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Journey reward bank cards and 0 p.c introductory APRs on purchases and steadiness transfers don’t typically co-exist. Having journey rewards and 0 p.c APR are unbelievable perks on their very own, however once you mix the 2, you’ve a bank card with potential for substantial financial savings whereas touring.
The greatest journey rewards bank cards make it potential to considerably save on travel-related bills, whereas 0 p.c introductory APR affords prevent cash on expensive curiosity prices. Each of those advantages could make an enormous distinction along with your price range, particularly throughout instances of financial uncertainty.
Prime journey playing cards with 0% introductory APR affords
We picked the next bank cards and located our record of high contenders, every of which supply at the very least 12 months of a 0 p.c intro APR on purchases or steadiness transfers, plus earn excessive charges of journey rewards.
Finest for easy journey rewards program
Bankrate rating
4.0
Bankrate overview
Bankrate overview
0% intro APR for 12 months from account opening
19.24%, 24.24%, or 29.24% Variable APR
Finest for purchases and steadiness transfers
Capital One VentureOne Rewards Credit score Card
Bankrate rating
3.6
Bankrate overview
Bankrate overview
0% intro on purchases for 15 months
19.24% – 29.24% (Variable)
Finest welcome provide
Bankrate rating
3.9
Bankrate overview
Bankrate overview
0% Intro APR for 15 months
18.24% – 27.24% Variable APR
Finest for automated money again
Bankrate rating
4.4
Bankrate overview
Bankrate overview
0% for 15 months on purchases
18.24% – 28.24% (Variable)
Finest for prolonged intro APR provide
Financial institution of America® Personalized Money Rewards bank card
Bankrate rating
4.6
Bankrate overview
Bankrate overview
0% Intro APR for 15 billing cycles for purchases
18.24% – 28.24% Variable APR on purchases and steadiness transfers
Take away a card so as to add one other to match
Take away a card so as to add one other to match
Evaluating one of the best journey playing cards with 0% introductory APRs
| Card title | Annual charge | Rewards | Introductory APR affords | Really useful credit score rating |
|---|---|---|---|---|
| Wells Fargo Autograph® Card | $0 |
| 0% intro APR for 12 months from account opening on purchases (adopted by 19.24%, 24.24%, or 29.24% Variable APR). | 670 – 850 |
| Capital One VentureOne Rewards Credit score Card | $0 |
| 0% intro on purchases for 15 months and 0% intro on steadiness transfers for 15 months (adopted by a 19.24% – 29.24% (Variable) APR) | 670 – 850 |
| Uncover it® Miles | $0 | 0% Intro APR for 15 months on purchases and steadiness transfers (adopted by a 18.24% – 27.24% Variable APR). | 670 – 850 | |
| Citi Customized Money® Card | $0 |
| 0% for 15 months on purchases and 0% for 15 months on steadiness transfers (Steadiness switch charge applies with this provide 5% of every steadiness switch; $5 minimal., 18.24% – 28.24% (Variable) ongoing APR) | 670 – 850 |
| Financial institution of America® Personalized Money Rewards bank card | $0 |
| 0% Intro APR for 15 billing cycles for purchases, 0% Intro APR for 15 billing cycles for any BTs made within the first 60 days. A charge of three% for 60 days from account opening, then 4% will apply. (Adopted by a 18.24% – 28.24% Variable APR on purchases and steadiness transfers) | 670 – 850 |
How to decide on one of the best 0% APR journey bank card
Discovering the proper 0 p.c APR journey bank card could also be simpler than discovering your subsequent journey vacation spot. To make it so simple as potential, strive evaluating a number of completely different playing cards and contemplate what’s most significant to you as a cardholder. Listed below are some steps that may allow you to get began:
Learn how lengthy you want a break from curiosity
Discover the time interval is for every potential card’s 0 p.c intro APR provide and whether or not it applies to purchases, steadiness transfers or each. Is the time interval lengthy sufficient so that you can accomplish your monetary aim?
