How Does LendingTree Get Paid?
| Advertising Disclosure
| American Express Disclosure

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Best 0% APR Credit Cards for Long Intro Periods — May 2022

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated April 28, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

🥇 Our top pick for the best 0% APR credit card:
Wells Fargo Reflect℠ Card

The Wells Fargo Reflect℠ Card is our top pick for the overall best 0% APR credit card due to its lengthy intro periods. It comes with a long intro APR on purchases and balance transfers — as well as the opportunity to earn an extension on your 0% intro APR through responsible card usage — and charges a reasonable balance transfer fee. Plus, the annual fee is $0.

Whether you’re planning a big purchase that will take months to pay off, or you need to transfer a balance from a high-interest credit card to help you get out of debt faster, a credit card offering a 0% introductory APR can be a useful tool. We’ll help you identify the best 0% APR credit card with an intro APR period that works for you.

During the intro period, 100% of each payment will go toward the principal of your debt, rather than toward interest charges plus the principal owed.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we’ve selected numerous cards with 0% intro APR periods ranging from 12 to 21 months. It’s also important to know that most cards offering longer balance transfer intro periods typically charge a 3% to 5% balance transfer fee.

In addition, when transferring a balance, make sure to select a credit card from a different issuer than your existing card — you won’t be able to transfer balances between two cards from the same issuer.

Best For Up to 21 months of 0% intro APR

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR up to 21 months from account opening
Annual Fee $0
Regular Purchase APR 13.74%-25.74% Variable APR

The Wells Fargo Reflect℠ Card offers a 0% intro APR up to 21 months from account opening on purchases. After the intro period ends, a 13.74%-25.74% Variable APR applies.

The Wells Fargo Reflect℠ Card also comes with a 0% intro APR up to 21 months from account opening on qualifying balance transfers, though a 13.74%-25.74% Variable APR applies afterwards. The balance transfer fee is reasonable: 3% for 120 days from account opening, then up to 5%; min: $5.

What’s unique about this card is that it offers an intro APR period of 18 months to start out with, and then will offer extensions of up to three months after you’ve made on-time minimum payments during the intro and extension periods.

The Wells Fargo Reflect℠ Card charges a $0 annual fee and a foreign transaction fee of 3%.

Simply put, the Wells Fargo Reflect℠ Card is an excellent credit card for anyone who needs a long period with no interest. As long as you’re making your payments on time — which you should do with any intro APR card, as late payments can cause you to lose the promotional period — this card offers the chance to get the initial 18-month period extended by up to three additional months.

Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option. However, be aware that if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not be eligible for this card’s intro APR offer. Know as well that if you’ve opened any other Wells Fargo credit card in the past six months, you might not be approved for this card at all.

  • Cellphone protection up to $600 (subject to a $25 deductible)
  • Roadside dispatch when you call 800-847-2869

The Wells Fargo Reflect℠ Card offers a 0% intro APR up to 21 months from account opening on purchases. After the intro period ends, a 13.74%-25.74% Variable APR applies.

The Wells Fargo Reflect℠ Card also comes with a 0% intro APR up to 21 months from account opening on qualifying balance transfers, though a 13.74%-25.74% Variable APR applies afterwards. The balance transfer fee is reasonable: 3% for 120 days from account opening, then up to 5%; min: $5.

What’s unique about this card is that it offers an intro APR period of 18 months to start out with, and then will offer extensions of up to three months after you’ve made on-time minimum payments during the intro and extension periods.

The Wells Fargo Reflect℠ Card charges a $0 annual fee and a foreign transaction fee of 3%.

Simply put, the Wells Fargo Reflect℠ Card is an excellent credit card for anyone who needs a long period with no interest. As long as you’re making your payments on time — which you should do with any intro APR card, as late payments can cause you to lose the promotional period — this card offers the chance to get the initial 18-month period extended by up to three additional months.

Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option. However, be aware that if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not be eligible for this card’s intro APR offer. Know as well that if you’ve opened any other Wells Fargo credit card in the past six months, you might not be approved for this card at all.

  • Cellphone protection up to $600 (subject to a $25 deductible)
  • Roadside dispatch when you call 800-847-2869
Citi Simplicity<sup>®</sup> Card

Citi Simplicity® Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 15.49% - 25.49% (Variable)

The Citi Simplicity® Card comes with a stellar intro 0% for 21 months on balance transfers, after which a 15.49% - 25.49% (variable) APR applies. A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. This is on the high side, but could be worth it if you need a long intro period.

There’s also a shorter intro APR of 0% for 12 months on purchases — after which a 15.49% - 25.49% (variable) APR applies.

While the Citi Simplicity® Card has a $0 annual fee, there is a foreign transaction fee — 3% of each purchase transaction after its conversion into U.S. dollars.

If you need a long intro APR period to pay off debt transferred from a non-Citi card — and you’re willing to pay a high balance transfer fee — the Citi Simplicity® Card is an excellent tool. This card also offers one of the longest intro periods on balance transfers that you’ll find.

However, its intro period on purchases is lackluster, so you may be better served by using this as a balance transfer card.

  • Use your card with Apple Pay®, Google Pay™ and Samsung Pay
  • No penalty APR and no late fees

The Citi Simplicity® Card comes with a stellar intro 0% for 21 months on balance transfers, after which a 15.49% - 25.49% (variable) APR applies. A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. This is on the high side, but could be worth it if you need a long intro period.

There’s also a shorter intro APR of 0% for 12 months on purchases — after which a 15.49% - 25.49% (variable) APR applies.

While the Citi Simplicity® Card has a $0 annual fee, there is a foreign transaction fee — 3% of each purchase transaction after its conversion into U.S. dollars.

If you need a long intro APR period to pay off debt transferred from a non-Citi card — and you’re willing to pay a high balance transfer fee — the Citi Simplicity® Card is an excellent tool. This card also offers one of the longest intro periods on balance transfers that you’ll find.

However, its intro period on purchases is lackluster, so you may be better served by using this as a balance transfer card.

  • Use your card with Apple Pay®, Google Pay™ and Samsung Pay
  • No penalty APR and no late fees
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card

Citi® Diamond Preferred® Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 14.49% - 24.49% (Variable)

With the Citi® Diamond Preferred® Card, cardholders get an intro APR of 0% for 21 months on balance transfers, after which a 14.49% - 24.49% (variable) APR applies. A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. It’s on the high side, but you do get a long intro period in exchange.

The purchase intro APR period is shorter, at 0% for 12 months on purchases (after that period, a 14.49% - 24.49% (variable) APR applies). There’s also an opportunity to none

You’ll pay a $0 annual fee to carry this card, but be aware the foreign transaction fee is 3%.

