LA Times' Recommended 0% Interest Credit Cards

Wells Fargo Reflect® Card

Our rating:4.2

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Intro bonus

Card without rewards: No current offer

0% intro APR purchase period: 0% intro APR for 21 months from account opening

0% Intro APR Balance Transfer Period: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR: 17.49%, 23.99%, or 29.24% Variable APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Introductory Offer:: 5.0
Rates & Fees:: 3.3
Features:: 1.5
Issuer Customer Experience:: 2.0

Highlights

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro APR for 21 months from account opening
Regular APR: 17.49%, 23.99%, or 29.24% Variable APR
Intro Balance Transfers APR: 0% intro APR for 21 months from account opening on qualifying balance transfers

Wells Fargo Active Cash® Card

Our rating:4.1

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Intro bonus

$200 cash rewards: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR purchase period: 0% intro APR for 12 months from account opening

0% Intro APR Balance Transfer Period: 0% intro APR for 12 months from account opening on qualifying balance transfers

Regular APR: 19.49%, 24.49%, or 29.49% Variable APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value:: 4.0
APR:: 1.0
Rewards Flexibility:: 4.7
Features:: 3.0
Issuer Customer Experience: 2.0

Highlights

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro APR for 12 months from account opening
Regular APR: 19.49%, 24.49%, or 29.49% Variable APR
Intro Balance Transfers APR: 0% intro APR for 12 months from account opening on qualifying balance transfers

Chase Freedom Unlimited®

Our rating:5.0

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Intro bonus

Up to $300 cash back: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 19.74% - 28.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 15 months
Regular APR: 19.74% - 28.49% Variable
Intro Balance Transfers APR: 0% Intro APR on Balance Transfers for 15 months

Discover it® Cash Back

Our rating:4.6

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Intro bonus

Cashback Match: Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 2.0
Issuer Customer Experience: 5.0

Highlights

Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 15 months
Regular APR: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
Intro Balance Transfers APR: 0% for 15 months

Capital One VentureOne Rewards Credit Card

Our rating:4.1

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Intro bonus

20,000 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

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 19.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value:: 3.7
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 3.5
Issuer Customer Experience:: 4.0

Highlights

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 19.49% - 29.49% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months

Blue Cash Everyday® Card from American Express

Our rating:4.8

See Rates & Fees, Terms Apply

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Intro bonus

Earn $200: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 18.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 18.49%-29.49% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

Capital One Savor Cash Rewards Credit Card

Our rating:4.9

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Intro bonus

$200 Cash Back: $200 Cash Back after you spend $500 on purchases within 3 months from account opening

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 19.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 4.8
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 19.49% - 29.49% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months

Capital One Quicksilver Cash Rewards Credit Card

Our rating:3.7

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Intro bonus

$200: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

0% intro APR purchase period: 15 months

0% Intro APR Balance Transfer Period: 15 months

Regular APR: 19.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.7

Rating methodology

Rewards Value:: 2.3
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 19.49% - 29.49% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months

Intro bonus

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