4 Best 0 APR Credit Cards

If you want to avoid interest charges for large purchases or seek balance transfer credit cards, having a 0 percent intro APR can benefit you over many billing cycles before the regular annual percentage rate (APR) applies. However, you'll want to pay on time to avoid a penalty APR and late fee that can negate the benefit.

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When looking at credit card offers, you'll find the best 0 APR credit cards often charge no annual fee and may offer a sign-up bonus and ongoing bonus cash rewards. Consider some of the four best credit cards from Discover, U.S. Bank, American Express and Bank of America.

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Consider also:Which Credit Cards are Considered Major Credit Cards?

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1. U.S. Bank Visa Platinum

Giving you a 0 percent introductory APR for ​20 months​, the U.S. Bank Visa® Platinum stands out if you need the most billing cycles to pay off a large purchase until the ​14.49 to 24.49 percent​ variable APR kicks in. The promotion at account opening works for both balance transfers and purchases. You'll experience no annual fee the first year or thereafter. However, a ​3 percent​ balance transfer fee and a ​2 to 3 percent​ foreign transaction fee can apply.

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This card doesn't give cash back or have a reward program However, cardholders do get free cell phone protection and a free credit score tracker.

To take advantage of this promotional APR offer, you can visit the card's application page.

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2. American Express Blue Cash Everyday

If you want a 0 percent introductory APR period plus cashback rewards, the American Express Blue Cash Everyday® can fit both needs. The introductory offer applies to purchases for ​15 months​, and you'll pay a ​13.99 to 23.99 percent​ variable APR after the period ends. You can also take advantage of zero-fee pay later plans during the promotional period as well as receive a ​$250​ statement credit if your new purchases total ​$2,000​ within ​six months​ of account opening.

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The card offers a rewards program with ​3 percent​ cash back for grocery store purchases, ​2 percent​ back at gas stations and certain department stores and ​1 percent​ back on other everyday purchases. You also get numerous perks such as car rental insurance and access to special experiences.

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To get this new card, you can explore options and apply now by visiting American Express's card page.

Consider also​: How to Make a Cash Advance With an American Express Gold Card

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When looking at credit card offers, you'll find the best 0 APR credit cards often charge no annual fee and may offer a sign-up bonus and ongoing bonus cash rewards.

3. Bank of America Customized Cash Rewards

The Bank of America® Customized Cash Rewards card offers a ​15-month​ interest-free period for purchases and balance transfers (​3 percent​ balance transfer fee applies). You pay a variable APR of ​13.99 to 23.99 percent​ after the intro APR period. This is a no-annual fee card.

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This card stands out since you can choose from certain bonus categories to receive ​3 percent​ cash back, get ​2 percent​ back at U.S. supermarkets and ​1 percent​ on others. You can get a ​$200​ welcome bonus for spending ​$1,000​ during the first ​90 days​ of account opening. You get other benefits like being able to see your FICO score.

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You can view Bank of America's card page to apply now and see which terms apply.

4. Discover It Cash Back

Giving you ​14 months​ with a 0 percent balance transfer and purchase APR, the Discover It® Cash Back card helps with new purchases and transfers from cards with a higher regular APR. After the intro APR offer, you pay an ​11.99 to 22.99 percent​ variable interest rate based on creditworthiness. The intro balance transfer fee is ​3 percent​ compared to ​5 percent​ after the promotional period ends.

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You can enjoy a top cashback rewards rate of ​5 percent​ when you make eligible purchases through places such as grocery stores or Amazon or you use PayPal. Otherwise, you get ​1 percent​ back on card charges and the potential for bonus points on rotating categories.

To get this card for a big purchase or everyday purchases, you can apply through Discover's card page.

Consider also​: Secured Credit Card vs. Prepaid Debit Card

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