The Citi® Diamond Preferred® Card is a no-frills credit card with a long intro APR on balance transfers. Much like the Citi Simplicity® Card, this card charges a balance transfer fee that’s higher than the more standard 3%, but offers you a generous amount of time to pay off debt transferred from another card.

And, like the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has an intro APR on purchases that’s a bit lackluster. Stick to using it as a balance transfer card rather than for big purchases, if possible.

  • Use your card with Apple Pay®, Google Pay™ and Samsung Pay
  • Citi Entertainment® offers special access to concerts, sporting events and more

With the Citi® Diamond Preferred® Card, cardholders get an intro APR of 0% for 21 months on balance transfers, after which a 14.49% - 24.49% (variable) APR applies. A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. It’s on the high side, but you do get a long intro period in exchange.

The purchase intro APR period is shorter, at 0% for 12 months on purchases (after that period, a 14.49% - 24.49% (variable) APR applies). There’s also an opportunity to none

You’ll pay a $0 annual fee to carry this card, but be aware the foreign transaction fee is 3%.

The Citi® Diamond Preferred® Card is a no-frills credit card with a long intro APR on balance transfers. Much like the Citi Simplicity® Card, this card charges a balance transfer fee that’s higher than the more standard 3%, but offers you a generous amount of time to pay off debt transferred from another card.

And, like the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has an intro APR on purchases that’s a bit lackluster. Stick to using it as a balance transfer card rather than for big purchases, if possible.

  • Use your card with Apple Pay®, Google Pay™ and Samsung Pay
  • Citi Entertainment® offers special access to concerts, sporting events and more

Best For Up to 20 months of 0% intro APR

U.S. Bank Visa<sup>®</sup> Platinum Card

U.S. Bank Visa® Platinum Card

Apply Now
on U.S. Bank's secure site
Intro Purchase APR 0% intro APR for 20 billing cycles on Purchases
Annual Fee $0
Regular Purchase APR 15.24% - 25.24% (Variable)

The U.S. Bank Visa® Platinum Card offers an outstanding 0% intro APR for 20 billing cycles on Purchases (a 15.24% - 25.24% (variable) APR applies after that). This is a longer intro APR period on purchases than any credit card on this list offers, other than the Wells Fargo Reflect℠ Card.

In addition, the U.S. Bank Visa® Platinum Card also offers a lengthy 0% intro APR for 20 billing cycles on Balance Transfers, after which a 15.24% - 25.24% (variable) APR applies.

There’s a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater. And while the card’s annual fee is $0, be aware there’s also a foreign transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might a card such as the Navy Federal Platinum Credit Card.

  • Cellphone protection of up to $600
  • Use your card with your digital wallet
  • Free access to your VantageScore

The U.S. Bank Visa® Platinum Card offers an outstanding 0% intro APR for 20 billing cycles on Purchases (a 15.24% - 25.24% (variable) APR applies after that). This is a longer intro APR period on purchases than any credit card on this list offers, other than the Wells Fargo Reflect℠ Card.

In addition, the U.S. Bank Visa® Platinum Card also offers a lengthy 0% intro APR for 20 billing cycles on Balance Transfers, after which a 15.24% - 25.24% (variable) APR applies.

There’s a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater. And while the card’s annual fee is $0, be aware there’s also a foreign transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might a card such as the Navy Federal Platinum Credit Card.

  • Cellphone protection of up to $600
  • Use your card with your digital wallet
  • Free access to your VantageScore

Best For Up to 18 months of 0% intro APR

BankAmericard<sup>®</sup> credit card

BankAmericard® credit card

Apply Now
on Bank Of America's secure site
Intro Purchase APR 0% Intro APR for 18 billing cycles for purchases
Annual Fee $0
Regular Purchase APR 13.24% - 23.24% Variable APR

Get a 0% Intro APR for 18 billing cycles for purchases, after which a 13.24% - 23.24% Variable APR applies. Plus, unlike the other cards on this list so far, there’s a sign-up bonus: You can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

The BankAmericard® credit card also offers a 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After that time, a 13.24% - 23.24% Variable APR on balance transfers applies. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

You’ll pay a $0 annual fee to carry the card, but know that there is a 3% foreign transaction fee.

The BankAmericard® credit card offers a decent sign-up bonus, making it a good choice if you need a long intro APR on purchases and would like to earn a bonus along the way. It also comes with a long intro APR on balance transfers and charges a reasonable balance transfer fee.

In addition, if you can’t pay off your balance off in full during the intro period, it’s good to note the regular APR starts a bit lower than some competing cards. If your regular APR is set toward the lower end of the range, you could save money on interest charges during those months you have to roll over a balance.

  • FICO® Score access for free when you opt in
  • Use your card with Android Pay™, Apple Pay® or Samsung Pay

Get a 0% Intro APR for 18 billing cycles for purchases, after which a 13.24% - 23.24% Variable APR applies. Plus, unlike the other cards on this list so far, there’s a sign-up bonus: You can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

The BankAmericard® credit card also offers a 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After that time, a 13.24% - 23.24% Variable APR on balance transfers applies. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

You’ll pay a $0 annual fee to carry the card, but know that there is a 3% foreign transaction fee.

The BankAmericard® credit card offers a decent sign-up bonus, making it a good choice if you need a long intro APR on purchases and would like to earn a bonus along the way. It also comes with a long intro APR on balance transfers and charges a reasonable balance transfer fee.

In addition, if you can’t pay off your balance off in full during the intro period, it’s good to note the regular APR starts a bit lower than some competing cards. If your regular APR is set toward the lower end of the range, you could save money on interest charges during those months you have to roll over a balance.

  • FICO® Score access for free when you opt in
  • Use your card with Android Pay™, Apple Pay® or Samsung Pay
Chase Slate Edge℠

Chase Slate Edge℠

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 18 months. Then, a 15.24% - 23.99% Variable APR applies.
Annual Fee $0
Regular Purchase APR 15.24% - 23.99% Variable

The Chase Slate Edge℠ offers a 0% Intro APR on Purchases for 18 months. Then, a 15.24% - 23.99% Variable APR applies. If you’ve got a big purchase coming up, taking advantage of this intro APR period could allow you to spread out payments over a year without incurring interest charges.

There’s also a 0% Intro APR on Balance Transfers for 18 months. Then, a 15.24% - 23.99% Variable APR applies. If you’re struggling to pay off high-interest debt on another credit card, a balance transfer could give you breathing room and help you reach the goal of becoming debt-free.

