Credit cards that offer 0% introductory APR and cashback rewards are some of the most valuable financial tools available in the United States. These cards allow users to finance purchases without paying interest for a limited period while earning cashback rewards on spending.

Many major U.S. banks provide credit cards with 0% APR offers for 12–21 months, along with cashback rates ranging from 1% to 5% on purchases.

In this guide, you will learn:

The best credit cards in the USA with 0% APR and cashback
Key benefits and rewards
How to qualify for these cards
Tips to choose the right credit card

What Is a 0% APR Credit Card?

A 0% APR credit card allows cardholders to make purchases or transfer balances without paying interest for a limited introductory period.

Typical benefits include:

✔ No interest for 12–18 months
✔ Cashback rewards on purchases
✔ Signup bonuses
✔ No annual fee (for many cards)

After the promotional period ends, the regular variable APR typically ranges from about 16% to 28% depending on creditworthiness.

Best Credit Cards in the USA With 0% APR and Cashback (2026)

Here are some of the top credit cards offering both cashback rewards and 0% introductory APR.

1. Blue Cash Everyday Card from American Express

Best for Everyday Spending

Key features:

0% intro APR for 15 months on purchases and balance transfers
Cashback rewards:
- 3% at U.S. supermarkets
- 3% at gas stations
- 3% on online retail purchases
- 1% on other purchases
No annual fee

New cardholders may also earn up to $200 cashback bonus after meeting spending requirements.

This card is ideal for families who spend frequently on groceries, fuel, and online shopping.

2. Chase Freedom Flex

Best for Rotating Cashback Categories

Highlights:

0% intro APR for 15 months
Up to 5% cashback on rotating bonus categories
$200 welcome bonus available
No annual fee

Cardholders can earn 5% cashback on quarterly categories like groceries, gas, and online stores.

3. Chase Freedom Unlimited

Best Flat Cashback Card

Benefits include:

0% intro APR for 15 months
Unlimited 1.5% cashback on all purchases
3% cashback on dining and drugstores
5% cashback on travel through Chase Travel

This card is considered a strong everyday spending card due to its simple cashback structure. (Credit Card Pathway)

4. Discover it Cash Back

Best Cashback Match Offer

Features:

0% intro APR for 15 months
5% cashback on rotating categories
Cashback match in the first year
No annual fee

Discover matches all cashback earned in the first year, effectively doubling rewards for new cardholders.

5. U.S. Bank Cash+ Visa Signature Card

Best for Customizable Rewards

Key features:

0% intro APR for 15 billing cycles
Up to 5% cashback in selected categories
$200 signup bonus
No annual fee

This card allows users to choose reward categories, giving more flexibility. (Forbes)

How to Qualify for the Best Credit Cards

Most credit cards with 0% APR and cashback require good to excellent credit scores.

Typical requirements include:

Credit Score	Approval Chances
740+	Excellent
670–739	Good
620–669	Fair
Below 620	Limited options

Credit card issuers evaluate:

credit score
income level
credit history
debt-to-income ratio

Advantages of 0% APR Cashback Credit Cards

Interest-Free Financing

You can spread large purchases over several months without paying interest.

Cashback Rewards

Earn money back on everyday spending.

Signup Bonuses

Many cards offer $200–$300 bonuses for new cardholders.

No Annual Fee

Many cashback cards have no yearly fees.

Potential Drawbacks

While these cards offer great benefits, there are some risks.

❌ High interest rates after the promotional period
❌ Balance transfer fees may apply
❌ Late payments may cancel the 0% APR offer

Always try to pay off the balance before the intro period ends.

Tips to Maximize Cashback Rewards

Use the Card for Everyday Purchases

Groceries, gas, and utilities can generate regular cashback rewards.

Activate Bonus Categories

Some cards require activation of quarterly cashback categories.

Pay the Full Balance

Avoid interest charges after the promotional period.

Combine Multiple Cards

Using different cards for different categories can maximize rewards.

Final Thoughts

Credit cards with 0% APR and cashback rewards provide excellent financial flexibility for Americans. These cards allow users to finance purchases without interest while earning rewards.

Some of the best options in 2026 include: