Forbes considered dozens of 0% APR credit cards from major issuers to come up with this list of the absolute best. Card attributes given priority include the length of 0% APR offers, rewards programs and credit card fees. We also considered credit card bonus offers on cards that extend 0% APR on purchases.
The Capital One® VentureOne® Rewards Credit Card* makes it easy to earn rewards on purchases and save money on interest at the same time. This card also comes with no annual fee and no foreign transaction fees, making it a smart rewards card to keep for the long haul.
0% APR Offer: Qualify for 0% intro APR on purchases for 12 months, followed by a variable APR of 15.99% – 25.49% based on your creditworthiness.
Rewards: Earn 1.25 miles for each dollar you spend.
Bonus Offer: Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Annual Fee: $0
Benefits and Drawbacks: The Capital One® VentureOne® Rewards Credit Card is an easy card to consider if you want to make a large purchase and pay it off over time. Once you’re approved, you’ll have 12 months to make purchases and pay them off without any interest payments. You can also earn an initial welcome bonus on your spending, and you’ll earn 1.25 miles for each dollar you spend.
The only real downsides of this card include the fact you’ll only qualify for 0% APR for 12 months, and that this offer only extends to purchases (and not balance transfers). Also be aware that a handful of credit cards offer a longer 0% APR period with a higher rate of rewards, including some cards on this list.
You can read our full review of the Capital One VentureOne Rewards Card here.