Know that there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater.

There is a $0 annual fee.

With its generous intro APRs on purchases and balance transfers, the Chase Slate Edge℠ offers a year and a half of no interest, which can help you finance a large purchase over time or pay down other high-interest debt more quickly without incurring interest charges.

Plus, once those intro APR promotion periods expire, cardholders also have the opportunity to be considered for an APR rate reduction up to 2% from the regular APR each year by just spending at least $1,000 on the card by the next account anniversary.

While there are isn’t a rewards program that comes with the Chase Slate Edge℠, know that you really save some cash using it just for it intro APR deals, all for a $0 annual fee.

  • Purchase protection
  • Extended warranty protection
  • Free credit score with Chase Credit Journey
  • Roadside Dispatch
  • Auto rental collision damage waiver
  • Access to My Chase Plan

The Chase Slate Edge℠ offers a 0% Intro APR on Purchases for 18 months. Then, a 15.24% - 23.99% Variable APR applies. If you’ve got a big purchase coming up, taking advantage of this intro APR period could allow you to spread out payments over a year without incurring interest charges.

There’s also a 0% Intro APR on Balance Transfers for 18 months. Then, a 15.24% - 23.99% Variable APR applies. If you’re struggling to pay off high-interest debt on another credit card, a balance transfer could give you breathing room and help you reach the goal of becoming debt-free.

Know that there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater.

There is a $0 annual fee.

With its generous intro APRs on purchases and balance transfers, the Chase Slate Edge℠ offers a year and a half of no interest, which can help you finance a large purchase over time or pay down other high-interest debt more quickly without incurring interest charges.

Plus, once those intro APR promotion periods expire, cardholders also have the opportunity to be considered for an APR rate reduction up to 2% from the regular APR each year by just spending at least $1,000 on the card by the next account anniversary.

While there are isn’t a rewards program that comes with the Chase Slate Edge℠, know that you really save some cash using it just for it intro APR deals, all for a $0 annual fee.

  • Purchase protection
  • Extended warranty protection
  • Free credit score with Chase Credit Journey
  • Roadside Dispatch
  • Auto rental collision damage waiver
  • Access to My Chase Plan

Best For Up to 15 months of 0% intro APR

Wells Fargo Active Cash<sup>®</sup> Card

Wells Fargo Active Cash® Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR for 15 months from account opening
Annual Fee $0
Regular Purchase APR 15.74%, 20.74%, or 25.74% Variable APR

Enjoy a 0% intro APR for 15 months from account opening, after which a 15.74%, 20.74%, or 25.74% Variable APR applies. Plus, earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

The Wells Fargo Active Cash® Card also offers a 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 15.74%, 20.74%, or 25.74% Variable APR applies.

The balance transfer fee is 3% intro for 120 days from account opening, then up to 5%; min: $5.

For ongoing rewards, cardholders earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card charges a $0 annual fee and a 3% foreign transaction fee.

The Wells Fargo Active Cash® Card offers a valuable sign-up bonus, earns cash back at a generous flat rate and comes with solid intro APR periods on both purchases and balance transfers. This is a card you’ll want to keep and use for everyday purchases once you pay down your initial balance.

Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.

  • Cellphone protection of up to $600 (subject to a $25 deductible)
  • 24/7 access to Visa Signature Concierge
  • Benefits when staying at a property in the Visa Signature Luxury Hotel Collection

Enjoy a 0% intro APR for 15 months from account opening, after which a 15.74%, 20.74%, or 25.74% Variable APR applies. Plus, earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

The Wells Fargo Active Cash® Card also offers a 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 15.74%, 20.74%, or 25.74% Variable APR applies.

The balance transfer fee is 3% intro for 120 days from account opening, then up to 5%; min: $5.

For ongoing rewards, cardholders earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card charges a $0 annual fee and a 3% foreign transaction fee.

The Wells Fargo Active Cash® Card offers a valuable sign-up bonus, earns cash back at a generous flat rate and comes with solid intro APR periods on both purchases and balance transfers. This is a card you’ll want to keep and use for everyday purchases once you pay down your initial balance.

Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.

  • Cellphone protection of up to $600 (subject to a $25 deductible)
  • 24/7 access to Visa Signature Concierge
  • Benefits when staying at a property in the Visa Signature Luxury Hotel Collection
Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Apply Now
on Capital One's secure site
Intro Purchase APR 0% intro on purchases for 15 months
Annual Fee $0
Regular Purchase APR 15.24% - 25.24% (Variable)

The Capital One Quicksilver Cash Rewards Credit Card offers a 0% intro on purchases for 15 months, after which a 15.24% - 25.24% (variable) APR applies. Plus, you have an opportunity to earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

For ongoing rewards, cardholders earn a flat rate of 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply).

The annual fee is $0 and the foreign transaction fee is none.

If you need a solid intro APR on purchases, an easy-to-earn sign-up bonus and a decent flat rewards rate, the Capital One Quicksilver Cash Rewards Credit Card is a fine choice for your wallet. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using this card when traveling abroad.

  • Free access to your VantageScore with CreditWise
  • Virtual card numbers for safer online shopping
  • Lock your card in the mobile app if it’s misplaced, lost or stolen
  • 24/7 access to a complimentary concierge service
  • Special access to culinary experiences, concerts and sporting events
  • Coupon codes for online shopping with Capital One Shopping

The Capital One Quicksilver Cash Rewards Credit Card offers a 0% intro on purchases for 15 months, after which a 15.24% - 25.24% (variable) APR applies. Plus, you have an opportunity to earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

For ongoing rewards, cardholders earn a flat rate of 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply).

The annual fee is $0 and the foreign transaction fee is none.

If you need a solid intro APR on purchases, an easy-to-earn sign-up bonus and a decent flat rewards rate, the Capital One Quicksilver Cash Rewards Credit Card is a fine choice for your wallet. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using this card when traveling abroad.

  • Free access to your VantageScore with CreditWise
  • Virtual card numbers for safer online shopping
  • Lock your card in the mobile app if it’s misplaced, lost or stolen
  • 24/7 access to a complimentary concierge service
  • Special access to culinary experiences, concerts and sporting events
  • Coupon codes for online shopping with Capital One Shopping
Chase Freedom Flex℠

Chase Freedom Flex℠

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 15.24% - 23.99% Variable

Cardholders get a 0% Intro APR on Purchases for 15 months with the Chase Freedom Flex℠. After the intro period ends, a 15.24% - 23.99% variable APR applies.

Plus, the card offers a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 15.24% - 23.99% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

There’s also a generous sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

The annual fee is $0, but there is a foreign transaction fee of 3% of each transaction in U.S. dollars.

