Want to see the best 0% APR credit card deals — July 2025 Edition

Smarter Payments and Interest Savings to Make Your Summer Cash Go Further

Whether you have an existing balance or are thinking of a major purchase for this summer, now is a good time to consider 0% APR credit card offers. Be it a last-minute getaway, back-to-school shopping or just debt reduction, a card with 0% interest can save you the hundreds you lose throughout the year (if you use it correctly).

We dig into the best 0% APR credit cards to apply for right now (interest-free periods, bonus perks, cost of credit (APR), and application requirements) in this July 2025 preview. You’ll know what to consider before applying, and how to use these offers to your advantage.

The Importance of 0% APR Cards in 2025

Credit card interest remains between 21% – 27% APR due to the Fed still keeping rates above pre-pandemic levels. That also means that even if you only have a balance for a couple of months it will cost you dearly.

This means that had you taken advantage of a 0% APR offer, you would have had time to:

0% interest when you purchase something for 12 to 21 months
Combine Other High-Interest Cards
Plan for major expenses (such as vacations, furniture, and tuition)
Financial Transition (Change job, moving, …) — No Interest

Several cards provide other benefits — such as cash back, points or no annual fee — so they can be a useful weapon for summer warfare for your wallet.

What to Know Before Applying

Here Are The Things To Keep In Mind Before Taking A 0% Apr Offer

Intro APRs are limited-time offers: You’ll pay zero interest only for the promotional period. Then, the normal APR kicks in—generally, around 17 percent to 28 percent.

You still have to make at least the minimum payment: If you miss a payment, your intro rate can disappear.

You may need good or excellent credit: Most issuers prefer a 670 or higher credit score.

The thing you need to watch out for is balance transfer fees: Most likely around 3% to 5% of the balance you shuttle around.

Caveat: To avoid interest altogether simply pay off the balance prior to the end of the introductory period. Automatic payments follow you to resist temptation, which justifies the use of an app.

Best 0% APR Credit Cards for July 2025

This month, the best credit cards offering 0% APR include, based on available deals and value to cardholders.

Wells Fargo Reflect® Card
Ideal for: longest 0% interest provision

Long 0% intro APR on purchases and qualifying balance transfers (up to 21 months)**
$0 annual fee
No rewards with the card but a good option for a big purchase or paying off debt
Requires good to excellent credit

What makes it great: If you want the longest possible interest-free period, this card takes the crown in 2025. Simply keep up with all payments to retain the full span of 21 months.

Citi Simplicity® Card
Ideal for: No late fee and penalty APR

18 months, 0% intro APR on purchases and balance transfers
No late fees—ever
No annual fee
No rewards program

Why it’s awesome: Forgetful payers rejoice, this one provides a buffer for late payments to help you avoid penalties and is a perfect card if you are consolidating debt or managing variable income levels.

Chase Freedom Unlimited®
Ideal for: 0% APR and reward amenities

Introductory APR of 0% on purchases and balance transfers for 15 months
1.5%-3% cash back on all dollars spent + higher in bonus categories
Get $200 after spending $500 in the first 3 months
$0 annual fee

Why we love it: Perfect for regular use — even after the introductory period runs out — this card strikes a great balance between rewards and spending without interest.

Discover it® Balance Transfer
Ideal for: Balance transfers + cash back

18 months — 0% intro APR on balance transfers; 6 months on purchases
FREE cash back match: All the cash back you earn will be doubled at the end of your first year
3% cash back in the form of a statement credit at restaurant / 2% cash back on Home Improvement Store, 5% cash back on categorized rotating categories (registration each quarter to earn 5%)
$0 annual fee

Why you might love it: For a good option for a balance transfer while still earning cash back, this is one of closest to the top of the list in terms of it being a true rewards powerhouse.

U.S. Bank Visa® Platinum Card
Best for: Simple, long-term financing

10 cycles of 0% intro APR on purchases and balance transfers
$0 annual fee
No rewards program

Why this is awesome: If you want to budget big purchases like home improvement, tuition or medical bills, you can avoid the nonsense of points/bonuses.

Simply choose the one with the 0% APR that is right for you

Four tips to make the most out of your card:

Make sure to at least hit the minimum each month to not activate the fees or interest triggers
If you are using it to pay off debt, resist the urge to buy new things
Write down your calendar 30–60 days ahead of the intro APR deadline
Use an app or a spreadsheet to keep track of your spending so that you don’t exceed your projected budget

And just remember, a 0% APR card is meant to be a way to pay no interest — not for adding new debt that you can’t pay off.

Wrapping Up: How to Make the Most of Your 0% APR Card

Four tips to make the most out of your card:

Make sure to at least hit the minimum each month to not activate the fees or interest triggers
If you are using it to pay off debt, resist the urge to buy new things
Write down your calendar 30–60 days ahead of the intro APR deadline
Use an app or a spreadsheet to keep track of your spending so that you don’t exceed your projected budget

And just remember, a 0% APR card is meant to be a way to pay no interest — not for adding new debt that you can’t pay off.

The Takeaway: Plan Smart to Borrow Smart

A 0% APR credit card is an item available to you that can become quite a tool in your financial toolbox — this summer, a season high in cost. Whether you are paying off high-interest debt or temporarily laying out a significant expenditure, the right card allows you to borrow without interest — and without lasting repercussions.

Simply do your research, don’t overspend, and be utilizing the card as intended. Now, with offers this July, has never been a better time to take charge of your credit.

Looking to compare more offers?
Full list: Best 0% APR credit cards 2025: Ratings, card reviews & advice