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Best 0% APR Credit Cards for Long Intro Periods — December 2021

*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 November 30, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

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.

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 12.99%-24.99% 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 12.99%-24.99% 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 12.99%-24.99% 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 12.99%-24.99% 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 12.99%-24.99% 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 14.74% - 24.74% (Variable)

The Citi Simplicity® Card comes with a stellar intro 0% for 21 months on balance transfers, after which a 14.74% - 24.74% (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 14.74% - 24.74% (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 14.74% - 24.74% (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 14.74% - 24.74% (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 13.74% - 23.74% (Variable)

With the Citi® Diamond Preferred® Card, cardholders get an intro APR of 0% for 21 months on balance transfers, after which a 13.74% - 23.74% (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 13.74% - 23.74% (variable) APR applies). 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 13.74% - 23.74% (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 13.74% - 23.74% (variable) APR applies). 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 14.49% - 24.49%* (Variable)

The U.S. Bank Visa® Platinum Card offers an outstanding 0% intro APR for 20 billing cycles on Purchases* (a 14.49% - 24.49%* (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 14.49% - 24.49%* (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 prefer one of the other cards on this list, 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 14.49% - 24.49%* (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 14.49% - 24.49%* (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 prefer one of the other cards on this list, 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

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card

Apply Now
on Citibank's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 13.99% – 23.99% (Variable)

The Citi® Double Cash Card lets you enjoy an intro 0% for 18 months on balance transfers; after that, a 13.99% – 23.99% (variable) APR applies.

The balance transfer is a reasonable There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

There’s no intro APR period on purchases, and the regular purchase APR is 13.99% – 23.99% (variable).

Cardholders with the Citi® Double Cash Card earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

While the annual fee is $0, beware of the card’s 3% foreign transaction fee.

Sometimes, a balance transfer credit card winds up in your sock drawer. You open it, pay down your transferred balance and have no reason to use it ever again. That’s not the case with the Citi® Double Cash Card — it earns a top-of-the-line flat cash back rate on every purchase.

While we don’t recommend using a card for new purchases while also paying down a balance you’ve transferred to it, we do recommend keeping the Citi® Double Cash Card in your wallet to earn cash back on everyday spending after you’ve paid off the balance transfer.

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

The Citi® Double Cash Card lets you enjoy an intro 0% for 18 months on balance transfers; after that, a 13.99% – 23.99% (variable) APR applies.

The balance transfer is a reasonable There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

There’s no intro APR period on purchases, and the regular purchase APR is 13.99% – 23.99% (variable).

Cardholders with the Citi® Double Cash Card earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

While the annual fee is $0, beware of the card’s 3% foreign transaction fee.

Sometimes, a balance transfer credit card winds up in your sock drawer. You open it, pay down your transferred balance and have no reason to use it ever again. That’s not the case with the Citi® Double Cash Card — it earns a top-of-the-line flat cash back rate on every purchase.

While we don’t recommend using a card for new purchases while also paying down a balance you’ve transferred to it, we do recommend keeping the Citi® Double Cash Card in your wallet to earn cash back on everyday spending after you’ve paid off the balance transfer.

  • Use your card with Apple Pay®, Google Pay™ and Samsung Pay
  • Citi Entertainment® offers special access to concerts, sporting events and more
BankAmericard<sup><sup>®</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 12.99% - 22.99% Variable APR

Get a 0% Intro APR for 18 billing cycles for purchases, after which a 12.99% - 22.99% 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 12.99% - 22.99% Variable APR 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.

  • Free access to your FICO® Score 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 12.99% - 22.99% 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 12.99% - 22.99% Variable APR 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.

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

Best For Up to 15 months of 0% intro APR

Wells Fargo Active Cash℠ 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 14.99%-24.99% (Variable)

Enjoy a 0% intro APR for 15 months from account opening, after which a 14.99%-24.99% (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 14.99%-24.99% (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.

  • Cell phone 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 14.99%-24.99% (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 14.99%-24.99% (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.

  • Cell phone 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® 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 14.99% - 24.99% (Variable)

The Capital One Quicksilver Cash Rewards Credit Card offers a 0% intro on purchases for 15 months, after which a 14.99% - 24.99% (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.

