12 Best 0% APR Cards of January 2026: Longest No-Interest Offers
Large purchases, like a new refrigerator or car tires, require planning and budgeting. It’s even more challenging when these pop up in emergency situations. Credit cards with 0% intro APR offers give your bank account some breathing room by allowing you to pay down your balance over a year or longer. As long as you make your minimum payment, no interest is charged.
Key takeaways
- 0% APR credit cards let you pay down balances interest-free over an extended period — with the longest intro offers currently lasting up to 24 months.
- Some 0% APR cards earn rewards, which can boost your savings to over $2,000 during a two-year period.
- The Blue Cash Preferred® Card from American Express (see rates & fees) is our pick for the best overall card with an intro APR, while the Citi Simplicity® Card is the strongest option for balance transfers.
Compare the 12 best 0% APR credit cards
| Credit Cards | Our Ratings | Intro Purchase APR | Regular APR | Estimated savings over two years | |
|---|---|---|---|---|---|
Blue Cash Preferred® Card from American Express
|
0% APR + long-term savings
|
0% on purchases for 12 months | 19.49%-28.49% Variable | $2,296 | |
U.S. Bank Shield™ Visa® Card*
|
24-month 0% APR credit card
|
0% intro APR on purchases for the first 24 billing cycles after card opening | 16.99% - 27.99% variable APR | $1,453 | |
Wells Fargo Reflect® Card*
|
21-month 0% apr credit card
|
0% intro APR for 21 months from account opening on purchases | 17.49%, 23.99%, or 28.24% Variable APR | $1,360 | |
BankAmericard® credit card*
|
18-month 0% APR credit card
|
0% Intro APR for 18 billing cycles for purchases | 14.74% - 24.74% Variable APR | $1,343 | |
Chase Slate Edge℠*
|
18-month 0% APR credit card
|
0% Intro APR on Purchases for 18 months. | 18.49% – 28.49% Variable | $1,341 | |
Citi Simplicity® Card
 Apply Now
on Citibank's secure site Rates & Fees |
Best for balance transfers
|
0% intro APR for 12 months on Purchases | 17.49% - 28.24% (Variable) | $1,360 |
Apply Now
on Citibank's secure site Rates & Fees |
Wells Fargo Active Cash® Card*
|
Best for simple rewards
|
0% intro APR for 12 months from account opening on purchases | 18.49%, 24.49%, or 28.49% Variable APR | $2,107 | |
Discover it® Miles
Apply Now
on Discover's secure site Rates & Fees |
Best for travel
|
0% Intro APR for 15 months | 17.49% - 26.49% Variable APR | $2,170 |
Apply Now
on Discover's secure site Rates & Fees |
Ink Business Unlimited® Credit Card
Apply Now
on Chase's secure site Rates & Fees |
Best for business
|
0% Intro APR on Purchases for 12 months | 16.74% - 24.74% Variable | $2,498 |
Apply Now
on Chase's secure site Rates & Fees |
Capital One Savor Cash Rewards Credit Card
|
Best for dining
|
0% intro on purchases for 12 months | 18.49% - 28.49% (Variable) | $2,234 | |
ESL Visa® Credit Card*
|
Best for low ongoing APR
|
0% introductory APR for 12 months | 11.75% - 17.99% Variable | $1,693 | |
Bank of America® Travel Rewards Credit Card for Students*
|
Best for students
|
0% Intro APR for 15 billing cycles for purchases | 17.74% to 27.74% Variable APR | $2,116 |
Find the best card for you
A 0% intro APR credit card can help you save money on interest — whether you’re financing a big purchase, transferring a balance or simply looking for extra breathing room. But the best card depends on your situation. Below, we’ve organized our top picks into scenarios so you can quickly find the one that’s right for you.
| Scenario | LendingTree's Recommendation |
|---|---|
| If you want the best all-around intro APR card | Blue Cash Preferred® Card from American Express |
| If you want the longest intro APR possible | U.S. Bank Shield™ Visa® Card |
| If you want an intro APR lasting nearly two years (21 months) | Wells Fargo Reflect® Card |
| If you want 18 months of no-frills simplicity | BankAmericard® credit card |
| If you want an intro APR plus room to grow your credit limit | Chase Slate Edge℠ |
| If you need to pay off existing debt | Citi Simplicity® Card |
| If you want simple, flat-rate rewards during your intro period | Wells Fargo Active Cash® Card |
| If you want to earn travel rewards with an intro APR | Discover it® Miles |
| If you’re a small business owner looking to manage cash flow | Ink Business Unlimited® Credit Card |
| If you spend heavily on dining and entertainment | Capital One Savor Cash Rewards Credit Card |
| If you care about a low ongoing APR after the intro period ends | ESL Visa® Credit Card |
| If you're a student looking for a long intro APR | Bank of America® Travel Rewards Credit Card for Students |
Methodology: How we chose the best 0% APR credit cards
We take a comprehensive, data-driven approach to identify the best 0% APR credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
We calculate the amount saved on interest given the length of the card’s introductory period. We assume a purchase of $6,000 and a monthly payment of $300. We subtract the card’s annual fee and interest paid on any amount remaining after the introductory period expires. We also add in the amount earned on rewards for the average cardholder, including the card’s sign-up bonus, minus the card’s annual fee. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.
Note that our ratings are a starting point for comparing and choosing the best no-interest credit cards. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to finance with a 0% intro offer and which benefits you value to choose the best card for you.
Best for 0% APR + long-term savings
Blue Cash Preferred® Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% on purchases for 12 months, then a 19.49%-28.49% Variable APR applies.
- Intro APR on purchases and balance transfers
- Elevated rewards on popular spending categories
- Valuable welcome offer
- Annual fee
- Annual cap on U.S. supermarket earning rate
- Foreign transaction fee
Estimated savings over two years: $2,296*
The Blue Cash Preferred® Card from American Express offers intro APR periods on purchases and balance transfers that can add up to huge savings over two years — even with the card’s annual fee. You’ll also earn a high cash back** rate in popular spending categories, including U.S. supermarkets and U.S. gas stations. Plus, earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months.
- Click APPLY NOW to apply online.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49% - 28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Best for Longest 0% intro APR offer (24 months)
U.S. Bank Shield™ Visa® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR on purchases for the first 24 billing cycles after card opening, then a 16.99% - 27.99% variable APR applies.
- Currently offers the longest intro APR period available on purchases and balance transfers
- Earns cash back on select travel purchases
- Chance to earn annual statement credit
- $0 annual fee
- Cellphone protection
- No sign-up bonus
- Rewards are limited to U.S. Bank Rewards Center purchases
- Potentially high APR after introductory period
Estimated savings over two years: $1,453*
The U.S. Bank Shield™ Visa® Card offers the longest intro APR period we could find, leading to some serious savings. And unlike other cards with comparable offers, the U.S. Bank Shield™ Visa® Card also earns rewards. You’ll earn 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 16.99% - 27.99%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card
- $0 annual fee
- Earn a $20 annual statement credit for 11 consecutive months of purchases.
- Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with your card.
- Free credit score access
Best for 21-month 0% APR + cellphone protection
Wells Fargo Reflect® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR for 21 months from account opening on purchases , then a 17.49%, 23.99%, or 28.24% Variable APR applies.
- One of the longest intro APRs for purchases and qualifying balance transfers
- $0 annual fee
- Cellphone protection
- No rewards program or sign-up bonus
- Higher-than-average balance transfer fee
- Potentially high APR after introductory period
Estimated savings over two years: $1,360*
The Wells Fargo Reflect® Card gives you almost two years to pay off your purchase or qualifying balance transfer with it’s intro APR offers, potentially saving you hundreds in interest payments. And while it doesn’t come with a rewards program or sign-up bonus, you will get up to $600 of cellphone protection (subject to a $25 deductible).
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter
- balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Why it’s in my wallet
“Earlier this year, we had a series of home and auto repairs that couldn’t wait. To avoid using up every cent in our emergency fund, we opted to open a Wells Fargo Reflect® Card to take advantage of the long intro APR period on purchases for the house repairs. This offer has given us the flexibility to pay it off slowly while rebuilding our emergency fund.”
– Charlotte Zhang, writer at LendingTree
Best for 18-month 0% APR credit card with no penalty APR
BankAmericard® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR for 18 billing cycles for purchases, then a 14.74% - 24.74% Variable APR applies.
- Long intro APR period for purchases and balance transfers
- $0 annual fee
- No penalty APR
- No rewards program or sign-up bonus
- Late payment fee (up to $40)
Estimated savings over two years: $1,343*
You can save hundreds on interest payments by paying off your debt during the BankAmericard® credit card‘s long intro APR period. And though this card doesn’t offer a rewards program or sign-up bonus, you won’t have to worry about paying a penalty APR if you miss a payment.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 14.74% - 24.74% Variable APR will apply. A 3% intro fee for 60 days, then 4% applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best for 18-month 0% APR credit card + potential for lower APR
Chase Slate Edge℠*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then an 18.49% – 28.49% Variable APR applies.
- Long intro APR period for purchases and balance transfers
- $0 annual fee
- Potential to lower your interest rate
- No rewards program or sign-up bonus
- Penalty APR and late payment fees
- Potentially high APR after introductory period
Estimated savings over two years: $1,341*
The Chase Slate Edge℠ gives you a year and a half to pay off a large purchase or balance transfer with its intro APR offers. Plus, you’ll have a chance to lower your ongoing APR by 2% each year if you pay on time and spend at least $1,000 on your card by your next account anniversary. Just know that missing a payment could trigger a penalty APR and late payment fees.
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers, followed by a 18.49% – 28.49% Variable
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
Best for 0% APR on balance transfers for 21 months
Citi Simplicity® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers, then a 17.49% - 28.24% (Variable) APR applies.
- $0 annual fee
- Very long intro APR on balance transfers
- Low balance transfer fee
- No late fees
- No penalty APR
- No sign-up bonus
- No rewards
- Few benefits
Estimated savings over two years: $1,360*
The $0-annual-fee Citi Simplicity® Card is a great choice if you’re looking for a no-frills card to help do a balance transfer. It gives you nearly two years to pay off your high-interest debt — plus, 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).
- Click APPLY NOW to apply online.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months 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 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
- Rates & Fees
Best for Best for simple rewards
Wells Fargo Active Cash® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro APR for 12 months from account opening on purchases, then an 18.49%, 24.49%, or 28.49% Variable APR applies.
- Intro APR on purchases and qualifying balance transfers
- Earns cash rewards on purchases
- Low spend threshold required to earn welcome offer
- $0 annual fee
- Potentially high APR after introductory period
- Foreign transaction fee: 3%
Estimated savings over two years: $2,107*
With the Wells Fargo Active Cash® Card intro APR offers, you’ll get a solid amount of time to pay off purchases and balance transfers. That alone could save you hundreds of dollars, but there’s even more value in the card’s unlimited cash rewards program and welcome offer. You can earn unlimited 2% cash rewards on purchases. Plus, earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. This combination of features lands the Wells Fargo Active Cash® Card on our list of the best cash back credit cards.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter
- balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Why it’s in my wallet
“When we moved into our new house, we needed some additional furniture to fill out the space. I used my Wells Fargo Active Cash® Card to purchase a new couch, taking advantage of the intro APR to pay it off over time with no interest. This also allowed me to quickly earn the sign-up bonus, which I used to help pay down my balance.”
– Will Collicott, writer at LendingTree
Best for travel
Discover it® Miles
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro purchase APR: 0% Intro APR for 15 months on purchases, then a 17.49% - 26.49% Variable APR applies.
- Long intro APR on purchases and balance transfers
- Earn miles on every purchase
- Valuable welcome offer
- $0 annual fee
- Can’t transfer miles
- No travel benefits
- Not always accepted abroad
Estimated savings over two years: $2,170*
The Discover it® Miles gives you more than a year to pay off your purchases without being subject to interest charges, and you’ll earn rewards at a high flat rate that you can redeem for cash back or travel statement credits. It also features a fantastic welcome offer, which matches all the rewards earned at the end of the first year for new cardholders. All this can add up to some serious savings in your first two years, especially if you’re looking to finance an upcoming vacation.
- Click APPLY NOW to apply online.
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee.
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
- 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR will apply.
- Terms and conditions apply.
- Rates & Fees
Best for business
Ink Business Unlimited® Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro purchase APR: 0% Intro APR on Purchases for 12 months, then a 16.74% - 24.74% Variable APR applies.
- Intro APR on purchases
- Earns high rate of cash back on every purchase
- Valuable sign-up bonus
- $0 annual fee
- Late payment fees
- No bonus earning categories
Estimated savings over two years: $2,498*
Among business credit cards that offer intro APRs, the Ink Business Unlimited® Credit Card is a top pick. It comes with a solid intro period and huge rewards, which you can use to help pay off a large business purchase. In addition to earning unlimited cash back on every purchase, you’ll have a chance to earn a hefty sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Click APPLY NOW to apply online.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Rates & Fees
Best for dining
Capital One Savor Cash Rewards Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% intro on purchases for 12 months, then an 18.49% - 28.49% (Variable) APR applies.
- Long intro APR on purchases and balance transfers
- Elevated cash back rewards on dining and entertainment
- Low spend threshold required to earn sign-up bonus
- $0 annual fee
- Low rewards rate outside of bonus categories
- Target and Walmart are excluded from the grocery category
- A fee applies for balance transfers
Estimated savings over two years: $2,234*
Ideal for foodies who love to save, the Capital One Savor Cash Rewards Credit Card comes with a long intro APR and one of the highest cash back rates on dining and entertainment. Plus, there’s a valuable sign-up bonus: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Combine all that with a $0 annual fee, and you’ve got one of the best dining credit cards out there.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best for low ongoing APR
ESL Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% introductory APR for 12 months, then a 11.75% - 17.99% Variable APR applies.
