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Best 0% APR Credit Cards of May 2019

A credit card with a 0% intro APR allows you to make a big purchase, interest-free. It also can help you manage and bring down the cost of your existing credit card debt. With these cards, you pay 0% APR on purchases and balance transfers during a monthslong introductory period, saving you hundreds, maybe even thousands of dollars in interest charges. The best 0% cards have the longest intro periods, and they might even offer you the chance to earn some rewards.

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Best Card Offers for May 2019

 Best 0% APR Cards

ABOC Platinum Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

ABOC Platinum Rewards Credit Card works hard for the average cardholder attempting to increase their credit.

Key benefits:

Earn $150 Statement Credit with the ABOC Platinum Rewards Credit Card, and take advantage of their 0% introductory APR for 12 months. ABOC Platinum Rewards Credit Card has a APR% between after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

The Blue Business℠ Plus Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Business℠ Plus Credit Card from American Express is a solid choice for the entrepreneur who's looking for a card with flexibility, low costs and opportunities to earn extra rewards on everyday business purchases.

Key benefits:

Earn 2X Membership Rewards® points on office supplies, client dinners and other typical business spending, up to $50,000 in those purchases each year. Then, earn 1 point for every dollar spent. The card comes with Expanded Buying Power that allows cardholders to go beyond their credit limit --- and earn more rewards in the process.

A cardholder's ability to exceed the credit limit is determined by his or her payment history, credit record and other factors. No annual fee for this card, which also has a 0% introductory APR on purchases and balance transfers for 15 months.

Business Green Rewards Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it’s good for:

Businesses interested in flexible point rewards.

Key benefits:

The Business Green Rewards Card from American Express is a great option for businesses looking for a low annual fee. Cardholders recieve points for eligible purchases and double points for purchases through the American Express Travel website. Also, earn 5000 points after the first purchase on the card.

The Plum Card® from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Plum Card® from American Express is a great option for small-business owners looking to increase their spending limit over time as their business grows.

Key benefits:

Cardholders who pay early get a 1.5% discount, with no cap on what they can earn back. The card offers a $0 introductory annual fee your first year, then $250..

American Express Cash Magnet® Card
Credit Rating Needed:
Good, Excellent
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Who's it good for:

The American Express Cash Magnet® Card works great for consumers looking for a low fee cashback card, or folks looking to split large payments into smaller installments.

Key benefits:

With an APR as low as 15.24% - 26.24%, no annual fees, and unlimited cashback, the American Express Cash Magnet® Card is an excellent everyday cashback credit card. Additionally, the first 15 months of Plan It® allow you to split off a large purchase into monthly installments, free of fees.

Barclaycard Ring® Mastercard®
Credit Rating Needed:
Good/Excellent
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Who it's good for:

The Barclaycard Ring® Mastercard® works for cardholders looking to secure a low APR, as low as 14.24%, after the initial 0% APR introductory period.

Key benefits:

Barclaycard Ring® Mastercard® has the advantage of no annual fees, no foreign transaction fees, and an 0% APR on balance transfers as well.

Capital One® Quicksilver® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

The Capital One® Quicksilver® Cash Rewards Credit Card is a card for people looking for a balance transfer card---with cash back rewards.

Key benefits:

Providing unlimited 1.5% cash back, Capital One® Quicksilver® Cash Rewards Credit Card also offers 16.24% - 26.24% after $500 of purchases within 3 months of opening your account.

This card holds no annual fee, and the APR is 0% for 15 months---for balance transfers as well. After the 15-month period, the card returns to its variable APR, ranging between . Balance transfers are the same, with a 3% fee tacked on.

Capital One® Spark® Miles Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Miles Select for Business is an excellent no-frills card for small business owners who travel occasionally for business.

Key benefits:

Cardholders earn 1.5 miles per $1 on every purchase, miles won't expire for the life of the account, and there's no limit to the amount of miles a cardholder can earn.

