If you want to use a credit card as an interest-free loan, your best bet is figuring out which credit card offers the perks and benefits you want, along with a lengthy 0% introductory APR offer.

We rounded up the best credit cards that can help you build credit, save on interest charges and earn you over $2,000 in five years.

14 best 0% APR credit cards of August 2025 Pay no interest for up to two years with these credit cards.