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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
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.
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. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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February 1, 2023
*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 February 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The BankAmericard® credit card is our top pick for the overall best 0% APR credit card, due to its lengthy intro periods. It offers one of the longest intro APRs on both purchases and balance transfers. Plus, there is a $0 annual fee.
Citi is an advertising partner.
A credit card with a 0% introductory APR can help you finance a big purchase or transfer a balance from a high-interest credit card. The best 0% APR credit cards typically have introductory interest-free periods that are 12 months or longer, and some can even last 18 or even 21 months. Many 0% APR credit cards also come with sign-up bonuses or rewards that match your spending, both of which can help you pay off your purchase.
Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases. After the intro period, a 16.24% - 26.24% Variable APR applies.
Intro balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro period, a 16.24% - 26.24% Variable APR on balance transfers applies. You’ll also be charged a balance transfer fee of Either $10 or 3% of the amount of each transaction, whichever is greater.
Why we picked this card: The BankAmericard® credit card‘s APR period for purchases and balance transfers is as lengthy as the Wells Fargo Reflect® Card’s. Its $0 annual fee and lower range for an ongoing APR make this one of the best 0% intro APR cards available.
The BankAmericard® credit card is best for people who are looking for the longest 0% intro APR possible. Keep in mind that you’ll only qualify for the 0% intro APR on balance transfers if you make them within 60 days of opening your account.
If, however, you’re looking for a card that you can use for rewards after your no-interest period ends, this isn’t the best choice since it has no rewards program. Instead, the Wells Fargo Autograph℠ Card might be a better fit for you.
Intro purchase APR: 0% Intro APR for 21 billing cycles for purchases. After the intro period, a 16.24% - 26.24% Variable APR applies.
Intro balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After the intro period, a 16.24% - 26.24% Variable APR on balance transfers applies. You’ll also be charged a balance transfer fee of Either $10 or 3% of the amount of each transaction, whichever is greater.
Why we picked this card: The BankAmericard® credit card‘s APR period for purchases and balance transfers is as lengthy as the Wells Fargo Reflect® Card’s. Its $0 annual fee and lower range for an ongoing APR make this one of the best 0% intro APR cards available.
The BankAmericard® credit card is best for people who are looking for the longest 0% intro APR possible. Keep in mind that you’ll only qualify for the 0% intro APR on balance transfers if you make them within 60 days of opening your account.
If, however, you’re looking for a card that you can use for rewards after your no-interest period ends, this isn’t the best choice since it has no rewards program. Instead, the Wells Fargo Autograph℠ Card might be a better fit for you.
Check out our BankAmericard® credit card review.
Intro purchase APR: 0% intro APR up to 21 months from account opening . After the intro period, a 17.24% - 29.24% variable APR applies.
Intro balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. After the intro period, a 17.24% - 29.24% variable APR applies.
Why we picked this card: While there are many credit cards that offer a 0% introductory APR for up to 18 months, the Wells Fargo Reflect® Card goes even further. If you make on-time minimum payments during the introductory period, you’ll get an extra three months. That makes up to 21 months of 0% interest on purchases, beating the other cards on this list.
Pros | Cons |
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Long intro APR on balance transfers and new purchases Extend your intro period by making on-time payments $0 annual fee Offers cellphone protection | No rewards program Few benefits outside the intro offer Charges a balance transfer fee High regular APR |
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.
Intro purchase APR: 0% intro APR up to 21 months from account opening . After the intro period, a 17.24% - 29.24% variable APR applies.
Intro balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. After the intro period, a 17.24% - 29.24% variable APR applies.
Why we picked this card: While there are many credit cards that offer a 0% introductory APR for up to 18 months, the Wells Fargo Reflect® Card goes even further. If you make on-time minimum payments during the introductory period, you’ll get an extra three months. That makes up to 21 months of 0% interest on purchases, beating the other cards on this list.
Pros | Cons |
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Long intro APR on balance transfers and new purchases Extend your intro period by making on-time payments $0 annual fee Offers cellphone protection | No rewards program Few benefits outside the intro offer Charges a balance transfer fee High regular APR |
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.
Check out our Wells Fargo Reflect® Card review.
Intro purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 18.99% - 28.99% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 18.99% - 28.99% (variable) APR applies.
Why we picked this card: The U.S. Bank Visa® Platinum Card has the second longest intro APR on purchases of the cards in this list — plus, unlike the Wells Fargo Reflect® Card, you qualify for the full intro period up front, rather than having to earn it. The card is a great choice if you need a long period to pay down your balance. However, it lacks a rewards program, so you probably won’t want to make it your go-to card for the long run.
Pros | Cons |
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Long intro APR for purchases and balance transfers $0 annual fee Cellphone protection Choose your own due date | No rewards program Few benefits Foreign transaction fee |
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 prefer a card like the Navy Federal Platinum Credit Card.
Intro purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 18.99% - 28.99% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 18.99% - 28.99% (variable) APR applies.