- Intro APR on purchases and balance transfers
- Low ongoing APR
- $0 annual fee
- $0 balance transfer fee
- Must be an ESL Federal Credit Union member to apply
- No sign-up bonus
- No rewards program
Estimated savings over two years: $1,693*
If you’re an ESL Federal Credit Union member, you can net some serious savings with the ESL Visa® Credit Card. The ongoing 11.75% - 17.99% Variable APR is among the lowest we could find for cards with intro APRs on purchases and balance transfers. Additionally, there are no annual or balance transfer fees. You’ll also get some basic travel benefits, including lost luggage assistance, emergency ticket replacement and car rental protection.
- Save money with our 0% introductory APR for 12 months on balance transfers
- Save even more with our low ongoing rate of 11.75% - 17.99% Variable APR.1
- No annual fees.1
- No fees for balance transfers.1
- Get the powerful protection of the Visa Zero Liability Policy.2
- Emergency ticket replacement and other travel and emergency assistance.
- Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
- Extended warranty protection.
Best for students
Bank of America® Travel Rewards Credit Card for Students*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% Intro APR for 15 billing cycles for purchases, then a 17.74% to 27.74% Variable APR applies.
- Long intro APR on purchases and balance transfers
- Earn 1.5X points on all purchases
- Generous sign-up bonus
- $0 annual fee
- Foreign transaction fees: $0
- No bonus earning categories
- Geared toward students with good / excellent credit
Estimated savings over two years: $2,116*
The Bank of America® Travel Rewards Credit Card for Students is a great option for students looking to finance a large purchase. You’ll get one of the longest intro periods currently available from a student credit card — as well as the opportunity to earn points on every purchase. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Plus, this card charges $0 foreign transaction fees, making it a solid choice for a semester abroad.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 17.74% to 27.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
What does 0% APR mean?
When you see that a credit card has a “0% APR,” it means the card offers an introductory APR of 0% for a set period of time — usually six to 24 months. Depending on the card, the intro rate can apply to purchases, balance transfers or both.
When a card advertises 0% interest, make sure that it’s a true 0% intro offer and not a deferred interest offer.
- True 0% APR cards charge interest only on the outstanding balance once the introductory period is over.
- Deferred interest offers charge the full amount of interest waived during the introductory period if you don’t pay off every cent of your balance by the end of that period.
All of the cards in our list above are true 0% APR credit cards that offer introductory interest-free periods on purchases and/or balance transfers.
How do 0% APR credit cards work?
A 0% intro APR credit card works like any other card, the only difference being that you aren’t charged interest on your balance during the intro period.
You’ll still need to pay your bill on time every month; otherwise, you might have to fork over a late payment fee or, even worse, lose your 0% intro rate. Once the intro period ends, your rate jumps to the regular ongoing APR. This rate applies to new purchases, as well as any remaining balance on the card.
How much can you save with zero-interest credit cards?
You could save well over $1,000 in interest payments with one of our no-interest credit card recommendations – depending on your credit card balance – if you pay it off before the intro period ends. But you could easily double those savings by choosing a 0% intro APR card with a valuable sign-up bonus and ongoing rewards program.
The cards with the best sign-up bonuses and rewards, like the Chase Freedom Unlimited®, might have shorter no-interest periods, but the cash back rewards can make them much more valuable. If you compare the Chase Freedom Unlimited® to the Wells Fargo Reflect® Card, you can save more with the former even though the latter has a longer intro APR.
| Chase Freedom Unlimited® | Wells Fargo Reflect® Card | |
|---|---|---|
| Sign-up bonus | Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening | N/A |
| Rewards value (first-year) | $697 | $0 |
| Annual fee | $0 | $0 |
| Intro APR | 0% Intro APR on Purchases for 15 months | 0% intro APR for 21 months from account opening on purchases |
| Regular APR | 18.49% - 27.99% Variable APR | 17.49%, 23.99%, or 28.24% Variable APR |
| Total savings over two years* | $2,358 | $1,360 |
0% APR credit cards vs. low-interest credit cards
0% intro APR purchase planner
Use this table to find out how much your monthly payments will be for a large purchase made with a 0% APR credit card.