For ongoing rewards: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Note that the rotating categories have a $1,500 spending cap per quarter on the elevated rate (after which you’ll earn 1% back on purchases in the category), and you’ll need to activate the new category each quarter.

The Chase Freedom Flex℠ is one of the top cashback credit cards available today — it’s one you’ll want to keep on hand even after you earn the sign-up bonus and reach the end of the intro APR.

  • Free access to your VantageScore with Credit Journey
  • Cellphone protection up to $800 (subject to a $25 deductible)
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver (secondary coverage)

Cardholders get a 0% Intro APR on Purchases for 15 months with the Chase Freedom Flex℠. After the intro period ends, a 15.24% - 23.99% variable APR applies.

Plus, the card offers a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 15.24% - 23.99% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

There’s also a generous sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

The annual fee is $0, but there is a foreign transaction fee of 3% of each transaction in U.S. dollars.

For ongoing rewards: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Note that the rotating categories have a $1,500 spending cap per quarter on the elevated rate (after which you’ll earn 1% back on purchases in the category), and you’ll need to activate the new category each quarter.

The Chase Freedom Flex℠ is one of the top cashback credit cards available today — it’s one you’ll want to keep on hand even after you earn the sign-up bonus and reach the end of the intro APR.

  • Free access to your VantageScore with Credit Journey
  • Cellphone protection up to $800 (subject to a $25 deductible)
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver (secondary coverage)
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 15.24% - 23.99% Variable

This card offers a 0% Intro APR on Purchases for 15 months, after which a 15.24% - 23.99% variable APR applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 15.24% - 23.99% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

It also comes with a valuable sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

The annual fee is $0 and the foreign transaction fee is 3% of each transaction in U.S. dollars.

For ongoing rewards, enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

If you spend a significant portion of your budget on dining and drugstore purchases, and 1.5% back on all other purchases sounds good to you, the Chase Freedom Unlimited® is a solid choice. Plus, the Chase Freedom Unlimited® is a Visa, unlike the Chase Freedom Flex℠ (which is a Mastercard). That could come in handy if you shop frequently at Costco, where Visa is the only credit card network accepted for in-store purchases.

  • Free access to your VantageScore with Credit Journey
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver (secondary coverage)

This card offers a 0% Intro APR on Purchases for 15 months, after which a 15.24% - 23.99% variable APR applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 15.24% - 23.99% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

It also comes with a valuable sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

The annual fee is $0 and the foreign transaction fee is 3% of each transaction in U.S. dollars.

For ongoing rewards, enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

If you spend a significant portion of your budget on dining and drugstore purchases, and 1.5% back on all other purchases sounds good to you, the Chase Freedom Unlimited® is a solid choice. Plus, the Chase Freedom Unlimited® is a Visa, unlike the Chase Freedom Flex℠ (which is a Mastercard). That could come in handy if you shop frequently at Costco, where Visa is the only credit card network accepted for in-store purchases.

  • Free access to your VantageScore with Credit Journey
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver (secondary coverage)
Blue Cash Everyday<sup>®</sup> Card from American Express

Blue Cash Everyday® Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.74%-24.74% Variable

The Blue Cash Everyday® Card from American Express offers an intro 0% on purchases for 15 months, after which a 14.74%-24.74% Variable APR applies. For the welcome offer, you can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.

You’ll earn ongoing rewards to the tune of 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations. 1% cash back on other purchases. Terms apply. Cash back is redeemable as a statement credit.

The Blue Cash Everyday® Card from American Express‘s annual fee is $0 and the foreign transaction fee is 2.7% of each transaction after conversion to US dollars.

To see rates and fees for the Blue Cash Everyday® Card from American Express, please click here.

For those who spend a significant amount on grocery shopping, this card’s rewards for U.S. supermarket purchases can come in handy. If you max out the $6,000 annual spending cap on such purchases, you’ll earn $180 in cash back before your earning rate drops.

To see rates and fees for the Blue Cash Everyday® Card from American Express, please click here.

  • Car rental loss and damage insurance (secondary coverage)
  • Special access to events and ticket presales with American Express Experiences
  • ShopRunner membership (enrollment required)

*Terms apply

The Blue Cash Everyday® Card from American Express offers an intro 0% on purchases for 15 months, after which a 14.74%-24.74% Variable APR applies. For the welcome offer, you can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.

You’ll earn ongoing rewards to the tune of 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations. 1% cash back on other purchases. Terms apply. Cash back is redeemable as a statement credit.

The Blue Cash Everyday® Card from American Express‘s annual fee is $0 and the foreign transaction fee is 2.7% of each transaction after conversion to US dollars.

To see rates and fees for the Blue Cash Everyday® Card from American Express, please click here.

For those who spend a significant amount on grocery shopping, this card’s rewards for U.S. supermarket purchases can come in handy. If you max out the $6,000 annual spending cap on such purchases, you’ll earn $180 in cash back before your earning rate drops.

To see rates and fees for the Blue Cash Everyday® Card from American Express, please click here.

  • Car rental loss and damage insurance (secondary coverage)
  • Special access to events and ticket presales with American Express Experiences
  • ShopRunner membership (enrollment required)

*Terms apply

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Apply Now
on Capital One's secure site
Intro Purchase APR 0% intro on purchases for 15 months
Annual Fee $0
Regular Purchase APR 15.24% - 25.24% (Variable)

The Capital One SavorOne Cash Rewards Credit Card offers a solid 0% intro on purchases for 15 months. After the intro period ends, a 15.24% - 25.24% (variable) APR applies.

For the sign-up bonus, earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening — a generous payout for a relatively low spend requirement.

This card also offers cash back at an excellent rate in popular categories: 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.

Finally, the annual fee is $0 and the foreign transaction fee is none.

For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, because it lacks a foreign transaction fee, it’s a fine choice for a vacation abroad when you want to sample new and exciting cuisines.

  • Free access to your VantageScore with CreditWise
  • Virtual card numbers for safer online shopping
  • Extended warranty protection
  • Lock your card in the mobile app if it’s misplaced, lost or stolen
  • 24/7 access to a complimentary concierge service
  • Special access to culinary experiences, concerts and sporting events
  • Coupon codes for online shopping with Capital One Shopping

The Capital One SavorOne Cash Rewards Credit Card offers a solid 0% intro on purchases for 15 months. After the intro period ends, a 15.24% - 25.24% (variable) APR applies.

For the sign-up bonus, earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening — a generous payout for a relatively low spend requirement.

