Money

0% apr cards of October 2025

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American Health & Wealth Rankings

Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.

American Health & Wealth' 0% apr cards of October 2025

Citi Custom Cash® Card

4.8

American Health & Wealth' Rating in Citi Custom Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • 5% bonus categories
  • Intro APR Period

Cons

  • Low rate outside bonus categories

Citi Rewards+® Card

4.8

American Health & Wealth' Rating in Citi Rewards+® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Annual Fee
$0
Regular APR
17.99%-27.99% Variable APR

Product Details

Highlights
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.99%-27.99% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit
  • Complicated redemptions

Citi Rewards+® Student Card

4.8

American Health & Wealth' Rating in Citi Rewards+® Student Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
Annual Fee
$0
Regular APR
18.99%-28.99% Variable APR

Product Details

Highlights
  • Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
  • Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/2025.
  • The variable APR for purchases and balance transfers is 18.99% - 28.99%, based on your creditworthiness.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.99%-28.99% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee

Cons

  • Foreign transaction fee

Citi Simplicity® Card

4.8

American Health & Wealth' Rating in Citi Simplicity® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
N/A
Annual Fee
$0
Regular APR
18.49%-29.24% Variable APR

Product Details

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-29.24% Variable APR

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • No rewards
  • No new cardholder bonus offer
  • Requires good/excellent credit

Citi® Diamond Preferred® Card

4.8

American Health & Wealth' Rating in Citi® Diamond Preferred® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
N/A
Annual Fee
$0
Regular APR
17.49%-28.24% Variable APR

Product Details

Highlights
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.49%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • Requires good/excellent credit
  • No rewards

Community Banks of Colorado Platinum Visa® Credit Card

2.5

American Health & Wealth' Rating in Community Banks of Colorado Platinum Visa® Credit Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
No bonus.
Annual Fee
$0
Regular APR
18.74%-29.74% Variable APR

Product Details

Highlights
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
  • Introductory 0.00% APR for the first 18 billing cycles on purchases and balance transfers.
Product Details

  • Issuer Name

    Community Banks of Colorado

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    18.74%-29.74% Variable APR

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards

Connexus Credit Union Visa Signature® College Real Rewards Card

4.8

American Health & Wealth' Rating in Connexus Credit Union Visa Signature® College Real Rewards Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
After your first purchase, you'll get 2,500 bonus rewards points. Redeem your points for cash back, travel, merchandise or gift cards.
Annual Fee
$0
Regular APR
19.24%-29.24% Variable

Product Details

Highlights
  • No cap, no limit - earn unlimited points and you have five years to redeem for rewards.
  • Bonus rewards- after your first purchase, you'll get 2,500 bonus rewards points.
  • Choose your rewards- redeem your points for cash back, travel, merchandise or gift cards.
  • 1.5X rewards- earn 1.5 points monthly for every $1 you spend on eligible net purchases.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    19.24%-29.24% Variable

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Qualify with average credit
  • High rewards rate
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • N/A

Connexus Credit Union Visa® Business Card

4.8

American Health & Wealth' Rating in Connexus Credit Union Visa® Business Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
None
Annual Fee
$0
Regular APR
16.74%-25.74% Variable

Product Details

Highlights
  • Extended low intro rate- save on interest with a great low introductory rate for an extended time.
  • Protecting your peace of mind - benefits like zero fraud liability help defend your business.
  • Free employee cards- keep track of employee expenses while earning as many rewards as possible.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    16.74%-25.74% Variable

  • Penalty APR

    31.99

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards

Connexus Credit Union Visa® Business Cash Preferred Card

2.5

American Health & Wealth' Rating in Connexus Credit Union Visa® Business Cash Preferred Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
$25 cash back awarded after your first purchase
Annual Fee
$0
Regular APR
18.74%-27.74% Variable

Product Details

Highlights
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, restaurants and more.
  • Earn 1% unlimited cash back on all other eligible net purchases.
  • $25 cash back awarded after your first purchase.
  • No annual fee.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.74%-27.74% Variable

  • Penalty APR

    31.99

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • N/A

Cons

  • N/A

Connexus Credit Union Visa® Business Real Rewards Card

2.6

American Health & Wealth' Rating in Connexus Credit Union Visa® Business Real Rewards Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
None
Annual Fee
$0
Regular APR
18.74%-27.74% Variable

Product Details

Highlights
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • 2,500 bonus rewards points awarded after first purchase.
  • There's no limit on the number of points you can earn, and you have five years to redeem for rewards.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.74%-27.74% Variable

  • Penalty APR

    31.99

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Intro APR period on Purchases and Balance Transfers

Cons

  • Has annual fee
  • No rewards

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