Why we picked this card: The U.S. Bank Visa® Platinum Card has the second longest intro APR on purchases of the cards in this list — plus, unlike the Wells Fargo Reflect® Card, you qualify for the full intro period up front, rather than having to earn it. The card is a great choice if you need a long period to pay down your balance. However, it lacks a rewards program, so you probably won’t want to make it your go-to card for the long run.
Pros | Cons |
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Long intro APR for purchases and balance transfers $0 annual fee Cellphone protection Choose your own due date | No rewards program Few benefits Foreign transaction fee |
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 prefer a card like the Navy Federal Platinum Credit Card.
Check out our U.S. Bank Visa® Platinum Card review.
Intro purchase APR: 0.00% Introductory APR for the first 15 months that your account is open, after which a 12.24% to 23.74% variable APR applies.
Intro balance transfer APR: 0.00% Introductory APR for the first 15 months that your account is open, after which a 12.24% to 23.74% variable APR applies.
Why we picked this card: Many balance transfer credit cards offer a 0% introductory rate on balance transfers, but charge a balance transfer fee of around 3% — so transferring a large balance could land you with a significant balance transfer fee. The Union Bank® Platinum™ Visa® Credit Card is a great pick if you want to avoid this fee, as it doesn’t charge one for transfers completed within the first 60 days of opening the account.
Pros | Cons |
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Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection Intro balance transfer fee Rotating cash back categories | Higher balance transfer fee on transfers completed after 60 days Foreign transaction fee |
The Union Bank® Platinum™ Visa® Credit Card is a great choice for someone who wants to save interest on balance transfers or new purchases, and doesn’t care about a lot of extra frills.
Intro purchase APR: 0.00% Introductory APR for the first 15 months that your account is open, after which a 12.24% to 23.74% variable APR applies.
Intro balance transfer APR: 0.00% Introductory APR for the first 15 months that your account is open, after which a 12.24% to 23.74% variable APR applies.
Why we picked this card: Many balance transfer credit cards offer a 0% introductory rate on balance transfers, but charge a balance transfer fee of around 3% — so transferring a large balance could land you with a significant balance transfer fee. The Union Bank® Platinum™ Visa® Credit Card is a great pick if you want to avoid this fee, as it doesn’t charge one for transfers completed within the first 60 days of opening the account.
Pros | Cons |
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Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection Intro balance transfer fee Rotating cash back categories | Higher balance transfer fee on transfers completed after 60 days Foreign transaction fee |
The Union Bank® Platinum™ Visa® Credit Card is a great choice for someone who wants to save interest on balance transfers or new purchases, and doesn’t care about a lot of extra frills.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.24% - 27.99% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.24% - 27.99% variable APR applies.
Why we picked this card: Depending on your credit history and background, you may be able to get a higher credit limit with the Chase Freedom Flex℠ — especially if you already have a relationship with Chase. There are many online reports of Chase offering high initial credit limits on its cards, including its no-annual fee cards. This card also features a long intro APR and a great cash back rewards program, if you don’t mind enrolling in its quarterly categories.
Pros | Cons |
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Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection Intro balance transfer fee Rotating cash back categories | Higher balance transfer fee on transfers completed after 60 days Foreign transaction fee |
For those who want to put some extra maintenance into a credit card to earn extra rewards even after your intro APR period ends, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 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 you’ll need to activate the rotating categories every quarter, and that the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter.
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!
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.24% - 27.99% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.24% - 27.99% variable APR applies.
Why we picked this card: Depending on your credit history and background, you may be able to get a higher credit limit with the Chase Freedom Flex℠ — especially if you already have a relationship with Chase. There are many online reports of Chase offering high initial credit limits on its cards, including its no-annual fee cards. This card also features a long intro APR and a great cash back rewards program, if you don’t mind enrolling in its quarterly categories.
Pros | Cons |
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Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection Intro balance transfer fee Rotating cash back categories | Higher balance transfer fee on transfers completed after 60 days Foreign transaction fee |
For those who want to put some extra maintenance into a credit card to earn extra rewards even after your intro APR period ends, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 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 you’ll need to activate the rotating categories every quarter, and that the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter.
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!
Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Why we picked this card: The Chase Slate Edge℠‘s intro APR on purchases and balance transfers is one of Chase’s strongest. Plus, you may be able to lower the regular APR by up to 2% each year — a unique feature other Chase cards lack.
Pros | Cons |
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The Chase Slate Edge℠ is best for people who are looking to build credit or need a longer time to pay off a balance transfer. If you know you may end up carrying a balance, this card may also be a good choice: You can lower your APR by up to 2% each year when you pay on time and spend at least $1,000 on your card, until your APR reaches the Prime Rate plus 9.74%.
Intro purchase APR: 0% Intro APR on Purchases for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Why we picked this card: The Chase Slate Edge℠‘s intro APR on purchases and balance transfers is one of Chase’s strongest. Plus, you may be able to lower the regular APR by up to 2% each year — a unique feature other Chase cards lack.
Pros | Cons |
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The Chase Slate Edge℠ is best for people who are looking to build credit or need a longer time to pay off a balance transfer. If you know you may end up carrying a balance, this card may also be a good choice: You can lower your APR by up to 2% each year when you pay on time and spend at least $1,000 on your card, until your APR reaches the Prime Rate plus 9.74%.
