Top Credit Cards with 0% APR and Rewards for 2025
As inflation continues to impact everyday spending, credit cards with 0% APR and generous rewards programs have become a smart financial tool in 2025. Whether you’re looking to pay off debt, finance a large purchase, or simply earn cashback on your regular expenses, the right credit card can save you hundreds—or even thousands—of dollars.
In this article, we’ve rounded up the top credit cards with 0% APR and rewards in 2025, helping you get the most out of your spending while avoiding costly interest charges.
What Is 0% APR?
A 0% APR (Annual Percentage Rate) promotion means you pay no interest on purchases, balance transfers, or both for a set introductory period—typically 12 to 21 months. After the promo ends, a standard interest rate applies. These offers are especially valuable for:
- Paying off high-interest debt
- Making large purchases (e.g., appliances or travel)
- Building or repairing credit responsibly
What to Look for in a 0% APR Rewards Card
When choosing a credit card, consider the following:
- Intro APR Duration: How long does the 0% interest last?
- Type of APR Offer: Does it apply to purchases, balance transfers, or both?
- Rewards Program: Look for cashback, points, or miles on everyday spending.
- Annual Fee: Many top cards charge no annual fee.
- Bonus Offers: Some cards offer signup bonuses for new users.
Best 0% APR and Rewards Credit Cards for 2025
Here are the top-performing cards this year, based on rates, perks, and real user feedback:
1. Chase Freedom Flex®
- Intro APR: 0% for 15 months (purchases & balance transfers)
- Rewards: Up to 5% cashback in rotating categories
- Annual Fee: $0
- Bonus Offer: $200 bonus after spending $500 in first 3 months
- Why It’s Great: Great for rotating quarterly categories like gas, groceries, and online shopping.
2. Wells Fargo Active Cash® Card
- Intro APR: 0% for 15 months
- Rewards: Unlimited 2% cashback on all purchases
- Annual Fee: $0
- Bonus Offer: $200 cash rewards after $500 in spending
- Why It’s Great: Simple, flat-rate cashback with a long 0% APR period.
3. Citi® Double Cash Card
- Intro APR: 0% for 18 months on balance transfers
- Rewards: 2% cashback (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Bonus Offer: None, but consistent rewards make up for it
- Why It’s Great: Excellent for paying off transferred balances and still earning cash back.
4. Bank of America® Customized Cash Rewards
- Intro APR: 0% for 18 billing cycles
- Rewards: 3% cashback in a category of your choice (gas, dining, etc.)
- Annual Fee: $0
- Bonus Offer: $200 online cash rewards
- Why It’s Great: Choose your top spending category and maximize returns.
5. Discover it® Cash Back
- Intro APR: 0% for 15 months
- Rewards: 5% cashback on rotating categories (up to $1,500 per quarter)
- Annual Fee: $0
- Bonus Offer: Cashback Match – all cash back earned in first year is doubled
- Why It’s Great: One of the best for maximizing cashback if you plan your purchases.
Tips for Using 0% APR Cards Wisely
- Pay off your balance before the intro period ends to avoid high interest.
- Don’t overspend just for rewards—stick to your budget.
- Set reminders for when your 0% period expires.
- Avoid late payments—missing one can cancel your promo rate.
Final Thoughts
A credit card with 0% APR and rewards is a powerful combo—especially in 2025, when smart financial tools are more important than ever. Whether you’re managing existing debt or optimizing your everyday purchases, these top cards provide flexibility, savings, and valuable perks.
Remember: Always read the fine print, compare offers, and choose the card that fits your financial habits.