Best For: Flexible Rewards

The Chase Freedom Flex℠ offers a long 0% intro APR on purchases and balance transfers of 15 months (then an ongoing variable APR of 20.49% - 29.24%), allowing cardholders to save on interest while earning cash-back rewards. With 5% cash back on rotating categories (on up to $1,500 in purchases, then 1% - activation required), 5% cash back on purchases through Chase Travel™, 3% on dining and drugstores, and 1% on all other purchases, this versatile card is an excellent choice for those seeking a balance of savings and rewards.

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Best For: Streamlined Cash Back

The Capital One Quicksilver Cash Rewards Credit Card stands out for its lengthy intro APR period on purchases, giving cardholders ample time to pay off expenses or finance major purchases without interest charges (see rates & fees). Coupled with its straightforward 1.5% unlimited cash back on all purchases, no annual fee, and no foreign transaction fees, the Quicksilver Cash Rewards card is an excellent choice for those seeking to maximize cash-back rewards while taking advantage of a generous interest-free period.

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Best For: Travel Rewards with No Annual Fee

The Capital One VentureOne Rewards Credit Card offers a generous 0% intro APR on purchases (see rates & fees). Like the other cards we’ve highlighted, this introductory 0% APR gives you a chance to make purchases without incurring interest charges for over a year, allowing you to pay off the balance gradually or take advantage of the interest-free financing for larger expenses. You’ll also earn an unlimited 1.25 miles per dollar on every purchase, which can be redeemed for travel purchases, transferred to airline and hotel partners, or used to erase previous travel expenses. The card also offers a generous sign-up bonus, no foreign transaction fees, and valuable travel benefits like travel accident insurance and 24-hour travel assistance services.

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Best For: Foodies and Entertainment Enthusiasts

Dining, entertainment, and long 0% Intro interest period? The Capital One SavorOne Cash Rewards Credit Card is our top pick for foodies and entertainment enthusiasts. In addition to earning 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), plus 1% on all other purchases, it also provides a 0% intro APR on purchases for 15 months, then variable 19.99% - 29.99%, based on your creditworthiness (see rates & fees). 

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Best For: U.S. Supermarkets

The Blue Cash Preferred® Card from American Express is the premier option for maximizing rewards on U.S. supermarket purchases, offering an unbeatable 6% cash back at U.S. supermarkets on up to $6,000 per year in spending (then 1%). This card also provides a 0% intro APR on purchases for the first 12 months, then 19.24% to 29.99% variable based on your creditworthiness (see rates & fees). This generous period allows you to finance expenses interest-free during the introductory period. While it carries a $95 annual fee. the exceptional earnings rate at supermarkets - coupled with the 0% intro APR promotion and additional bonus categories - make the Blue Cash Preferred a top contender for stretching your grocery budget, earning lucrative cash back on everyday essentials.

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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Comparing The Best 0% Interest Fee Credit Cards of 2024

The Chase Freedom Unlimited, Blue Cash Everyday from Amex, and Chase Freedom Flex all deliver a compelling combination - a 15-month 0% intro APR on purchases, no annual fee, and cash-back rewards tailored to different spending styles. Whether you prefer flat-rate, grocery/gas bonuses, or rotating quarterly categories, these top-tier cards provide interest savings alongside lucrative rewards aligned with your preferences. Any of these standout options can be an excellent choice for maximizing value.

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In summary, 0% intro APR credit cards offer a valuable dual benefit - financing purchases interest-free for an extended period while simultaneously earning rewards on that spending. These cards allow cardholders to make larger purchases, consolidate debt from higher-interest accounts, or simply take a break from interest charges, all while racking up cash back, points, or miles. By taking strategic advantage of the intro APR and paying balances before it expires, savvy users can maximize their purchasing power, earnings potential, and financial flexibility. For those looking to save on interest while earning lucrative rewards, a 0% intro APR card can be a game-changing tool.

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