Fly on any airline, anytime, with no blackout dates or seat restrictions.

Chase Freedom®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom® credit card is an excellent no-frills option for first-time cardholders, or cardholders looking to consolidate their debts.

Key benefits:

The Chase Freedom® credit card has a 0% introductory APR for 15 months from account opening on purchases and balance transfers.

Chase Freedom® also offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter.

Cardholders will earn a 1% cash back on all other purchases.

Ink Business Cash℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Cash℠ Credit Card is a fantastic rewards card for the business owner who's looking for a good company card that will provide solid savings on a full range of business expenses.

Key benefits:

Earn $500 bonus cash back after spending $3,000 on purchases in the first 3 months from account opening. Then, earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year. Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Other purchases earn 1% cash back.

The card has a $0 annual fee and a 0% introductory APR for 12 months on purchases. The cardholder can get employee cards at no additional cost.

Ink Business Unlimited℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Unlimited℠ Credit Card is an excellent no-frills small business credit card, especially for small business-owners looking to consolidate their credit card debts.

Key benefits:

The card boasts a $0 annual fee and a 0% Intro APR on Purchases for 12 months.

Employee cards can be issued at no additional cost.

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. Cardholders will also earn unlimited 1.5% cash back on every purchase.

Citi Simplicity® Card - No Late Fees Ever
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi Simplicity® Card is good for consumers with no to low credit, who are looking to build their credit score with a basic credit card.

Key benefits:

The Citi Simplicity® Card boasts that it's the only card with no late fees, no penalty rate and no annual fee...ever.

It offers a 0% introductory APR on balance transfers for 21 months from the date of first transfer.

Cardholders can set up their own bill payment schedule on any available due date throughout the month.

Citi Rewards+ Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with good credit who want a rewards card with no annual fees.

Key benefits:

Introducing the New Citi Rewards+ Card -- The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.. Earn points on all purchases, and 2X points on groceries and gas. Eligible applicants can access a low APR and there are no annual fees.

Citi Rewards+ Student Card
Credit Rating Needed:
Good
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Who it's good for:

The Citi Rewards+℠ Student Card is the perfect starter card for the student who is ready to start building credit and find out how a good rewards credit card works.

Key benefits:

The only credit card that automatically rounds up to the nearest 10 points on every purchase, the Citi Rewards+℠ Student Card also provides 2,500 bonus points after the cardholder spends $500 within 3 months of account opening. Those points are redeemable for a $25 gift card. The card also has a $0 annual fee and a 0% intro APR on purchases for 7 months. After that, the variable APR is 16.74% - 26.74%, based on creditworthiness.

Get 10% points back for the first 100,000 ThankYou® Points redeemed each year.

HSBC Gold Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The HSBC Gold Mastercard® credit card is good for cardholders interested in transferring a balance. With no annual fee, and 0% introductory APR on purchases and balance transfers, cardholders can rest easy.

Key benefits:

The card waives late fees, which is especially great for a balance transfer card. HSBC Gold Mastercard® credit card doesn't have foreign transaction fees, and although it has a variable APR between 14.24%, 20.24%, 25.24%, there's no penalty APR.

U.S. Bank Cash 365™ American Express® Card
Credit Rating Needed:
Excellent Credit
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Who it's good for:

The U.S. Bank Cash 365™ American Express® Card is good for consumers looking for an above-average cash back reward on all purchases.

Key benefits:

The U.S. Bank Cash 365™ American Express® Card offers unlimited 1.5% cash back on all eligible net purchases with no annual fee and a 0% APR on balance transfers for 12 billing cycles.

Wells Fargo Cash Wise Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Wells Fargo Cash Wise Visa® Card is a great cashback card for folks who use Apple Pay® or Google Pay™.

Key Benefits:

No annual fee, 0% intro APR just scratch the surface. Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. Cardholders earn an additional 1.8% cashback, for the first 12 months, on top of 1.5%, for using Apple Pay® or Google Pay™.