Check out our Chase Slate Edge℠ review.
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is the rare $0 annual fee card that doesn’t charge a foreign transaction fee, making it a good option for traveling abroad. It also offers a long intro APR and a high rate of cash back on every purchase.
Pros | Cons |
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Earn flat-rate cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee Automatic reviews to increase your credit limit Foreign transaction fees: None |   There are cards with longer intro offers   Charges a balance transfer fee   High regular APR |
The Capital One Quicksilver Cash Rewards Credit Card is another good choice for someone looking for a rewards credit card with an intro APR. It earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
There’s also a sign-up bonus: Capital One Quicksilver Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
In short, after you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is the rare $0 annual fee card that doesn’t charge a foreign transaction fee, making it a good option for traveling abroad. It also offers a long intro APR and a high rate of cash back on every purchase.
Pros | Cons |
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Earn flat-rate cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee Automatic reviews to increase your credit limit Foreign transaction fees: None |   There are cards with longer intro offers   Charges a balance transfer fee   High regular APR |
The Capital One Quicksilver Cash Rewards Credit Card is another good choice for someone looking for a rewards credit card with an intro APR. It earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
There’s also a sign-up bonus: Capital One Quicksilver Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
In short, after you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Check out our Capital One Quicksilver Cash Rewards Credit Card review.
Intro purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, a 19.24%, 24.24%, or 29.24% variable APR applies.
Intro balance transfer APR: N/A
Why we picked this card: The Wells Fargo Autograph℠ Card currently features one of the largest sign-up bonuses for a $0-annual-fee credit card: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Pros | Cons |
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Large sign-up bonus Unlimited 3x points on several bonus categories Simple, straightforward rewards $0 annual fee | No introductory 0% APR on balance transfers Intro period is on the short side 19.24%, 24.24%, or 29.24% variable APR after purchase introductory period ends |
The Wells Fargo Autograph℠ Card is a great option for someone who’s looking for a card that has an intro 0% APR on purchases, as well as a large sign-up bonus and great rewards on travel purchases. You’ll get a 0% intro APR for 12 months from account opening on purchases, and a 19.24%, 24.24%, or 29.24% variable APR thereafter.
Intro purchase APR: 0% intro APR for 12 months from account opening on purchases. After that, a 19.24%, 24.24%, or 29.24% variable APR applies.
Intro balance transfer APR: N/A
Why we picked this card: The Wells Fargo Autograph℠ Card currently features one of the largest sign-up bonuses for a $0-annual-fee credit card: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Pros | Cons |
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Large sign-up bonus Unlimited 3x points on several bonus categories Simple, straightforward rewards $0 annual fee | No introductory 0% APR on balance transfers Intro period is on the short side 19.24%, 24.24%, or 29.24% variable APR after purchase introductory period ends |
The Wells Fargo Autograph℠ Card is a great option for someone who’s looking for a card that has an intro 0% APR on purchases, as well as a large sign-up bonus and great rewards on travel purchases. You’ll get a 0% intro APR for 12 months from account opening on purchases, and a 19.24%, 24.24%, or 29.24% variable APR thereafter.
Check out our Wells Fargo Autograph℠ Card review.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.24% - 27.99% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.24% - 27.99% variable APR applies.
Why we picked this card: The Chase Freedom Unlimited® is a great option if you’re looking for the combination of a solid 0% introductory APR, along with a large amount of cash back with every purchase. It features a bonus on lucrative categories, like dining and drugstores, and you’ll also get 1.5% back on all your other purchases.
Pros | Cons |
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Earn cash back in popular spending categories Intro APR on balance transfers and purchases $0 annual fee Other good benefits, like purchase protection | Other cards have longer intro periods High regular APR Charges a balance transfer fee |
The Chase Freedom Unlimited® comes with a great rewards program, which makes it a valuable card to use past its intro APR period. 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.
You can also earn a 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.
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.
Intro purchase APR: 0% Intro APR on Purchases for 15 months, after which a 19.24% - 27.99% variable APR applies.
Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 19.24% - 27.99% variable APR applies.
Why we picked this card: The Chase Freedom Unlimited® is a great option if you’re looking for the combination of a solid 0% introductory APR, along with a large amount of cash back with every purchase. It features a bonus on lucrative categories, like dining and drugstores, and you’ll also get 1.5% back on all your other purchases.
Pros | Cons |
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Earn cash back in popular spending categories Intro APR on balance transfers and purchases $0 annual fee Other good benefits, like purchase protection | Other cards have longer intro periods High regular APR Charges a balance transfer fee |
The Chase Freedom Unlimited® comes with a great rewards program, which makes it a valuable card to use past its intro APR period. 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.
You can also earn a 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.
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.
Check out our Chase Freedom Unlimited® review.
Intro purchase APR: 0% intro APR for 15 months from account opening, after which a 19.24%, 24.24%, or 29.24% variable APR applies.
Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.24%, 24.24%, or 29.24% variable APR applies.