This card also offers cash back at an excellent rate in popular categories: 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.

Finally, the annual fee is $0 and the foreign transaction fee is none.

For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, because it lacks a foreign transaction fee, it’s a fine choice for a vacation abroad when you want to sample new and exciting cuisines.

  • Free access to your VantageScore with CreditWise
  • Virtual card numbers for safer online shopping
  • Extended warranty protection
  • Lock your card in the mobile app if it’s misplaced, lost or stolen
  • 24/7 access to a complimentary concierge service
  • Special access to culinary experiences, concerts and sporting events
  • Coupon codes for online shopping with Capital One Shopping
Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 15 months
Annual Fee $0
Regular Purchase APR 12.24% - 23.24% Variable APR

Enjoy an intro 0% Intro APR for 15 months on balance transfers, after which a 12.24% - 23.24% Variable APR applies. There’s a reasonable 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

Plus, get an intro 0% Intro APR for 15 months on purchases. After that time, a 12.24% - 23.24% Variable APR applies.

The Discover it® Cash Back also comes with a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

For ongoing rewards: earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

However, be aware that there’s a $1,500 spending cap on the elevated earning rate each quarter, so you can earn a maximum of $75 cash back at the higher rate before what you earn drops to 1% on all purchases.

The card’s annual fee is $0 and the foreign transaction fee is none.

The Discover it® Cash Back is one of the top cashback credit cards around — as long as you’re willing to make the effort to activate a new category quarterly. Plus, unlike the rotating categories for the Chase Freedom Flex℠ (which Chase announces ahead of each quarter), Discover makes the Discover it® Cash Back‘s categories available for the year, which makes it easy to plan when you’ll want to use this card.

  • Free access to your FICO® Score
  • Alerts if your Social Security number is found on the Dark Web (enrollment required)
  • Freeze your card online or in the mobile app
  • Customer service that’s available 24/7 and based 100% in the U.S.

Enjoy an intro 0% Intro APR for 15 months on balance transfers, after which a 12.24% - 23.24% Variable APR applies. There’s a reasonable 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

Plus, get an intro 0% Intro APR for 15 months on purchases. After that time, a 12.24% - 23.24% Variable APR applies.

The Discover it® Cash Back also comes with a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

For ongoing rewards: earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

However, be aware that there’s a $1,500 spending cap on the elevated earning rate each quarter, so you can earn a maximum of $75 cash back at the higher rate before what you earn drops to 1% on all purchases.

The card’s annual fee is $0 and the foreign transaction fee is none.

The Discover it® Cash Back is one of the top cashback credit cards around — as long as you’re willing to make the effort to activate a new category quarterly. Plus, unlike the rotating categories for the Chase Freedom Flex℠ (which Chase announces ahead of each quarter), Discover makes the Discover it® Cash Back‘s categories available for the year, which makes it easy to plan when you’ll want to use this card.

  • Free access to your FICO® Score
  • Alerts if your Social Security number is found on the Dark Web (enrollment required)
  • Freeze your card online or in the mobile app
  • Customer service that’s available 24/7 and based 100% in the U.S.
Discover it<sup>®</sup> chrome

Discover it® chrome

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 15 months
Annual Fee $0
Regular Purchase APR 12.24% - 23.24% Variable APR

This card offers an intro 0% Intro APR for 15 months on balance transfers, after which a 12.24% - 23.24% Variable APR applies. You’ll pay a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. That’s a solid intro APR period and a reasonable balance transfer fee.

The Discover it® chrome also offers an intro 0% Intro APR for 15 months on purchases. After, a 12.24% - 23.24% Variable APR applies.

For ongoing value, cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

Plus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The annual fee is $0 and the foreign transaction fee is none.

The Discover it® chrome is a fine choice for consumers who need an intro APR period of more than a year, and ongoing cash back on gas station and restaurant purchases. If you max out the 2% rate on such purchases, that’s $20 in cash back per quarter before your earning rate dips to 1%.

  • Free access to your FICO® Score
  • Alerts if your Social Security number is found on the Dark Web (enrollment required)
  • Freeze your card online or in the mobile app
  • Customer service that’s available 24/7 and based 100% in the U.S.

This card offers an intro 0% Intro APR for 15 months on balance transfers, after which a 12.24% - 23.24% Variable APR applies. You’ll pay a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. That’s a solid intro APR period and a reasonable balance transfer fee.

The Discover it® chrome also offers an intro 0% Intro APR for 15 months on purchases. After, a 12.24% - 23.24% Variable APR applies.

For ongoing value, cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

Plus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The annual fee is $0 and the foreign transaction fee is none.

The Discover it® chrome is a fine choice for consumers who need an intro APR period of more than a year, and ongoing cash back on gas station and restaurant purchases. If you max out the 2% rate on such purchases, that’s $20 in cash back per quarter before your earning rate dips to 1%.

  • Free access to your FICO® Score
  • Alerts if your Social Security number is found on the Dark Web (enrollment required)
  • Freeze your card online or in the mobile app
  • Customer service that’s available 24/7 and based 100% in the U.S.
Discover it<sup>®</sup> Miles

Discover it® Miles

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 15 months on purchases
Annual Fee $0
Regular Purchase APR 12.24% - 23.24% Variable APR

With the Discover it® Miles, you’ll get a 0% Intro APR for 15 months on balance transfers. After, a 12.24% - 23.24% Variable APR applies. The balance transfer fee is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

There’s also a 0% Intro APR for 15 months on purchases, after which a 12.24% - 23.24% Variable APR applies.

Cardholders automatically earn unlimited 1.5x miles on every dollar of every purchase - with no annual fee.

The Discover it® Miles also offers a cash back match like the other Discover credit cards mentioned above. Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

You’ll pay a $0 annual fee to carry the card and a foreign transaction fee of none.

If you’re looking for solid intro APR periods and flat-rate rewards, the Discover it® Miles is a fine card to consider. You can redeem miles for cash back, as a statement credit for a travel purchase, when checking out at Amazon.com or to pay with PayPal. Your miles never expire, and redemptions start as low as one mile (with each mile being worth one cent).

  • Free access to your FICO® Score
  • Freeze your card online or in the mobile app

With the Discover it® Miles, you’ll get a 0% Intro APR for 15 months on balance transfers. After, a 12.24% - 23.24% Variable APR applies. The balance transfer fee is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

There’s also a 0% Intro APR for 15 months on purchases, after which a 12.24% - 23.24% Variable APR applies.

Cardholders automatically earn unlimited 1.5x miles on every dollar of every purchase - with no annual fee.

