💳 0% Intro APR Credit Cards 2025: Save Thousands on Interest

Compare the best 0% APR credit cards for balance transfers (up to 21 months) and purchases. Pay off debt faster and save $1,000-$5,000+ in interest charges.

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EC
Emily Chen
Financial Programs & Credit Expert
10+ Years Experience • 5,000+ Clients Helped

⚡ Quick Summary

  • ✅ Best for Balance Transfers: Citi® Diamond Preferred® (21 months 0% APR)
  • ✅ Best for Purchases: Wells Fargo Reflect® Card (21 months 0% APR)
  • ✅ Best No Annual Fee: Chase Freedom Unlimited® (15 months 0% APR + 5% cash back)
  • ✅ Average Interest Saved: $1,500-$5,000 during intro period
  • ✅ Credit Score Needed: 670+ (good to excellent credit)

💰 0% APR Savings Calculator

Calculate how much you'll save by transferring your balance to a 0% APR card:

$1,499
Total Interest Saved
$278
Monthly Payment Needed
$83
Current Monthly Interest
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📋 Table of Contents

🏆 Best 0% Intro APR Credit Cards 2025

Citi® Diamond Preferred® Card

Best for Balance Transfers
21 Months 0% APR
✓21 months 0% APR on balance transfers (3% transfer fee)
✓12 months 0% APR on purchases
✓No annual fee
✓Regular APR: 17.99% - 28.99% variable

Best For: Paying off high-interest credit card debt. The 21-month 0% period is one of the longest available, giving you almost 2 years to eliminate debt interest-free.

Apply for Citi® Diamond Preferred® →

Wells Fargo Reflect® Card

Best for Purchases & Balance Transfers
21 Months 0% APR
✓21 months 0% APR on purchases and balance transfers
✓No annual fee
✓Cell phone protection (up to $600)
✓Regular APR: 17.99% - 29.99% variable

Best For: Large purchases AND debt consolidation. Get 0% on both new purchases and balance transfers for 21 months, plus cell phone protection.

Apply for Wells Fargo Reflect® →

Chase Freedom Unlimited®

Best for Cash Back + 0% APR
15 Months 0% APR
✓15 months 0% APR on purchases and balance transfers
✓5% cash back on travel (through Chase), 3% on dining & drugstores
✓1.5% cash back on all other purchases
✓$200 bonus after $500 spend in first 3 months
✓No annual fee

Best For: People who want 0% APR PLUS ongoing rewards. After the intro period, continue earning 1.5-5% cash back on all purchases.

Apply for Chase Freedom Unlimited® →

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❓ Frequently Asked Questions

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