Why we picked this card: The Wells Fargo Active Cash® Card card is a great option for financing a large purchase, thanks to the combination of its rewards and its long introductory offer. Not only can you earn a large sign-up bonus with your purchase, but you’ll also earn 2% cash back on it. In fact, it’s one of the most rewarding flat-rate cash back credit cards around, making it a good card to keep in the long run.
Pros | Cons |
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High rate of cash back on every purchase Generous sign-up bonus Cellphone protection | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Wells Fargo Active Cash® Card is one of the best options for a cardholder looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
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.
Intro purchase APR: 0% intro APR for 15 months from account opening, after which a 19.24%, 24.24%, or 29.24% variable APR applies.
Intro balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 19.24%, 24.24%, or 29.24% variable APR applies.
Why we picked this card: The Wells Fargo Active Cash® Card card is a great option for financing a large purchase, thanks to the combination of its rewards and its long introductory offer. Not only can you earn a large sign-up bonus with your purchase, but you’ll also earn 2% cash back on it. In fact, it’s one of the most rewarding flat-rate cash back credit cards around, making it a good card to keep in the long run.
Pros | Cons |
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High rate of cash back on every purchase Generous sign-up bonus Cellphone protection | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Wells Fargo Active Cash® Card is one of the best options for a cardholder looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
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.
Check out our Wells Fargo Active Cash® Card review.
Intro purchase APR: 0% Intro APR on Purchases for 12 months, after which an APR of 17.49% - 23.49% variable applies.
Intro balance transfer APR: N/A
Why we picked this card: The Chase Ink Business Cash® Credit Card offers one of the longest intro APRs you’ll find on a business credit card. It has much to offer for a small business owner, including a very generous sign-up bonus and 5% cash back on a lot of common business purchases.
Pros | Cons |
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Valuable welcome bonus Rewards on popular business categories $0 annual fee | No 0% intro APR on balance transfers High spending requirement for the welcome bonus Ownership of a small business is required 5% bonus category capped at $25,000 in purchases per year |
The Ink Business Cash® Credit Card is an outstanding option for small businesses looking for a 0% intro APR. In addition to the introductory APR, you’ll earn the following sign-up bonus: LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, all this comes with unlimited employee cards and a $0 annual fee.
Intro purchase APR: 0% Intro APR on Purchases for 12 months, after which an APR of 17.49% - 23.49% variable applies.
Intro balance transfer APR: N/A
Why we picked this card: The Chase Ink Business Cash® Credit Card offers one of the longest intro APRs you’ll find on a business credit card. It has much to offer for a small business owner, including a very generous sign-up bonus and 5% cash back on a lot of common business purchases.
Pros | Cons |
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Valuable welcome bonus Rewards on popular business categories $0 annual fee | No 0% intro APR on balance transfers High spending requirement for the welcome bonus Ownership of a small business is required 5% bonus category capped at $25,000 in purchases per year |
The Ink Business Cash® Credit Card is an outstanding option for small businesses looking for a 0% intro APR. In addition to the introductory APR, you’ll earn the following sign-up bonus: LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus, all this comes with unlimited employee cards and a $0 annual fee.
Check out our Ink Business Cash® Credit Card review.
Intro purchase APR: 0% intro APR for 15 months on purchases, after which a 18.24% - 28.24% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.24% - 28.24% (variable) APR applies.
Why we picked this card: With the Citi Custom Cash℠ Card, you get 5% cash back on your highest eligible spend category during each billing cycle, up to a total of $500 spent each month. Home improvement is one of the eligible categories — the 5% cash back rate on this category is outstanding and not matched by many other cards.
Pros | Cons |
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Elevated rewards on your top spending category Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods $500 purchase limit on 5% category Other purchases only earn 1% cash back Charges a balance transfer fee |
The Citi Custom Cash℠ Card is best for people looking for a card with a long intro APR and a flexible cash back rate they can use after the period ends. With this 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: 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.
Categories the card selects from to determine your 5% category each month include:
The Citi Custom Cash℠ Card also offers a relatively easy-to-earn sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro purchase APR: 0% intro APR for 15 months on purchases, after which a 18.24% - 28.24% (variable) APR applies.
Intro balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 18.24% - 28.24% (variable) APR applies.
Why we picked this card: With the Citi Custom Cash℠ Card, you get 5% cash back on your highest eligible spend category during each billing cycle, up to a total of $500 spent each month. Home improvement is one of the eligible categories — the 5% cash back rate on this category is outstanding and not matched by many other cards.
Pros | Cons |
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Elevated rewards on your top spending category Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods $500 purchase limit on 5% category Other purchases only earn 1% cash back Charges a balance transfer fee |
The Citi Custom Cash℠ Card is best for people looking for a card with a long intro APR and a flexible cash back rate they can use after the period ends. With this 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: 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.
Categories the card selects from to determine your 5% category each month include:
The Citi Custom Cash℠ Card also offers a relatively easy-to-earn sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Check out our Citi Custom Cash℠ Card review.
Intro purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After that, a 18.24% to 29.24% APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. After that a 18.24% to 29.24% APR applies.
Why we picked this card: If you’re hoping to score a 0% APR offer to help you to cover an unexpected expense, you may not want to wait seven to 10 days for your card to arrive in the mail. With the American Express Cash Magnet® Card, you can get your card number right away (if eligible) and use it to make your purchase as soon as your credit card account is approved.
