you pay your monthly bill with the card.
• Travel and emergency assistance services.
• Visa Signature® concierge services.

Best For

Travelers and commuters who want high rewards on travel, gas, and streaming services, with no foreign transaction fees.

Earning Rewards

• 5% cash back on your top eligible spend category each billing cycle (up to $500 in spending).
• 1% cash back on all other purchases.

Key 0% APR & Card Features

• No annual fee, making it ideal for cost-conscious users.
• 0% intro APR on balance transfers and purchases for the first 15 months. After that, a variable APR applies.
• Redeem cash back as a statement credit or direct deposit.

Additional Perks

• Automatic category adjustment ensures you maximize cash back in the category you spend the most on each cycle.
• Access to Citi Entertainment® for exclusive events and ticket presales.
• No foreign transaction fees, perfect for travel and international purchases.

Best For

Individuals who want flexible rewards based on their spending habits and prefer a no-annual-fee card with a strong cash-back program.

Earning Rewards

• 1.5 points per dollar on every purchase, with no caps or expiration.
• Preferred Rewards members can earn up to 2.62 points per dollar.

Key 0% APR & Card Features

• No annual fee, making it ideal for budget-conscious travelers.
• 0% intro APR on purchases for the first 18 billing cycles (variable APR applies thereafter).
• No foreign transaction fees, perfect for international travel.

Additional Perks

• Redeem points for travel expenses like flights, hotels, vacation packages, or car rentals.
• Travel insurance and protections, including trip cancellation and delay coverage.
• Access to Bank of America’s Preferred Rewards program for increased earning potential.

Best For

Travelers looking for a no-annual-fee card with flexible, easy-to-redeem rewards and no foreign transaction fees.

Earning Rewards

• 1.5 miles per dollar on every purchase, with no limit on how much you can earn.
• Bonus miles matched at the end of the first year, effectively doubling your earnings.

Key 0% APR & Card Features

• No annual fee, making it a cost-effective travel card.
• 0% intro APR on purchases for the first 15 months (variable APR applies thereafter).
• No foreign transaction fees, perfect for international travel.

Additional Perks

• Redeem miles for travel expenses like flights, hotels, rideshares, and more.
• Flexible redemption: $1 in travel credit = 100 miles.
• Free access to your FICO® Credit Score online.
• Identity Theft Protection alerts and Freeze It® feature to instantly stop new account activity.

Best For

Travelers who value simplicity, no annual fees, and flexible mile redemption options with a first-year earning boost.

Earning Rewards

• Unlimited 2% cash rewards on all purchases.
• No categories or caps to worry about – consistent earnings across all spending.

Key 0% APR & Card Features

• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (3% intro balance transfer fee, then up to 5%).
• Variable APR applies after the intro period (currently 20.24%, 25.24%, or 29.99%).
• No annual fee, offering excellent value for everyday spenders.
• Cell phone protection: Get up to $600 in coverage against damage or theft (subject to a $25 deductible) when you pay your monthly cell phone bill with the card.

Additional Perks

• Access to Wells Fargo’s Rewards platform for redeeming cash rewards.
• Enjoy a seamless and secure digital wallet experience with tap-to-pay technology.
• No foreign transaction fees.
• Zero Liability Protection for unauthorized transactions.

Best For

Consumers looking for a simple, no-hassle card with unlimited cash rewards and added benefits like cell phone protection.

Earning Rewards

• 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
• 3% cash back at U.S. gas stations (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 in purchases, then 1%).
• 1% cash back on other purchases.

Key 0% APR & Card Features

• 0% intro APR on purchases and balance transfers for 15 months (variable APR applies thereafter: 19.24% - 29.99%).
• No annual fee, making it a cost-effective rewards card.
• Earn cash back in the form of Reward Dollars that can be redeemed as a statement credit.

Additional Perks

• Purchase protection for eligible items purchased with the card.
• Car rental loss and damage insurance for eligible rentals.
• Plan It®: Pay for large purchases over time with no interest, only a fixed fee.
• Access to exclusive American Express Experiences and events.

Best For

Individuals seeking a no-annual-fee card with competitive cash back rewards on groceries, gas, and online shopping.

Earning Rewards

• No rewards program (ideal for those focused on balance transfers or low interest rates).

Key 0% APR & Card Features

• 0% Intro APR on balance transfers for 21 months, giving ample time to pay off transferred balances.
• No annual fee, helping you save even more.
• Access to the Citi Entertainment program for exclusive event and concert ticket access.
• Balance transfer fee: $5 or 5% of each transfer, whichever is greater.

Additional Perks

• Contactless pay for quick and secure transactions.
• 24/7 customer service for any issues or questions.
• Protection benefits like $0 liability for unauthorized charges.
• Free access to your FICO® Score online.

Best For

Consumers looking for a long 0% intro APR on balance transfers to pay off debt without rewards or added costs.

Key 0% APR & Card Features

• 0% Intro APR for up to 21 months on purchases and balance transfers.
• Variable APR of 17.99% - 29.74% applies after the intro period.
• Balance transfer fee: $5 or 3% of the amount transferred, whichever is greater, for 120 days. After that, up to 5%.
• No annual fee, making it a cost-effective option for managing debt.

Additional Perks

• Cell phone protection when you pay your monthly bill with the card.
• Access to My Wells Fargo Deals for cash back opportunities at popular retailers.
• Zero Liability Protection for unauthorized transactions.
• 24/7 customer service for support and inquiries.

Best For

Individuals looking for one of the longest 0% APR intro periods on the market for balance transfers and purchases.

Earning Rewards

• 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose.
• 2% cash back on one everyday category, like gas stations, grocery stores, or restaurants.
• 1% unlimited cash back on all other purchases.

Key 0% APR & Card Features

• No annual fee, making it a cost-effective option for maximizing rewards.
• 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR of 19.24% - 29.24%.
• Customizable cash-back categories for maximum flexibility.

Additional Perks

• Zero fraud liability for unauthorized transactions.
• Roadside assistance and travel accident insurance.
• Extended warranty protection and purchase security.
• Access to the U.S. Bank Mobile App for account management and rewards tracking.

Best For

Customers who want to customize their cash-back rewards and maximize savings on categories that matter most to them.