Credit cards remain a powerful financial tool when used wisely. In 2025, many consumers are hunting for credit cards that offer two key benefits: 0% APR (Annual Percentage Rate) introductory offers and cashback rewards. These cards let you make purchases without interest for a set period while earning money back on your spending—a win-win if you manage them right.
But with dozens of options on the market, how do you find the best 0% APR credit cards that also offer solid cashback rewards? More importantly, is it really worth getting one? In this comprehensive guide, we’ll cover everything you need to know about 0% APR credit cards with cashback, the top picks in 2025, and tips to maximize your benefits.
What Is a 0% APR Credit Card?
A 0% APR credit card offers an introductory period—usually between 12 and 21 months—during which you pay no interest on purchases, balance transfers, or both. This can save you a lot compared to regular credit cards that charge interest rates often above 15% or more.
Once the introductory period ends, the APR resets to the regular rate, so it’s crucial to pay off your balance before that happens if you want to avoid interest charges.
Why Combine 0% APR with Cashback?
Many people think of 0% APR cards as only useful for balance transfers or big purchases they want to pay off slowly. But when you combine 0% APR with cashback rewards, you get a powerful way to save money:
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Interest savings: You avoid interest on purchases during the intro period.
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Cashback rewards: You earn money back on everyday spending, like groceries, gas, or dining out.
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Flexibility: You can spread payments over time without losing the rewards.
This combo is especially helpful if you plan to make a large purchase and want to earn rewards while paying it off interest-free.
Top Features to Look for in 0% APR Cashback Cards in 2025
When choosing the best card, here are key features to consider:
1. Length of 0% APR Intro Period
The longer, the better—cards with 15 to 21 months let you stretch payments without interest.
2. Cashback Rates
Look for cards offering at least 1.5% cashback on all purchases. Some offer higher rates (like 3% or 5%) on specific categories such as groceries, gas, or streaming services.
3. Annual Fees
Many 0% APR cards have no annual fee, but some premium cards charge one. Weigh the fee against the rewards.
4. Balance Transfer Options
If you want to move existing debt, check if the card offers 0% APR on balance transfers and the associated fees.
5. Other Perks
Additional benefits might include sign-up bonuses, purchase protections, extended warranties, and travel perks.
Best 0% APR Credit Cards with Cashback in 2025
Here are some of the top options widely recognized for their strong introductory offers and cashback rewards:
1. Chase Freedom Unlimited®
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Intro APR: 0% for 15 months on purchases and balance transfers
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Cashback: 1.5% unlimited cashback on all purchases, 3% on dining and drugstores
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Annual Fee: $0
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Why It’s Great: Straightforward cashback and a solid intro APR period make this card a great all-around pick.
2. Citi® Double Cash Card
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Intro APR: 0% for 18 months on balance transfers (not on purchases)
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Cashback: 2% cashback (1% when you buy + 1% when you pay) on all purchases
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Annual Fee: $0
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Why It’s Great: While 0% APR applies only to balance transfers, the cashback rate is one of the highest flat rates available.
3. Discover it® Cash Back
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Intro APR: 0% for 15 months on purchases and balance transfers
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Cashback: 5% cashback in rotating categories each quarter (up to quarterly max), 1% on other purchases
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Annual Fee: $0
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Why It’s Great: The rotating 5% categories offer big rewards if you can maximize them and take advantage of the intro APR.
4. Wells Fargo Active Cash® Card
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Intro APR: 0% for 15 months on purchases and balance transfers
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Cashback: 2% unlimited cashback on all purchases
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Annual Fee: $0
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Why It’s Great: Offers a competitive flat-rate cashback combined with a long 0% intro APR period.
How to Maximize Your 0% APR Cashback Credit Card
Getting the card is just the first step. To truly benefit, consider these strategies:
1. Use It for Large Purchases
If you have a big expense planned—like new furniture, electronics, or home improvements—put it on your 0% APR card. Pay it off gradually during the interest-free period.
2. Pay More Than the Minimum
Even though you’re not paying interest initially, paying only the minimum can lead to a large balance when the intro period ends. Pay off as much as possible each month.
3. Take Advantage of Category Bonuses
If your card offers extra cashback on categories like groceries or gas, plan your spending accordingly to maximize rewards.
4. Avoid New Purchases on Balance Transfer Cards
Some cards only offer 0% APR on balance transfers, not purchases. Know your card’s terms to avoid surprise interest.
5. Keep Track of the Intro APR Deadline
Mark your calendar for when the 0% APR ends and plan to pay off your balance by then to avoid high-interest charges.
Potential Drawbacks to Consider
While 0% APR cashback cards offer big benefits, they’re not perfect:
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Intro APR is temporary: After it ends, rates can jump significantly.
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Temptation to overspend: Easy credit can lead to debt if you don’t budget carefully.
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Balance transfer fees: Usually 3-5% of the amount transferred, which can add up.
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Rewards limits: Some cards cap cashback or exclude certain purchases.
Always read the fine print and understand the terms before applying.
Is a 0% APR Cashback Card Worth It in 2025?
For many people, yes. These cards offer a smart way to manage cash flow while earning rewards, especially if you can pay off balances before interest starts. They’re ideal for planned purchases, debt consolidation, or even regular spending if you’re disciplined.
However, if you tend to carry balances long-term or miss payments, these cards might not be the best fit. Interest rates after the intro period can be high, and fees can eat into your rewards.
Final Thoughts
The best 0% APR credit cards with cashback in 2025 give consumers the chance to save money on interest and earn rewards simultaneously. With thoughtful use, these cards can be a valuable part of your financial toolkit.
Remember, credit cards are a tool—not free money. Use them responsibly, pay your balances on time, and choose a card that fits your spending habits and financial goals.
If you want, I can help you build comparison charts, offer personalized card recommendations, or create content to help your audience understand these cards better. Just ask!