Best 0% APR Credit Cards for January 2025
Choosing the right credit card with a 0% introductory APR can make managing large purchases, consolidating debt, or saving on interest so much easier. Here are our top picks, carefully organized to help you find the perfect fit for your needs.Top Picks for January 2025
Ink Business Cash® Credit Card
Why We Love It: Great for small businesses looking to earn big rewards while enjoying a generous 0% APR period.
Intro APR: 0% on purchases for 12 months.
Rewards: 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually).
Annual Fee: $0
Welcome Offer: $900 bonus after spending $6,000 in the first 3 months.
Type: Business Card.
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Ink Business Unlimited® Credit Card
Why We Love It: Simple and rewarding with flat-rate cash back and a strong intro APR offer.
Intro APR: 0% on purchases for 12 months.
Rewards: Unlimited 1.5% cash back on all purchases.
Annual Fee: $0
Welcome Offer: $900 bonus after spending $6,000 in the first 3 months.
Type: Business Card.
Strong Contenders for Professionals and Individuals
American Express® Blue Business Plus Credit Card
Why We Love It: Perfect for earning Membership Rewards points with no annual fee.
Intro APR: 0% on purchases for 12 months.
Rewards: Earn 2X Membership Rewards points on the first $50,000 spent annually; 1X after that.
Annual Fee: $0
Type: Business Card.
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American Express® Blue Business Cash Card
Why We Love It: Simple cash-back rewards with no complicated categories.
Intro APR: 0% on purchases for 12 months.
Rewards: 2% cash back on the first $50,000 spent annually; 1% after that.
Annual Fee: $0
Type: Business Card.
Citi and Discover Standouts
Citi® Diamond Preferred® Card
Why We Love It: A top choice for balance transfers with one of the longest intro APR periods.
Intro APR: 0% for 21 months on balance transfers; 12 months on purchases.
Annual Fee: $0
Type: Personal Card.
Discover it® Miles
Why We Love It: Great for earning miles with no complicated categories, plus a solid intro APR offer.
Intro APR: 0% for 15 months on purchases.
Rewards: Unlimited 1.5X miles on every dollar spent.
Annual Fee: $0
Type: Personal Card.
Other Excellent Choices
Citi® Simplicity® Card
Why We Love It: No late fees, penalty APRs, or annual fees – perfect for balance transfers.
Intro APR: 0% for 21 months on balance transfers; 12 months on purchases.
Annual Fee: $0
Type: Personal Card.
Citi® Rewards+ Card
Why We Love It: Unique rewards structure that rounds up points on every purchase.
Intro APR: 0% for 15 months on purchases and balance transfers.
Rewards: 2X points at supermarkets and gas stations (up to $6,000 annually); 1X points on all other purchases.
Annual Fee: $0
Type: Personal Card.
Citi® Double Cash Card
Why We Love It: Earn while you pay down balances with simple and rewarding cash back.
Intro APR: 0% for 18 months on balance transfers.
Rewards: 2% cash back - 1% on purchases, 1% when you pay them off.
Annual Fee: $0
Type: Personal Card.
Blue Cash Everyday® Card from American Express
Why We Love It: Everyday savings with strong rewards on groceries and gas.
Intro APR: 0% for 15 months on purchases and balance transfers.
Rewards: 3% cash back at U.S. supermarkets (up to $6,000 per year), 2% at U.S. gas stations, and 1% on all other purchases.
Annual Fee: $0
Type: Personal Card.
Comparison Table
| Card Name | Intro APR | Annual Fee | Rewards | Welcome Offer |
|---|---|---|---|---|
| Ink Business Cash® | 0% for 12 months on purchases | $0 | 5% on office supplies, etc. | $900 after $6,000 in 3 months |
| Citi® Diamond Preferred® | 0% for 21 months on transfers | $0 | None | None |
| Discover it® Miles | 0% for 15 months on purchases | $0 | 1.5X miles on all purchases | Match all miles earned in the first year |
| Amex Blue Business Plus | 0% for 12 months on purchases | $0 | 2X Membership Rewards points | None |
| Citi® Double Cash Card | 0% for 18 months on transfers | $0 | 2% cash back | None |
How to Choose the Best Card
- For Balance Transfers: Look for the longest intro APR period and low transfer fees.
- For Rewards: Choose cards that align with your spending habits, like dining, travel, or groceries.
- For Businesses: Consider cards with no annual fee and strong rewards on business expenses.
- For Simplicity: Go for flat-rate cash-back rewards or cards with no late fees.
With these excellent options, you can confidently choose the best card tailored to your financial goals.
Let us know if you have questions or need assistance!