Pros | Cons |
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Ability to get an instant card number High rate of cash back on all purchases Cash back is easily redeemed for statement credits Large welcome offer $0 annual fee | No bonus spending categories American Express isn’t accepted at as many places as Visa or Mastercard Charges a foreign transaction fee |
The American Express Cash Magnet® Card is great if you need to make a purchase right away, since you can get your card number instantly if you’re eligible. It also comes with $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. Plus, you earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
Intro purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After that, a 18.24% to 29.24% APR applies.
Intro balance transfer APR: 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. After that a 18.24% to 29.24% APR applies.
Why we picked this card: If you’re hoping to score a 0% APR offer to help you to cover an unexpected expense, you may not want to wait seven to 10 days for your card to arrive in the mail. With the American Express Cash Magnet® Card, you can get your card number right away (if eligible) and use it to make your purchase as soon as your credit card account is approved.
Pros | Cons |
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Ability to get an instant card number High rate of cash back on all purchases Cash back is easily redeemed for statement credits Large welcome offer $0 annual fee | No bonus spending categories American Express isn’t accepted at as many places as Visa or Mastercard Charges a foreign transaction fee |
The American Express Cash Magnet® Card is great if you need to make a purchase right away, since you can get your card number instantly if you’re eligible. It also comes with $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. Plus, you earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
Intro purchase APR: 0% Intro APR for 6 months on purchases from the date of account opening. After that, a 17.24% - 26.24% Variable APR will apply.
Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.24% - 26.24% Variable APR applies.
Why we picked this card: The Discover it® Student Cash Back card is the rare card that offers a 0% purchase APR to students with limited credit histories. It also features a great cash back rewards program, in which your cash back for the first year is automatically matched at the end of the year.
Pros | Cons |
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Earn bonus cash back in rotating quarterly categories Unlimited cash back match at the end of the first year for new cardholders May be approved even with no or limited credit history $0 annual fee | Quarterly categories capped at $1,500 in purchases Discover isn’t as widely accepted as Mastercard or Visa, especially overseas Rotating categories require registration each quarter |
As the name suggests, the Discover it® Student Cash Back is a good option for students who have a limited credit history. You can use the card to help build your credit — as you use it responsibly, you can raise your credit score and become eligible for more premium credit cards.
Intro purchase APR: 0% Intro APR for 6 months on purchases from the date of account opening. After that, a 17.24% - 26.24% Variable APR will apply.
Intro balance transfer APR: 10.99% Intro APR for 6 months. After that, a 17.24% - 26.24% Variable APR applies.
Why we picked this card: The Discover it® Student Cash Back card is the rare card that offers a 0% purchase APR to students with limited credit histories. It also features a great cash back rewards program, in which your cash back for the first year is automatically matched at the end of the year.
Pros | Cons |
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Earn bonus cash back in rotating quarterly categories Unlimited cash back match at the end of the first year for new cardholders May be approved even with no or limited credit history $0 annual fee | Quarterly categories capped at $1,500 in purchases Discover isn’t as widely accepted as Mastercard or Visa, especially overseas Rotating categories require registration each quarter |
As the name suggests, the Discover it® Student Cash Back is a good option for students who have a limited credit history. You can use the card to help build your credit — as you use it responsibly, you can raise your credit score and become eligible for more premium credit cards.
Check out our Discover it® Student Cash Back review.
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Why we picked this card: The Capital One SavorOne Cash Rewards Credit Card earns unlimited 3% cash back on dining, groceries, entertainment and popular streaming services. Because of these bonus categories, this can make it a great option if you’re looking for a card to put your wedding expenses on. It also lets you earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening and $0 annual fee.
Pros | Cons |
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Generous cash back on food and entertainment Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee High regular APR |
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, it lacks a foreign transaction fee, making it a fine choice for a vacation abroad (your honeymoon, perhaps?) when you want to sample new and exciting cuisines.
Earn 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.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Intro purchase APR: 0% intro on purchases for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months, after which a 19.24% - 29.24% (variable) APR applies.
Why we picked this card: The Capital One SavorOne Cash Rewards Credit Card earns unlimited 3% cash back on dining, groceries, entertainment and popular streaming services. Because of these bonus categories, this can make it a great option if you’re looking for a card to put your wedding expenses on. It also lets you earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening and $0 annual fee.
Pros | Cons |
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Generous cash back on food and entertainment Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee High regular APR |
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, it lacks a foreign transaction fee, making it a fine choice for a vacation abroad (your honeymoon, perhaps?) when you want to sample new and exciting cuisines.
Earn 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.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Check out our Capital One SavorOne Cash Rewards Credit Card review.
Intro purchase APR: "0% introductory APR for the first 15 billing cycles following account opening". After that, a 14.74% to 26.74% variable APR applies.
Intro balance transfer APR: "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" on balance transfers, then 14.74% to 26.74% variable APR applies.