The Discover it® Miles also offers a cash back match like the other Discover credit cards mentioned above. Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

You’ll pay a $0 annual fee to carry the card and a foreign transaction fee of none.

If you’re looking for solid intro APR periods and flat-rate rewards, the Discover it® Miles is a fine card to consider. You can redeem miles for cash back, as a statement credit for a travel purchase, when checking out at Amazon.com or to pay with PayPal. Your miles never expire, and redemptions start as low as one mile (with each mile being worth one cent).

  • Free access to your FICO® Score
  • Freeze your card online or in the mobile app

The Amex EveryDay® Credit Card from American Express

Highlights
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 13.24% to 24.24%.
  • 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x)
  • 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.

On purchases, you’ll get a 0% introductory APR for the first 15 months from the date of account opening. After the intro period, a 13.24% to 24.24% variable APR applies.

Plus, you’ll get a chance to earn a welcome offer: 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months

The card also offers ongoing rewards to the tune of 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases. Terms apply.

You’ll pay a $0 annual fee, but beware the foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars.

The Amex EveryDay® Credit Card from American Express offers more than a year of intro APR on new purchases and the chance to earn an OK welcome offer. Rewards on this card come in the form of Membership Rewards points, which can be redeemed in a variety of ways, such as booking or upgrading travel, covering charges on your card, or to get gift cards for numerous brands. In short, this card is best for someone planning a big purchase and interested in a no-annual-fee Amex card that earns points.

  • Dispute resolution to help you resolve fraudulent and incorrect charges

On purchases, you’ll get a 0% introductory APR for the first 15 months from the date of account opening. After the intro period, a 13.24% to 24.24% variable APR applies.

Plus, you’ll get a chance to earn a welcome offer: 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months

The card also offers ongoing rewards to the tune of 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases. Terms apply.

You’ll pay a $0 annual fee, but beware the foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars.

The Amex EveryDay® Credit Card from American Express offers more than a year of intro APR on new purchases and the chance to earn an OK welcome offer. Rewards on this card come in the form of Membership Rewards points, which can be redeemed in a variety of ways, such as booking or upgrading travel, covering charges on your card, or to get gift cards for numerous brands. In short, this card is best for someone planning a big purchase and interested in a no-annual-fee Amex card that earns points.

  • Dispute resolution to help you resolve fraudulent and incorrect charges
The information related to the The Amex EveryDay® Credit Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

American Express Cash Magnet® Card

Highlights
  • $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

The American Express Cash Magnet® Card offers an intro APR of 0% on purchases for 15 months, after which a 14.24% to 24.24% variable APR applies. You also get the opportunity to earn a welcome offer: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.

For ongoing rewards, you’ll earn unlimited 1.5% cash back on your purchases. Terms apply. The card’s annual fee is $0, but it does charge a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

Thanks to a solid intro APR period on purchases, a competitive welcome offer, and an ongoing flat cash back rate, the American Express Cash Magnet® Card is best for consumers who are planning a big purchase and like to keep things simple. Just know the welcome offer requires a high spend amount, and there are credit cards on the market with similar offers at lower spending thresholds.

  • Access to ticket presales and exclusive events with American Express Experiences

The American Express Cash Magnet® Card offers an intro APR of 0% on purchases for 15 months, after which a 14.24% to 24.24% variable APR applies. You also get the opportunity to earn a welcome offer: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership.

For ongoing rewards, you’ll earn unlimited 1.5% cash back on your purchases. Terms apply. The card’s annual fee is $0, but it does charge a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

Thanks to a solid intro APR period on purchases, a competitive welcome offer, and an ongoing flat cash back rate, the American Express Cash Magnet® Card is best for consumers who are planning a big purchase and like to keep things simple. Just know the welcome offer requires a high spend amount, and there are credit cards on the market with similar offers at lower spending thresholds.

  • Access to ticket presales and exclusive events with American Express Experiences
The information related to the American Express Cash Magnet® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% intro APR for 15 months on purchases
Annual Fee $0
Regular Purchase APR 14.74% - 24.74% (Variable)

The Citi Custom Cash℠ Card offers a 0% intro APR for 15 months on purchases. After, a 14.74% - 24.74% (variable) APR applies. Plus, earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

There’s also a 0% intro APR for 15 months on balance transfers, after which a 14.74% - 24.74% (variable) APR applies. The balance transfer fee is 5% of each balance transfer; $5 minimum.

The rewards program is generous: 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.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

With the Citi Custom Cash℠ Card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program. Though this card has a cap of $500 spent per month on the 5% rate (after which it drops down to 1% on all purchases), that’s still quite generous. Cardholders who max that out will earn $25 in cash back per month at the elevated rate. Categories the card selects from to determine your 5% category each month include:

  • Restaurants
  • Gas stations
  • Grocery stores
  • Select travel
  • Select transit
  • Select streaming services
  • Drugstores
  • Home improvement stores
  • Fitness clubs
  • Live entertainment
  • Free access to your FICO® Score
  • Mastercard ID Theft Protection
  • Citi® Quick Lock

The Citi Custom Cash℠ Card offers a 0% intro APR for 15 months on purchases. After, a 14.74% - 24.74% (variable) APR applies. Plus, earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

There’s also a 0% intro APR for 15 months on balance transfers, after which a 14.74% - 24.74% (variable) APR applies. The balance transfer fee is 5% of each balance transfer; $5 minimum.

The rewards program is generous: 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.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

With the Citi Custom Cash℠ Card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program. Though this card has a cap of $500 spent per month on the 5% rate (after which it drops down to 1% on all purchases), that’s still quite generous. Cardholders who max that out will earn $25 in cash back per month at the elevated rate. Categories the card selects from to determine your 5% category each month include:

  • Restaurants
  • Gas stations
  • Grocery stores
  • Select travel
  • Select transit
  • Select streaming services
  • Drugstores
  • Home improvement stores
  • Fitness clubs
  • Live entertainment

  • Free access to your FICO® Score
  • Mastercard ID Theft Protection
  • Citi® Quick Lock
Bank of America<sup>®</sup> Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Apply Now
on Bank Of America's secure site
Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
Annual Fee $0
Regular Purchase APR 14.24% - 24.24% Variable APR

With the Bank of America® Unlimited Cash Rewards credit card, cardholders get a 0% Intro APR for 15 billing cycles for purchases. After, a 14.24% - 24.24% Variable APR applies. Plus, you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

You can also take advantage of a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After, a 14.24% - 24.24% Variable APR on balance transfers applies. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

For ongoing value, this card earns a flat rate — 1.5% cash back on all purchases.