For instance, you probably have a big buy to make, then 12 months could also be ample time to make month-to-month funds and pay the complete steadiness. Or you could want an extended interval to consolidate and pay down a steadiness switch from a high-interest bank card.
Determine whether or not you’re prepared to pay an annual charge
Some bank cards don’t have any annual charge, whereas others could cost a number of hundred {dollars} per yr merely to hold the cardboard. Nonetheless, greater annual charges usually imply a extra sturdy rewards program and different advantages — comparable to a lovely welcome provide — which might offset the price of the annual charge if used properly.
Examine every card’s ongoing APRs
The ongoing APR is the curiosity utilized to your bank card as soon as the promotional zero-interest charge is over. This charge is definitely set once you open the account, even when it’s not in impact for a number of months. Take into account that many bank card issuers use a variable APR as an alternative of a set one, which implies the speed is topic to alter.
Be taught what every card’s journey rewards are price
You’ll wish to know how a lot the journey rewards are price once you redeem them. The worth of the factors or miles relies upon not solely on the rewards program you’re enrolled in, but in addition the way you redeem them. For instance, Wells Fargo factors are price 1.0 cents every on common and are usually solely redeemable for money again. Alternatively, Capital One miles are price a median of 1.7 cents every and might range primarily based on the journey associate you switch them to.
Easy methods to calculate your factors and miles worth
You’ll be able to calculate the factors and miles worth of a reward by dividing the price of the journey in money (such because the resort room or flight) by the associated fee in factors or miles. As an example, should you discover a flight that prices $300, or 25,000 factors, then the worth of the factors for this flight can be 1.2 cents per level ($300 ÷ 25,000 = 0.012, or 1.2 cents).
When you’ve estimated the final worth, you’ll be able to evaluate it to the rewards factors values listed with Bankrate, to see if the worth is equal or higher than the usual. Keep in mind the worth of your factors or miles relies upon not solely on this system you’re enrolled in, but in addition what you’re reserving.
Easy methods to benefit from your zero-interest interval
In case your journey rewards card does provide a zero-interest interval, there are methods to maximise the profit, together with:
- Don’t miss a fee due date: Most frequently the zero-interest provide is canceled should you miss a fee and the APR reverts to the continued APR, leading to expensive curiosity prices. This often applies even should you miss the fee by a day, so set a reminder to pay earlier than the due date.
- Repay a steadiness switch earlier than the interval is over: If the zero-interest applies to a steadiness switch, your greatest strategy is to pay the complete steadiness earlier than the finish of the promotional interval. Normally, no matter steadiness stays as soon as the time interval ends is topic to the continued APR curiosity. Set a reminder in your calendar and repay the complete steadiness earlier than the tip date.
- Make and persist with a price range: It’s vital to remain on high of the month-to-month funds for the zero-interest card and make it part of your ongoing price range that you simply plan for every month. Paying lower than the minimal quantity due could forfeit the zero-interest.
- Know your bank card’s ongoing APR: The continued APR is the rate of interest you’ll be able to count on to pay as soon as your card reverts from its promotional APR. When you suppose you could carry a steadiness on the cardboard or can have a the rest after a steadiness switch, then search for a card with as low of an ongoing APR as potential.
What’s subsequent?
The underside line
Whereas incomes journey rewards with a bank card and benefiting from a 0 p.c introductory APR could not appear seemingly, it’s really fairly doable with a number of bank card choices. It’s helpful to you to match a number of playing cards, so you’ll be able to see which one fits your monetary wants essentially the most. When you reap the benefits of the zero-interest interval and maximize your potential journey rewards, you might find yourself with important financial savings.
*Details about the Citi Customized Money® Card has been collected independently by Bankrate. The cardboard particulars haven’t been reviewed or accepted by the issuer.
The Financial institution of America content material on this publish was final up to date on April 25, 2025.