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® 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 14.99% - 24.99% (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.

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® 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 14.99% - 24.74% Variable

Cardholders get a 0% Intro APR on Purchases for 15 months with the Chase Freedom Flex℠. After the intro period ends, a 14.99% - 24.74% variable APR applies.

Plus, the card offers a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 14.99% - 24.74% 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. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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

For ongoing rewards, earn 5% cash back on eligible purchases in rotating categories, 5% 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
  • Cell phone 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)
  • Complimentary three months of DashPass (you’ll be automatically enrolled at 50% off for the subsequent nine months) when you activate by Dec. 31, 2021
  • Earn 5% cash back on Lyft rides through March 2022
  • Take three Lyft rides in one calendar month and earn a $5 Lyft credit
  • Get a $5 Fandango Reward after spending $20 at Fandango or on Fandango’s streaming service
  • 5% back toward your next HelloFresh delivery after purchasing a HelloFresh meal kit delivery plan
  • Complimentary one-year membership in ShopRunner (enrollment required) which offers free two-day shipping on eligible purchases

Cardholders get a 0% Intro APR on Purchases for 15 months with the Chase Freedom Flex℠. After the intro period ends, a 14.99% - 24.74% variable APR applies.

Plus, the card offers a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 14.99% - 24.74% 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. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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

For ongoing rewards, earn 5% cash back on eligible purchases in rotating categories, 5% 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
  • Cell phone 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)
  • Complimentary three months of DashPass (you’ll be automatically enrolled at 50% off for the subsequent nine months) when you activate by Dec. 31, 2021
  • Earn 5% cash back on Lyft rides through March 2022
  • Take three Lyft rides in one calendar month and earn a $5 Lyft credit
  • Get a $5 Fandango Reward after spending $20 at Fandango or on Fandango’s streaming service
  • 5% back toward your next HelloFresh delivery after purchasing a HelloFresh meal kit delivery plan
  • Complimentary one-year membership in ShopRunner (enrollment required) which offers free two-day shipping on eligible purchases
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 14.99% - 24.74% Variable

This card offers a 0% Intro APR on Purchases for 15 months, after which a 14.99% - 24.74% 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 14.99% - 24.74% 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 a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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

For ongoing rewards, earn 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, 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)
  • Complimentary three months of DashPass (you’ll be automatically enrolled at 50% off for the subsequent nine months) when you activate by Dec. 31, 2021
  • Earn 5% cash back on Lyft rides through March 2022

This card offers a 0% Intro APR on Purchases for 15 months, after which a 14.99% - 24.74% 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 14.99% - 24.74% 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 a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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

For ongoing rewards, earn 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, 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)
  • Complimentary three months of DashPass (you’ll be automatically enrolled at 50% off for the subsequent nine months) when you activate by Dec. 31, 2021
  • Earn 5% cash back on Lyft rides through March 2022
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 13.99%-23.99% Variable

The Blue Cash Everyday® Card from American Express offers an intro 0% on purchases for 15 months, after which a 13.99%-23.99% Variable APR applies. For the welcome offer, you can earn $200 back 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 and at select U.S. department stores. 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)
  • 24/7 Global Assist® Hotline when traveling 100 or more miles from home
  • 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 13.99%-23.99% Variable APR applies. For the welcome offer, you can earn $200 back 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 and at select U.S. department stores. 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)
  • 24/7 Global Assist® Hotline when traveling 100 or more miles from home
  • Special access to events and ticket presales with American Express Experiences
  • ShopRunner membership (enrollment required)

*Terms apply

Capital One SavorOne Cash Rewards Credit Card

SavorOne

Apply Now
on Capital One's secure site
Intro Purchase APR 0% intro on purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 24.99% (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 14.99% - 24.99% (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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.

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

For foodies and entertainment aficionados, the SavorOne 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 14.99% - 24.99% (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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.