The annual fee is $0. Do beware the 3% foreign transaction fee.

The Bank of America® Unlimited Cash Rewards credit card comes with a solid 0% intro APR on both purchases and balance transfers, and charges a reasonable balance transfer fee. Whether you need to make a big purchase or pay off debt transferred from a non-Bank of America card, this is a fine choice. Plus, it offers ongoing value in the form of flat-rate rewards.

  • FICO® Score access for free when you opt in
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay

With the Bank of America® Unlimited Cash Rewards credit card, cardholders get a 0% Intro APR for 15 billing cycles for purchases. After, a 14.24% - 24.24% Variable APR applies. Plus, you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

You can also take advantage of a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After, a 14.24% - 24.24% Variable APR on balance transfers applies. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

For ongoing value, this card earns a flat rate — 1.5% cash back on all purchases.

The annual fee is $0. Do beware the 3% foreign transaction fee.

The Bank of America® Unlimited Cash Rewards credit card comes with a solid 0% intro APR on both purchases and balance transfers, and charges a reasonable balance transfer fee. Whether you need to make a big purchase or pay off debt transferred from a non-Bank of America card, this is a fine choice. Plus, it offers ongoing value in the form of flat-rate rewards.

  • FICO® Score access for free when you opt in
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay

Best For Up to 12 months of 0% intro APR

Navy Federal Platinum Credit Card

Highlights
  • Intro 0% APR on balance transfers for 12 months
  • After the intro period, a 5.99% - 18.00% variable APR applies
  • No balance transfer fee
  • No annual fee

If you’re looking for a credit card with no balance transfer fee, the Navy Federal Platinum Credit Card is one of the few on the market. It charges a $0 balance transfer fee and offers a 0% intro APR for 12 months on balance transfers made within 30 days of account opening. After this period ends, a 5.99% to 18.00% variable APR applies.

There is no intro purchase APR, and the regular purchase APR is 5.99% to 18.00% variable.

You’ll pay a $0 annual fee to carry the card and a $0 foreign transaction fee on purchases made abroad.

The Navy Federal Platinum Credit Card is an excellent tool for consumers who want to avoid a balance transfer fee and can work with a shorter intro APR period.

Navy Federal Credit Union membership is open to active and retired U.S. military members, veterans, family and household members, Department of Defense personnel and more.

  • Collision damage waiver (secondary coverage)

If you’re looking for a credit card with no balance transfer fee, the Navy Federal Platinum Credit Card is one of the few on the market. It charges a $0 balance transfer fee and offers a 0% intro APR for 12 months on balance transfers made within 30 days of account opening. After this period ends, a 5.99% to 18.00% variable APR applies.

There is no intro purchase APR, and the regular purchase APR is 5.99% to 18.00% variable.

You’ll pay a $0 annual fee to carry the card and a $0 foreign transaction fee on purchases made abroad.

The Navy Federal Platinum Credit Card is an excellent tool for consumers who want to avoid a balance transfer fee and can work with a shorter intro APR period.

Navy Federal Credit Union membership is open to active and retired U.S. military members, veterans, family and household members, Department of Defense personnel and more.

  • Collision damage waiver (secondary coverage)
The information related to the Navy Federal Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card

U.S. Bank Altitude® Go Visa Signature® Card

Apply Now
on U.S. Bank's secure site
Intro Purchase APR 0% for 12 billing cycles on purchases
Annual Fee $0
Regular Purchase APR 15.74% - 24.74% (Variable)

With the U.S. Bank Altitude® Go Visa Signature® Card, you’ll get an intro 0% for 12 billing cycles on purchases, after which a 15.74% - 24.74% (variable) APR applies. You can also earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

On balance transfers, enjoy a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening; at the end of this period, a 15.74% - 24.74% (variable) APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.

The rewards are generous: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

You don’t have to pay to carry the card, as the annual fee is $0, and you won’t have to worry about a foreign transaction fee when traveling abroad because there is none.

The U.S. Bank Altitude® Go Visa Signature® Card is one of the best credit cards available for foodies. With its 4X rate on restaurant dining, takeout and delivery, as well as its lack of a foreign transaction fee, this card shines whether you’re using it within the U.S. or while traveling abroad.

  • $15 annual streaming credit after 11 months of eligible streaming service purchases
  • Use your card with your mobile wallet
  • Use Real-Time Rewards to redeem points instantly while shopping
  • Lock and unlock your card in the mobile app

With the U.S. Bank Altitude® Go Visa Signature® Card, you’ll get an intro 0% for 12 billing cycles on purchases, after which a 15.74% - 24.74% (variable) APR applies. You can also earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

On balance transfers, enjoy a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening; at the end of this period, a 15.74% - 24.74% (variable) APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.

The rewards are generous: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

You don’t have to pay to carry the card, as the annual fee is $0, and you won’t have to worry about a foreign transaction fee when traveling abroad because there is none.

The U.S. Bank Altitude® Go Visa Signature® Card is one of the best credit cards available for foodies. With its 4X rate on restaurant dining, takeout and delivery, as well as its lack of a foreign transaction fee, this card shines whether you’re using it within the U.S. or while traveling abroad.

  • $15 annual streaming credit after 11 months of eligible streaming service purchases
  • Use your card with your mobile wallet
  • Use Real-Time Rewards to redeem points instantly while shopping
  • Lock and unlock your card in the mobile app

