Best 0% APR Cards

Annual fees, reward rates, intro APRs, welcome offers and foreign-transaction fees for 180 cards across 8 markets. Choose your country first — cards are only available to residents.

All markets US United States CA Canada UK United Kingdom AU Australia IE Ireland NZ New Zealand SG Singapore ZA South Africa

Card type All 0% APR Cards (5)Airline Cards (18)Balance Transfer (9)Business Cards (11)Cash Back Cards (43)Dining Cards (3)Gas & Groceries (2)No Annual Fee (8)Premium Cards (15)Rewards Cards (17)Secured Cards (5)Store Cards (17)Student Cards (2)Travel Rewards (25)

Cards Table

ASB Visa Light

Best for: Spreading a large purchase at 0% for six months, with no account fee

Annual feeNone

Foreign fee0% from 15 Sep…

MarketNew Zealand

4.5/5 Details

An Post Money Flex Credit Card

Best for: Spreading the cost of a large purchase over 9 months at 0%

Annual feeNone

Foreign fee2.65% of the t…

MarketIreland

4.3/5 Details

Bank of Ireland Classic Credit Card

Best for: A mainstream bank card with a 0% start on purchases or balance transfers

Annual feeNone

Foreign fee2.25% cross-bo…

MarketIreland

4.1/5 Details

Revolut Credit Card

Best for: Revolut users who want an app-managed card with a 0% start and a mid-range APR

Annual feeNone

Foreign feeSee issuer (de…

MarketIreland

4.1/5 Details

Tesco Bank Clubcard Credit Card (0% Purchases)

Best for: Spreading a big purchase at 0% while collecting Clubcard points

Annual feeNone

Foreign fee2.99%

MarketUK

4.1/5 Details