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

For foodies and entertainment aficionados, the SavorOne 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

Best For Up to 14 months of 0% intro APR

Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 14 months
Annual Fee $0
Regular Purchase APR 11.99% - 22.99% Variable APR

Enjoy an intro 0% Intro APR for 14 months on balance transfers, after which a 11.99% - 22.99% 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 14 months on purchases. After that time, a 11.99% - 22.99% 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 at different places each quarter up to the quarterly maximum when you activate, 1% unlimited 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 14 months on balance transfers, after which a 11.99% - 22.99% 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 14 months on purchases. After that time, a 11.99% - 22.99% 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 at different places each quarter up to the quarterly maximum when you activate, 1% unlimited 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.

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)
  • Cell phone protection

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)
  • Cell phone protection
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 14.99% - 23.99%* (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 14.99% - 23.99%* (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 14.99% - 23.99%* (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 food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 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 14.99% - 23.99%* (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 14.99% - 23.99%* (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 food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 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 12.99%-24.99% Variable APR applies. 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 12.99%-24.99% Variable APR applies.
Citi Simplicity® Card0% for 12 months on purchases, after which a 14.74% - 24.74% (variable) APR applies. 0% for 21 months on balance transfers, after which a 14.74% - 24.74% (variable) APR applies.
Citi® Diamond Preferred® Card0% for 12 months on purchases, after which a 13.74% - 23.74% (variable) APR applies. 0% for 21 months on balance transfers, after which a 13.74% - 23.74% (variable) APR applies.
U.S. Bank Visa® Platinum Card0% intro APR for 20 billing cycles on Purchases*, after which a 14.49% - 24.49%* (variable) APR applies. 0% intro APR for 20 billing cycles on Balance Transfers*, after which a 14.49% - 24.49%* (variable) APR applies.
Citi® Double Cash Card – 18 month BT offer0% for 18 months on balance transfers, after which a 13.99% – 23.99% (variable) APR applies.
BankAmericard® credit card0% Intro APR for 18 billing cycles for purchases, after which a 12.99% - 22.99% Variable APR applies. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, after which a 12.99% - 22.99% Variable APR applies.
Wells Fargo Active Cash℠ Card0% intro APR for 15 months from account opening, after which a 14.99%-24.99% (variable) APR applies. 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 14.99%-24.99% (variable) APR applies.
Capital One Quicksilver Cash Rewards Credit Card0% intro on purchases for 15 months, after which a 14.99% - 24.99% (variable) APR applies.
Chase Freedom Flex℠0% Intro APR on Purchases for 15 months, after which a 14.99% - 24.74% variable APR applies.
Chase Freedom Unlimited®0% Intro APR on Purchases for 15 months, after which a 14.99% - 24.74% variable APR applies.
Blue Cash Everyday® Card from American Express0% on purchases for 15 months, after which a 13.99%-23.99% variable APR applies.
Capital One SavorOne Cash Rewards Credit Card0% intro on purchases for 15 months, after which a 14.99% - 24.99% (variable) APR applies.
Discover it® Cash Back0% Intro APR for 14 months on purchases, then a 11.99% - 22.99% Variable APR applies. 0% Intro APR for 14 months on balance transfers, then a 11.99% - 22.99% Variable APR 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 14.99% - 23.99%* (variable) APR applies. 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, after which a 14.99% - 23.99%* (variable) APR applies.

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

When to use 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. 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

Overview

Glen Luke Flanagan covers credit card news for LendingTree.com. He joined the team in June 2019. His work ranges from reviews of new cards to in-depth pieces on protecting your financial information, and his background is in journalism and government communications. 

Experience

As a journalist in North Carolina and South Carolina, Glen covered topics including city government, state government, local businesses, public safety and more. During his time at The State newspaper, Glen’s work appeared on the websites of newspapers across the United States owned by The McClatchy Company. His reporting at The News Herald and The State newspaper won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Education

Glen earned his B.A. in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. After graduation, he participated in a Dow Jones News Fund training and internship. Out of more than 600 applicants, only 86 were accepted into the DJNF program that summer. He was later one of approximately two dozen fellows selected from journalists across the country to participate in the University of South Carolina’s 2016 Media Law School, which was sponsored by the American Board of Trial Advocates. This program gave fellows an intensive crash course in public records, bankruptcy law, podcasts and more.

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.