0% APR Credit Cards

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

• 5% Cashback on Quarterly Bonus Categories: Earn 5% cashback on purchases in quarterly bonus categories such as gas stations, grocery stores (excluding Target® and Walmart®), car rental agencies, movie theaters, purchases made using PayPal, and select online merchants, up to $1,500 in total combined purchases. You must activate your 5% bonus cash back each quarter by the activation deadline.
• Earn 5% cashback on travel purchased through Chase Travel.
• Earn 3% cashback on dining and drugstore purchases.
• Earn 1% cashback on all other purchases.
• Lyft: 5% on qualifying Lyft rides through 03/31/2025.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
• 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 19.99% - 28.74% applies to purchases and balance transfers.
• Redeem Your Rewards: For cash, travel, gift cards, products, services, and more. Cashback rewards do not expire.
• DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
• Cell phone protection: Receive up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when paid with your eligible credit card. Maximum of 2 claims in a 12-month period with a $50 deductible per claim.
• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of 3 years or less.
• Travel benefits: Include Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Trip Cancellation and Interruption Insurance.
• Additional Features: Include free credit score and identity restoration services with Chase Credit Journey, 24/7 fraud monitoring, and zero liability protection.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

• Cashback: Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstore purchases and dining at restaurants, 1.5% cashback on all other purchases.
• Lyft: Earn 5% on qualifying Lyft rides through March 31, 2025.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the amount of each transaction in U.S. dollars.
• 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 19.99% – 28.74% applies to purchases and balance transfers.
• Redeem Your Rewards: For cash, travel, gift cards, purchases, and more. Cashback rewards do not expire.
• DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
• Travel Benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, and Travel and Emergency Assistance Services.
• Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended warranty protection: Extends the warranty period by one additional year on eligible warranties of three years or less.
• Additional features: Zero liability protection, 24/7 fraud monitoring, free credit score and identity restoration with Chase Credit Journey, digital wallet technology, and contactless checkout.
• Click ‘Apply Now’ to see the full terms and conditions.

• Annual fee: None.
• Foreign transaction fees: 3% of the amount of each transaction in U.S. dollars.
• 0% Intro APR on Purchases and Balance Transfers: For 18 months from account opening.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 19.99% - 28.74% applies to purchases and balance transfers.
• Lower your interest rate: You will be automatically considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card each year until your APR reaches the Prime Rate plus 9.74%.
• Raise your credit limit: Get an automatic, one-time review for a higher credit limit when you pay on time and spend $500 in your first six months.
• DoorDash: Get a complimentary three months of DashPass. After that, you are automatically enrolled in DashPass at 50% off for the next nine months. Activate by January 31, 2025. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
• Chase Offers: Access great deals in the Chase Mobile app and at chase.com. No coupons, codes, or vouchers needed. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
• Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended warranty protection: Extends the warranty period by one additional year on eligible warranties of 3 years or less.
• Travel benefits: Includes Roadside Dispatch® and Auto Rental Collision Damage Waiver.
• Additional features: Includes Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, embedded chip for enhanced security, contactless checkout, digital wallet, automatic accounts alerts, card replacement, and 24/7 customer service.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 25,000 bonus points after you spend $1,000 in purchases within the first 90 days of account opening.
• Unlimited Points: Earn 1.5x points per $1 spent on all purchases.
• Annual Fee: None.
• Foreign Transaction Fees: None.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
• Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases or book your next trip.
• Better Money Habits®: Learn how responsibly handle your credit.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• 0% Intro APR on Purchases: For 18 months from account opening.
• 0% Intro APR on Balance Transfers: For 18 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 15.74% - 25.74% applies to purchases and balance transfers.
• Annual fee: None.
• Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
• No penalty APR: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
• Better Money Habits®: Learn how to responsibly handle your credit.
• Additional features: Includes fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn a $200 cash rewards bonus when you spend $1,000 on purchases in the first 90 days from account opening.
• Cashback: Earn unlimited 1.5% cashback on all purchases. Cash rewards do not expire.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
• Redeem Rewards: Redeem rewards as a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
• Better Money Habits®: Learn how responsibly handle your credit.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel and dining purchases.
• Unlimited Points: Earn unlimited 1.5x points for every $1 spent on all purchases. Points do not expire, and there are no blackout dates or restrictions.
• Annual Fee: None
• Foreign transaction fees: None.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
• Preferred Rewards® Program: Enroll in the Preferred Rewards program to earn 25% - 75% more points on every purchase, boosting your rewards potential to 1.87 to 2.62 points per $1 spent.
• Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases, or use them to book your next trip.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• 0% Intro APR on Purchases: For 18 months from account opening.
• 0% Intro APR on Balance Transfers: For 18 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 15.74% - 25.74% applies to purchases and balance transfers.
• Annual fee: None.
• No penalty APR: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
• Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency or U.S. dollars if the transaction is processed outside the United States. This fee will be in addition to any other applicable fee.
• Additional features: Includes 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, free access to FICO® Score, and access to credit education.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days from account opening.
• Cashback: Earn unlimited 1.5% cashback on all purchases. Cash rewards do not expire.
• Annual Fee: None
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
• Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
• Redeem Rewards: Redeem your rewards as a statement credit or via direct deposit into an eligible Bank of America® or Merrill® account.
• Preferred Rewards® Program: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% to 75% more cashback on every purchase. This means you could earn 1.87% to 2.62% cashback on every purchase.
• Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
• Click ‘Apply Now’ to see the full terms and conditions.

• Annual fee: None.
• Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
• 0% Intro APR on Purchases: For 21 months from account opening.
• 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Regular APR: After the introductory period, a variable APR of 17.74% - 29.49% applies to purchases and balance transfers.
• My Wells Fargo Deals: Access personalized deals from a variety of merchants. It’s an easy way to earn cashback for your purchases. Once activated, you can view the terms of the deal, then shop at that merchant using your eligible card. Cashback credit will be applied to your statement or account.
• Cell phone protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Travel benefits: Includes Roadside Dispatch® and Auto Rental Collision Damage Waiver.
• Additional features: Includes emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
• Click ‘Apply Now’ to see the full terms and conditions.