Why we picked this card: An introductory or temporary 0% APR is great, but if you’re not able to completely pay down your bill by the end of the intro period, you’ll be charged interest at the prevailing rate. The PNC Core® Visa® Credit Card is currently offering an APR of 14.74% to 26.74% variable after your intro period, which is lower than many other cards on this list.
Pros | Cons |
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Generous cash back on food and entertainment Long intro APR on balance transfers and purchases $0 annual fee | No ongoing rewards Balance transfer fee Foreign transaction fee |
The PNC Core® Visa® Credit Card could be the right option for someone who has a balance they know they won’t be able to pay down by the end of the introductory 0% APR period. Because it has a relatively low ongoing APR, you’ll pay less in interest on any balance you’re not able to pay off by the end of the intro period.
Intro purchase APR: "0% introductory APR for the first 15 billing cycles following account opening". After that, a 14.74% to 26.74% variable APR applies.
Intro balance transfer APR: "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" on balance transfers, then 14.74% to 26.74% variable APR applies.
Why we picked this card: An introductory or temporary 0% APR is great, but if you’re not able to completely pay down your bill by the end of the intro period, you’ll be charged interest at the prevailing rate. The PNC Core® Visa® Credit Card is currently offering an APR of 14.74% to 26.74% variable after your intro period, which is lower than many other cards on this list.
Pros | Cons |
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Generous cash back on food and entertainment Long intro APR on balance transfers and purchases $0 annual fee | No ongoing rewards Balance transfer fee Foreign transaction fee |
The PNC Core® Visa® Credit Card could be the right option for someone who has a balance they know they won’t be able to pay down by the end of the introductory 0% APR period. Because it has a relatively low ongoing APR, you’ll pay less in interest on any balance you’re not able to pay off by the end of the intro period.
Intro purchase APR: 0% intro on purchases for 15 months. After that, a 19.24% - 29.24% (Variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months on balance transfers, then a 19.24% - 29.24% (Variable) APR applies.
Why we picked this card: The Capital One VentureOne Rewards Credit Card offers a long 0% introductory APR along with a number of travel benefits including 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. This card also offers a $0 annual fee and no limit or expiration on how many miles you can earn.
Pros | Cons |
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Intro APR offer $0 annual fee Sign-up bonus Simple rewards structure No limit on number of miles earned Redeem rewards for airfare, hotel or travel purchases with no blackout dates | Modest rewards earning rate Balance transfer fee |
The Capital One VentureOne Rewards Credit Card is a great choice for travelers looking to finance their trip and pay it off over a long period of time. The card comes with a 0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). The card also offers a simple rewards structure with a flat rewards rate of 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel and the opportunity to earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Intro purchase APR: 0% intro on purchases for 15 months. After that, a 19.24% - 29.24% (Variable) APR applies.
Intro balance transfer APR: 0% intro on balance transfers for 15 months on balance transfers, then a 19.24% - 29.24% (Variable) APR applies.
Why we picked this card: The Capital One VentureOne Rewards Credit Card offers a long 0% introductory APR along with a number of travel benefits including 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. This card also offers a $0 annual fee and no limit or expiration on how many miles you can earn.
Pros | Cons |
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Intro APR offer $0 annual fee Sign-up bonus Simple rewards structure No limit on number of miles earned Redeem rewards for airfare, hotel or travel purchases with no blackout dates | Modest rewards earning rate Balance transfer fee |
The Capital One VentureOne Rewards Credit Card is a great choice for travelers looking to finance their trip and pay it off over a long period of time. The card comes with a 0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). The card also offers a simple rewards structure with a flat rewards rate of 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel and the opportunity to earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Check out our Capital One VentureOne Rewards Credit Card review.
Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Recommended Credit | Card Review |
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![]() on Bank Of America's secure site
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N/A | Non-rewards card | $0 | 16.24% - 26.24% Variable APR | 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days | 16.24% - 26.24% Variable APR on balance transfers | Excellent/Good | BankAmericard® credit card Review |
![]() on Wells Fargo's secure site
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N/A | None | $0 | 17.24% - 29.24% variable APR | 0% intro APR up to 21 months from account opening on qualifying balance transfers | 17.24% - 29.24% variable APR | Excellent/Good | Wells Fargo Reflect® Card Review |
![]() on U.S. Bank's secure site
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No bonus | None | $0 | 18.99% - 28.99% (Variable) | 0% intro APR for 18 billing cycles on Balance Transfers | 18.99% - 28.99% (Variable) | Excellent/Good | U.S. Bank Visa® Platinum Card Review |
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None | Non-rewards card | $0 | 12.24% to 23.74% variable | 0.00% Introductory APR for the first 15 months that your account is open | 12.24% to 23.74% variable | N/A | Review Coming Soon |
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Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! | 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. | $0 | 19.24% - 27.99% Variable | 0% Intro APR on Balance Transfers for 15 months | 19.24% - 27.99% Variable | Excellent/Good | Chase Freedom Flex℠ Review |
on Chase's secure site
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N/A | N/A | $0 | 19.24% - 27.99% Variable | 0% Intro APR on Balance Transfers for 18 months. | 19.24% - 27.99% Variable | Excellent/Good | Chase Slate Edge℠ Review |
on Capital One's secure site
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One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $0 | 19.24% - 29.24% (Variable) | 0% intro on balance transfers for 15 months | 19.24% - 29.24% (Variable) | Excellent/Good | Capital One Quicksilver Cash Rewards Credit Card Review |
![]() on Wells Fargo's secure site
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Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases | $0 | 19.24%, 24.24%, or 29.24% variable APR | N/A | 19.24%, 24.24%, or 29.24% variable APR | Excellent/Good | Wells Fargo Autograph℠ Card Review |
![]() on Chase's secure site
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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. | 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 | $0 | 19.24% - 27.99% Variable | 0% Intro APR on Balance Transfers for 15 months | 19.24% - 27.99% Variable | Excellent/Good | Chase Freedom Unlimited® Review |
![]() on Wells Fargo's secure site
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Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months | Earn unlimited 2% cash rewards on purchases | $0 | 19.24%, 24.24%, or 29.24% variable APR | 0% intro APR for 15 months from account opening on qualifying balance transfers | 19.24%, 24.24%, or 29.24% variable APR | Excellent/Good | Wells Fargo Active Cash® Card Review |
![]() on Chase's secure site
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LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. | $0 | 17.49% - 23.49% Variable | N/A | 17.49% - 23.49% Variable | Excellent | Ink Business Cash® Credit Card Review |
on Citibank's secure site
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | 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. | $0 | 18.24% - 28.24% (Variable) | 0% intro APR for 15 months on balance transfers | 18.24% - 28.24% (Variable) | Excellent/Good | Citi Custom Cash℠ Card Review |
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$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 | $0 | 18.24% to 29.24% | 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. | 18.24% to 29.24% | Excellent/Good | American Express Cash Magnet® Card Review |
![]() on Discover's secure site
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Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. | 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically | $0 | 17.24% - 26.24% Variable APR | 10.99% Intro APR for 6 months | 17.24% - 26.24% Variable APR | Fair/Limited | Discover it® Student Cash Back Review |
on Capital One's secure site
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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | 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 | $0 | 19.24% - 29.24% (Variable) | 0% intro on balance transfers for 15 months | 19.24% - 29.24% (Variable) | Excellent/Good | Capital One SavorOne Cash Rewards Credit Card Review |
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N/A | N/A | $0 | 14.74% to 26.74% variable | "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" | 14.74% to 26.74% variable | Excellent/Good | Review Coming Soon |
on Capital One's secure site
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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel | 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel | $0 | 19.24% - 29.24% (Variable) | 0% intro on balance transfers for 15 months | 19.24% - 29.24% (Variable) | Excellent/Good | Capital One VentureOne Rewards Credit Card Review |
0% intro APR for purchases
A card offering a 0% intro APR on new purchases, waives the interest for a certain period time on new charges to your account. This can be helpful when you need time to pay off a big-ticket item or project, such as remodeling a bathroom or fixing your car’s transmission.
Once the intro period expires, any balance remaining will be subject to the ongoing APR.
0% intro APR for balance transfers
A balance transfer card allows you a break from interest charges while you pay off debt transferred from another credit card. This can allow you to pay down debt faster, since 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.
A long 0% intro APR period can last from 12 to 21 months. If you have a good or excellent credit score, you can likely qualify for a card with a longer intro APR.
Below are the most common lengths for intro APR periods, whether you’re financing a large purchase or transferring a balance.
You should only consider getting a 0% APR card if you have a payment plan in place and are disciplined enough to pay down your balance.
A 0% APR credit card can be a good option if you have a large purchase coming up, or if you’re carrying a balance on a card that is charging you interest. However, 0% APR cards have some risks, especially if you are planning to finance a new purchase with a credit card. Since 0% APR cards only require you to pay a minimum amount due each month and don’t usually enforce a payment schedule, it can be tempting not to pay off your balance. If you don’t pay off your balance before the introductory period expires, you could end up paying a high amount of interest on your remaining balance.
Since 0% APR cards only require you to pay a minimum amount due each month and don’t usually enforce a payment schedule, it can be tempting not to pay off your balance. But if you don’t pay off your balance before the introductory period expires, you could end up paying a high amount of interest on your remaining balance.
A 0% APR card probably isn’t right for you if you want to earn rewards. Many 0% intro APR cards have limited to no rewards, since they’re often used just for the purpose of transferring a balance or financing a big purchase. If you want to earn cash back or travel points, opt for a rewards credit card instead.
You also shouldn’t get a no-interest credit card if you don’t have any trouble paying off your balances in full and on time. If you do pay off your balance every month, then you don’t need to worry about your APR — and you can find cards with more robust earning rates and features.
When applying for a card, make sure that it’s a true 0% intro offer and not a deferred interest offer. A true 0% introductory offer charges no interest during the intro period, and then interest only on any outstanding balance once the intro offer is over. With a deferred interest offer, if you don’t completely pay off the balance by the end of the introductory period, you’ll be charged interest on the total amount. All of the cards in our list above are true 0% APR credit cards.
If you want more benefits than credit cards with no-interest periods offer, but you also don’t want a card with a high interest rate, then a low interest credit card might be a better fit.
