12 Best 0% APR Cards of July 2026

Interest charges? We don’t know her. If you’re planning a big purchase, moving a balance, or just want a little room to breathe, a credit card with a promotional introductory APR can be super helpful. These cards give you a break from interest charges for a set period of time, whether it's on purchases, balance transfers, or both. Just keep in mind: These offers are temporary, and the regular APR will kick in after the promo period ends. So it’s important to have a payment plan before that happens. Still, if used responsibly, these cards can help you save a chunk of cash and buy yourself some time.

Personal Cards

🏆 Best for $0 Annual Fee and Intro APR
Chase Freedom Unlimited® card art

Chase Freedom Unlimited®

Annual Fee: $0

$200 Cash BackBonus Points
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Rotating Categories
Chase Freedom Flex® card art

Chase Freedom Flex®

Annual Fee: $0

$200Bonus Points
Earn a $200 bonus after you spend $500 on purchases in the first 3 months of account opening.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Dining and Entertainment
Capital One Savor Cash Rewards Credit Card card art

Capital One Savor Cash Rewards Credit Card

Annual Fee: $0

Rates & Fees|Terms Apply
$250 cash bonusBonus Points
LIMITED TIME OFFER
Earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening
🚀 Learn How to Apply👀 Read Our Take
🏆 Best No Annual Fee Starter Card
Capital One VentureOne Rewards Credit Card card art

Capital One VentureOne Rewards Credit Card

Annual Fee: $0

20,000Bonus Miles
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Families
Blue Cash Everyday® Card from American Express card art

Blue Cash Everyday® Card from American Express

Annual Fee: $0

Rates & Fees|Terms Apply
As high as $200Bonus Points
As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Cash Back Match
Discover it® Cash Back card art

Discover it® Cash Back

Annual Fee: $0

🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Groceries and Streaming
Blue Cash Preferred® Card from American Express card art

Blue Cash Preferred® Card from American Express

Annual Fee: $0 intro annual fee for the first year, then $95

Rates & Fees|Terms Apply
As high as $300Bonus Points
As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Flat-Rate Cash Back
Citi Double Cash® Card card art

Citi Double Cash® Card

Annual Fee: $0

$200Bonus Points
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your account opening.
🚀 Learn How to Apply👀 Read Our Take
🏆 Best for Long Intro APR
Wells Fargo Reflect® Card card art

Wells Fargo Reflect® Card

Annual Fee: $0

Rates & Fees|Terms Apply
Lowest intro APR for 21 monthsBonus Points
👀 Read Our Take

Business Cards

🏆 Best Business Card with $0 Annual Fee
Ink Business Unlimited® Credit Card card art

Ink Business Unlimited® Credit Card

Annual Fee: $0

$1,000 Bonus Cash BackBonus Points
LIMITED TIME OFFER
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
🚀 Learn How to Apply👀 Read Our Take

Which Card is Right for You?

Cards with promotional APRs are a great option if you need a little financial runway, whether it’s for a big expense or paying down an existing balance. If you're trying to avoid interest charges on a large purchase, look for cards that offer a no-to-low intro APR on purchases. If you’re carrying a balance and want to face that straight on, go for a card with no intro APR on balance transfers (just make sure to check if there's a transfer fee involved).
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Some cards even offer both perks, making them great all-around if you want a super flexible option. Just be sure to read the terms and know how long the promo period lasts, so you avoid any surprises down the line.

Other Ways to Earn

A 0% APR is a great short-term benefit, but it doesn’t have to be the only reason you pick a card. Many of these cards also earn rewards on everyday spending, so you can still rack up points or cash back while enjoying that sweet, sweet interest-free time.
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You might find cards that offer points back at grocery stores, gas stations, or restaurants, even while you’re paying off a balance. Others might give you flat-rate rewards on all purchases. Either way, it's nice to know you're still earning while you're managing your finances. Talk about a win-win!

Pros and Cons

Pros

You’ll avoid interest charges during the intro APR period, giving you time to pay off large purchases or transferred balances


Many cards come with rewards programs, so you’re not missing out while you pay things off


Can be a great way to manage expenses without immediately going into debt with interest


Useful for consolidating debt across multiple cards

Cons

These cards are only helpful if you pay off your balance before the promo period ends — otherwise, interest charges can catch up quickly


Some cards charge balance transfer fees, so you might not save as much


Not all intro APR cards offer strong travel perks or long-term rewards value

FAQs

Do I have to pay minimum payments during the intro APR period?

Yes, even during the 0% intro period, you’re still required to make at least the minimum payment each month to avoid late fees and potential damage to your credit score.

Is there a fee for transferring a balance?

Most cards charge a balance transfer fee (often a percentage of the amount you're transferring). That fee can add up, so be sure to weigh it against the interest you’d be saving.

What happens when an intro APR ends?

Once the promotional period is over, the card's regular APR kicks in. Any remaining balance will begin to accrue interest at that rate — so ideally, you’ll want to pay it off before then.

Can I still earn rewards with a card that has an intro APR?

Yes, many of these cards let you earn rewards on your spending even while you're enjoying a 0% intro APR. That means you can save on interest and earn points or cash back at the same time (yay!).

How long do intro APR periods usually last?

It depends on the card, but you’ll typically see promotional periods ranging from several months up to a year or more. Be sure to check the exact length when applying so you can plan accordingly.

What is an introductory APR?

An introductory APR is a limited-time interest rate offered by a credit card (usually 0%) on purchases, balance transfers, or both. After the promo period ends, a standard APR applies.

Why Trust Daily Drop?

At Daily Drop, our editorial team is made up of seasoned travel and credit card experts who have spent years mastering travel rewards and testing the best strategies firsthand. Founder Nate Buchanan, of Kara and Nate, has personally earned and redeemed millions of points and miles over the past 10+ years, saving tens of thousands of dollars on travel. Our team shares similar hands-on experience, ensuring our recommendations are practical, tested, and built on real-world knowledge. After all, we wouldn’t be Daily Drop if we weren’t practicing what we preach.

Our independent reviews break down rewards, perks, fees, and overall value to help you make informed decisions. We also analyze audience data, considering reader engagement and trends, so our recommendations reflect what actually matters to you.

While we may earn a commission if you apply for a card through our site, our opinions are our own — based solely on expert analysis and firsthand experience, not influenced by any bank, credit card issuer, hotel, airline, or other entity. Our goal is simple: helping you maximize your rewards and travel smarter.

Read our full methodology for more information.

Authors

McKay Moffitt

Written by: McKay Moffitt

Writer

Tiffany Eastham

Edited by: Tiffany Eastham

Writer & Editor

Updated:Jun 30, 2026
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