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The Best 0% APR Credit Cards for August 2022

Thinking of getting a 0% APR credit card? Well, don’t make your decision before reading this article. While there are multiple credit cards that offer 0% APR, not all of them are equally awesome. Here’s a list of the top 5 credit cards that offer 0% APR along with welcome bonuses and much more!
Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card earns unlimited 2% cash rewards on purchases, making it one of the best flat rate cash back cards on the market.

Annual Fee: $0

Get a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies

Balance Transfer Fee: Fee of up to 5%; min: $5

Capital One VentureOne Rewards Credit Card
If you’re not a fan of annual fees and marketing gimmicks, this card might just make the cut. With the Capital One VentureOne Rewards Credit Card, you can earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase, the card gets additional major value from the myriad of extra benefits standard on most Capital One cards.

Annual Fee: $0

Get a 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Balance Transfer Fee: 3%

Chase Freedom Flex
If you are looking for a credit card with no annual fee, the Chase Freedom Flex card is the one for you. The card has an annual fee of $0, yet comes with a smooth earnings structure that covers a wide range of expenses plus a meaty rewards structure to keep you excited.

Annual Fee: $0

Get a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24% applies. Intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days, after that either $5 or 5% of the amount of each transfer, whichever is greater applies.

Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Amex EveryDay Credit Card
The Amex EveryDay Credit Card offers a respectable 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. When you use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

Annual Fee: $0

Get a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 15.24% to 26.24%.

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Wells Fargo Reflect Card
The Wells Fargo Reflect Card is a good one for anyone looking to pay down debt or stretch payments on a new, large purchase. The main selling point of this card is the long introductory rate on both new purchases and eligible balance transfers.

Annual Fee: $0

Get a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. An intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods is available. A 15.24% to 27.24% variable APR applies after that. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, min $5 applies.

Balance Transfer Fee: up to 5%; min: $5
What Is a 0% Intro APR Credit Card and why should you get one?
A 0% APR credit card offers a period without interest charges on either purchases, balance transfers or both. Interest charges on outstanding credit card balances are steep so if you have high outstanding credit card balances, getting a credit card with 0% APR might be a smart move.

Credit cards with a 0% introductory APR are designed to help users who need extra time to pay off their charges, pay it off without the hassle of high interest payments.

Someone who is consistently able to pay their balance in full before accruing interest does not need to get a 0% APR credit card.
How to Pick a 0% APR Credit Card?
  • Look for the longest 0% APR offer available.


  • Consider which perks you want, not all card features are relevant.

  • Check your spending style, lifestyle payments and choose a credit card that suits this.
TL;DR
Credit cards with 0% APR are a strategic way to save money on interest, but they’re not all created equally. Each card has its own offering and choosing one that suits you is crucial. So, do your research and pick one with a long timeframe, better offers and low balance transfer amounts.
August, 12 / 2022
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