Rule of thumb: exact payment = purchase amount ÷ promo months. We’ve rounded up to provide a small cushion.
| 12 months | 15 months | 18 months | 21 months | 24 months | |
|---|---|---|---|---|---|
| $500 | $45 | $35 | $30 | $25 | $25 |
| $1,000 | $85 | $70 | $60 | $50 | $45 |
| $2,000 | $170 | $135 | $115 | $100 | $85 |
| $5,000 | $420 | $335 | $280 | $240 | $210 |
| $10,000 | $835 | $670 | $560 | $$480 | $420 |
Tips:
- Set your card to autopay the minimum payment each month so you never miss a payment.
- Create a reminder for two months before the intro offer ends so you can pay off the balance in the final month.
- If you can’t pay off the balance and want to avoid paying interest, consider a balance transfer credit card. Note that the balance transfer fee may be more than the interest, depending on the amount outstanding.
Pros and cons of 0% APR credit cards
A 0% intro APR card can save you a lot in interest during an emergency or on a big purchase. However, without discipline, it can lead to debt. Only consider a no-interest credit card offer if you have a clear repayment plan that you can stick to.
Keep these pros and cons in mind before you decide:
- Can save you hundreds of dollars in interest while you pay down your purchase or balance transfer
- Improve your credit score by making regular payments during the introductory period
- Potential to earn rewards and/or sign-up bonuses, depending on the card
- You may lose your 0% APR if you make a late payment
- Interest rates are typically high after the introductory period ends
- It can be tempting to delay or skip payments on your balance when you have a long introductory period
How to choose the best 0% APR credit card for you
Choosing the best credit card with a 0% APR comes down to more than just the longest intro period. Follow these tips to evaluate your options and find a card that’s right for you.
Make sure you qualify
Most 0% APR cards require good to excellent credit. If your score is on the lower side, look into cards for fair credit or bad credit instead — you may not be eligible for a 0% intro APR offer.
Search for cards with longer intro offers
A longer 0% intro window gives you more time to pay off your balance comfortably. On the other hand, cards with shorter intro APRs sometimes offer stronger rewards. A solid sign-up bonus or ongoing rewards may deliver more overall value than a longer interest-free period with no perks.
But if avoiding interest while paying off a purchase or debt is your top priority, you can’t go wrong with the longest offer possible.
Factor in the welcome offer value
There are plenty of cards with intro APR periods that also come with sign-up bonuses worth hundreds of dollars, which can help offset your purchase. For instance, the Chase Freedom Unlimited® currently has a Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Find rewards that match your spending patterns
Some cards offer flat-rate rewards, while others boost earnings in specific categories like dining, gas or groceries. Pick a card that aligns with the type of purchase you’re financing, as well as your regular spending if you plan to keep it after the intro period ends.
Alternatives to 0% APR credit cards
Some people won’t qualify for a credit card with a 0% intro APR — and even if they do, the credit limit isn’t always enough to cover everything. If that’s the case for you, don’t stress. There are still plenty of solid alternatives you can rely on or even combine with a credit card to make your plan work.
| Alternative | What it is | Consider it if... |
|---|---|---|
| Personal loans | A lump sum of money that you repay in monthly installments over a set period of time | Your credit score is too low to qualify for a 0% APR card or you can’t afford to pay off your balance before the introductory period ends |
| Balance transfer credit card | A credit card that doesn't charge interest for a specified period of time on debt transferred from another card | You have high-interest debt on another card that you can pay off in full during the introductory period |
| Low-interest credit card | A credit card that has a relatively low APR | You need to carry a balance month to month and won’t be able to pay off a 0% APR card before the introductory period ends |
Frequently asked questions
You generally need a good to excellent credit score to qualify for a 0% APR card. That’s either a minimum 670 FICO Score or 661 VantageScore.
No, most credit cards that offer 0% intro APRs offer them in 12-month, 15-month, 18-month or 24-month intervals. Currently, the U.S. Bank Shield™ Visa® Card has the longest introductory rate: Cardholders get a 0% intro APR on purchases for the first 24 billing cycles after card opening, followed by a 16.99% - 27.99% variable APR.
The U.S. Bank Shield™ Visa® Card currently offers the longest intro APR among major banks: 0% intro APR on purchases for the first 24 billing cycles after card opening, then a 16.99% - 27.99% variable APR applies.
It’s not likely that your current issuer will give you 0% APR, but you may be able to get a lower APR. A LendingTree survey found that 76% of people who ask their issuer to lower their APR get their request granted.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Shield™ Visa® Card, Wells Fargo Reflect® Card, BankAmericard® credit card, Chase Slate Edge℠, Wells Fargo Active Cash® Card, ESL Visa® Credit Card, Bank of America® Travel Rewards Credit Card for Students, Chase Freedom Unlimited® and BECU Visa Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