Side-by-side comparison of 0% intro APR credit cards

Credit card
Wells Fargo Reflect℠ Card0% intro APR up to 21 months from account opening , after which a 13.74%-25.74% Variable APR applies. 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 13.74%-25.74% Variable APR applies.
Citi Simplicity® Card0% for 12 months on purchases, after which a 15.49% - 25.49% (variable) APR applies. 0% for 21 months on balance transfers, after which a 15.49% - 25.49% (variable) APR applies.
Citi® Diamond Preferred® Card0% for 12 months on purchases, after which a 14.49% - 24.49% (variable) APR applies. 0% for 21 months on balance transfers, after which a 14.49% - 24.49% (variable) APR applies.
U.S. Bank Visa® Platinum Card0% intro APR for 20 billing cycles on Purchases, after which a 15.24% - 25.24% (variable) APR applies. 0% intro APR for 20 billing cycles on Balance Transfers, after which a 15.24% - 25.24% (variable) APR applies.
BankAmericard® credit card0% Intro APR for 18 billing cycles for purchases, after which a 13.24% - 23.24% Variable APR applies. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, after which a 13.24% - 23.24% Variable APR on balance transfers applies.
Chase Slate Edge℠0% Intro APR on Purchases for 18 months. Then, a 15.24% - 23.99% Variable APR applies. 0% Intro APR on Balance Transfers for 18 months. Then, a 15.24% - 23.99% Variable APR applies.
Wells Fargo Active Cash® Card0% intro APR for 15 months from account opening, after which a 15.74%, 20.74%, or 25.74% Variable APR applies. 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 15.74%, 20.74%, or 25.74% Variable APR applies.
Capital One Quicksilver Cash Rewards Credit Card0% intro on purchases for 15 months, after which a 15.24% - 25.24% (variable) APR applies.
Chase Freedom Flex℠0% Intro APR on Purchases for 15 months, after which a 15.24% - 23.99% variable APR applies.
Chase Freedom Unlimited®0% Intro APR on Purchases for 15 months, after which a 15.24% - 23.99% variable APR applies.
Blue Cash Everyday® Card from American Express0% on purchases for 15 months, after which a 14.74%-24.74% variable APR applies.
Capital One SavorOne Cash Rewards Credit Card0% intro on purchases for 15 months, after which a 15.24% - 25.24% (variable) APR applies.
Discover it® Cash Back0% Intro APR for 15 months on purchases, then a 12.24% - 23.24% Variable APR applies. 0% Intro APR for 15 months on balance transfers, then a 12.24% - 23.24% Variable APR applies.
Discover it® chrome0% Intro APR for 15 months on purchases, then a 12.24% - 23.24% Variable APR applies. 0% Intro APR for 15 months on balance transfers, then a 12.24% - 23.24% Variable APR applies.
Discover it® Miles0% Intro APR for 15 months on purchases, then a 12.24% - 23.24% Variable APR applies. 0% Intro APR for 15 months on balance transfers, then a 12.24% - 23.24% Variable APR applies.
The Amex EveryDay® Credit Card from American Express0% introductory APR for the first 15 months from the date of account opening. on purchases, then a 13.24% to 24.24% variable APR applies.
American Express Cash Magnet® Card0% on purchases for 15 months, then a 14.24% to 24.24% variable APR applies.
Citi Custom Cash℠ Card0% intro APR for 15 months on purchases, then a 14.74% - 24.74% (variable) APR applies. 0% intro APR for 15 months on balance transfers, then a 14.74% - 24.74% (variable) APR applies.
Bank of America® Unlimited Cash Rewards credit card0% Intro APR for 15 billing cycles for purchases, then a 14.24% - 24.24% Variable APR applies. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then a 14.24% - 24.24% Variable APR on balance transfers applies.
Navy Federal Platinum Credit Card0% intro APR for 12 months on balance transfers made within 30 days of account opening, after which a 5.99% to 18.00% variable APR applies.
U.S. Bank Altitude® Go Visa Signature® Card0% for 12 billing cycles on purchases, after which a 15.74% - 24.74% (variable) APR applies. 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, after which a 15.74% - 24.74% (variable) APR applies.

To see rates and fees for the Blue Cash Everyday® Card from American Express please click here.

What is a 0% intro APR credit card?

A card offering a 0% intro APR on new purchases can be helpful when you need time to pay off a big-ticket item as it offers a period of time where no interest charges are added to your balance. Whether it’s remodeling a bathroom or fixing your car’s transmission, using a long 0% intro APR credit card is an easy way to stretch out your payments over time without paying interest.

Once the intro period expires, any balance remaining will be subject to the ongoing APR.

A balance transfer card allows you a break from interest charges while you pay off debt transferred from another credit card. When you do a balance transfer to a 0% intro APR card, that gives you a window of time when the entire payment goes toward the principal of your debt, rather than the principal plus interest. You may have to pay a balance transfer fee on the amount transferred (there are cards with no balance transfer fees, but they are rare), but that fee may be worth it if you save more in interest than you pay to make the transfer.

If you’re looking for a way to consolidate debt for a longer period of time than these cards offer, consolidating debt with a personal loan might be a better option for you than opening a balance transfer credit card.

FAQs about 0% intro APR credit cards

When using a credit card, you generally incur interest charges on any balance not paid off by the payment due date. But if you have a card with an intro APR period, you get a certain number of months at a reduced interest rate or with no interest. A card may offer an intro APR period on purchases, balance transfers, or both. Once the intro period ends, you’ll incur interest at the regular APR.

If you need to finance a big purchase, a credit card with an intro APR period on purchases can allow you to pay off the purchase over time without being charged interest. And if you need to move high-interest debt on one card to a balance transfer card with an intro APR period, that can give you some relief from interest charges and let you work on paying down just the principal of your debt instead of the principal plus interest.

Yes, intro APR and deferred interest are two different types of promotional periods. With deferred interest, if you don’t pay off the balance in full by a certain date, you’ll owe back interest from the date of purchase. Deferred interest deals are often promoted on store cards. With an intro APR offer, you’ll only be charged interest on any remaining unpaid balance after the intro APR period ends.

Yes, it is possible to find a card that doesn’t charge a balance transfer fee. However, those tend to come with shorter promotional periods. For a balance transfer card with a long promotional period, you will most likely end up having to pay a fee ranging from 3% to 5% of the amount transferred, which is then added to your balance.

This will depend on your issuer. Some issuers allow cardholders to transfer up to their new balance transfer card credit limit, minus the amount of the balance transfer fee. Other issuers impose caps on how much you can transfer. The best way to find out is to call the issuer before you apply to see what the balance transfer limits are.

Typically, balance transfer cards require good credit (a FICO Score of at least 670) or better to qualify for. If you have poor or fair credit, you may not qualify for a balance transfer card.

Yes, your credit score will likely impact your card’s regular APR (the APR that kicks in once the intro APR ends). In short, the better your credit score, the lower your APR is likely to be.

Methodology

The most important criterion in compiling this list of 0% intro APR credit cards was that each card should offer a 0% intro APR period. Some cards offer intro periods on both purchases and balance transfers, while others only offer an intro period for one or the other.

In addition, whether or not the card charges a balance transfer fee — and if so, how much — was also considered. Whether or not the card has a sign-up bonus or welcome offer also weighed in the evaluation process.

Other helpful features were also considered, such as ongoing rewards programs and benefits such as cell phone protection.

Finally, none of the credit cards on this list charge an annual fee.

Glen Luke Flanagan

  • Expertise: Personal finance, credit scoring, credit cards
  • Education: Radford University, East Carolina University

 


 

Glen Luke Flanagan is a senior credit card writer for LendingTree. He joined the team in June 2019, and covers topics including new credit cards, how your credit score works and what you need to know about credit card interest.
 
Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.
 
Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.

Read More

The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.