According to LendingTree data, the average credit card interest rate is 22.91%. The credit cards below have APRs that are potentially lower than that.
Since interest rates are usually variable, they’re listed as a range — and factors including your credit score could impact the APR you end up with. If you have a good credit score, you’ll usually qualify for a lower APR.
The information related to the Lake Michigan Credit Union Prime Platinum, the DCU Visa® Platinum Credit Card and the PNC Visa® Business 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.
Determine if you can qualify for a 0% APR credit card
It’s important to keep in mind that those typically approved for the best credit cards are people with good or excellent credit. So before you apply for a 0% APR credit card, you’ll first need to figure out if you are likely to receive approval. If your credit score is poor or fair, you might want to first consider our list of the best cards for fair credit and the best credit cards for bad credit. Unfortunately, if your credit score is too low, you may not qualify for a 0% APR offer.
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Search for cards with longer introductory periods
There’s often a tradeoff between rewards you can earn with a credit card and cards that have the longest introductory periods. The cards with the longest 0% intro APR offers can often have lower rewards and sign-up bonuses (or even none at all). Take a look at the length of the introductory offer as compared to the sign-up bonus or rewards offered on other cards to choose the card that is the best fit for your specific situation.
Factor in the value of the sign-up bonus (if you can earn it)
Many credit cards with 0% APR offers also offer sign-up bonuses of hundreds of dollars that can help pay off your purchase, so it may make sense to seek out cards that offer bonuses. While most cards with no annual fee offer either no sign-up bonus or a sign-up bonus in the range of $150 to $200, some cards do offer higher welcome bonuses.
Find rewards that match your spending patterns
While some cards offer a flat rewards rate on all purchases, other credit cards offer bonus rewards in certain spending categories. Match up the type of purchase(s) you’ll be financing with cards that offer bonus rewards on those purchases to help you earn extra rewards. You should also consider bonus categories that match your regular spending categories if you intend to keep the card after the intro offer expires.
Popular bonus categories: Groceries, restaurants, gas
Your intro APR period has an expiration date — so make sure you can budget for payments before you apply for a 0% intro APR card. This can help you avoid spilling payments past your intro APR period, which may cause you to pay more in interest.
If you’re using your no interest card to finance a big purchase, the timing of your application is important. It’s best to apply for a card close to or right before you make your big purchase. That way, you’ll be able to use the entirety of the card’s intro APR period to pay it off. If you get your credit card too far in advance of your big purchase, you may waste some of the months of the intro 0% APR period.
Depending on the card and your financial situation, you may maximize the card’s value by taking advantage of its rewards rate and sign-up bonus. Some cards, like the Wells Fargo Autograph Card, have a long intro APR period in addition to a valuable sign-up bonus and rewards rate.
The Wells Fargo Autograph℠ Card has 0% intro APR for 12 months from account opening on purchases. After, a 19.24%, 24.24%, or 29.24% variable APR applies. But it also has the following sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Other cards, like the Wells Fargo Reflect® Card, have solid intro APR periods but no rewards or sign-up bonuses.
In the case you have to carry a balance past your intro APR period, take a look at the regular APR range for your card. If it has a high maximum APR and your credit isn’t good or excellent, then you may want to apply for a card with a lower cap.
There are several important features to consider when deciding what is the best 0% APR credit card for your specific situation:
Once you’ve decided to apply for a 0% APR credit card, you can follow these simple steps:
You can review our list of seven steps to apply for a credit card for additional information.
For most credit cards, you’re unlikely to be able to extend the 0% introductory period. Once the intro period is over, you’ll start paying the regular APR on any outstanding balance. One card where you can get a small extension is the Wells Fargo Reflect card — with that card, you can get three extra months if you make consistent on-time payments during your introductory period.
No. The longest intro APR period among cards currently available on LendingTree and major issuers is 21 months.
A purchase APR is the APR that applies to any balance you carry from the things you buy using the card, as opposed to transferring a balance onto your card. It’s common for cards to have the same APRs for both purchases and balance transfers, though sometimes they differ.
If a card says it has a 0% APR, that means any balance you carry on the card won’t be charged interest. Cards may offer 0% interest on purchases, balance transfers or both. This benefits you by giving you more time to pay off your balance without having to worry about accruing interest. Just be aware that you may lose the card’s intro 0% APR period if you make late payments.
A variable APR means that a card offers a range for your possible APR. There are several factors that can affect which APR you’ll receive — but you’ll usually end up with a higher APR if you have a lower credit score. If, however, you pay off your balance in full every month, then you don’t have to worry about what your APR is.
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.
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 like cellphone protection.
Finally, none of the credit cards on this list charge an annual fee.
Kristen Grau is a staff writer at LendingTree, where she focuses on credit cards.
Before joining LendingTree in 2022, she wrote about small business taxes for an accounting firm in Orlando. She’s also covered personal finance and credit topics for the personal finance site Debt.com, as well as student finance topics for the education site BestColleges.com. Kristen loves to help people make financial decisions through content that’s empowering and easy to understand.
Kristen studied journalism at Florida Atlantic University.
Read MoreThe above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.