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Many 0% intro APR credit cards provide a valuable opportunity for you to pay off balances or finance new expenses, interest-free, helping you save money and manage monthly payments.
We’ve analyzed several credit cards that offer 0% intro APRs, focusing on the duration of their promotional terms, regular APRs, fees and additional benefits. Whether you’re looking to consolidate debt or make a significant purchase, these cards Money’s top picks.
Read on for the best 0% intro APR credit cards and how to choose one for your needs.
Our Top Picks for the Best 0% Intro APR Credit Cards of 2026
All rates and data are current as of Feb. 24, 2026.
Best 0% Intro APR Credit Cards Reviews
Why we chose it: The Discover it Cash Back card offers 15 months of 0% APR, no annual fee and no foreign transaction fee.
Following the 0% introductory APR period, the card’s APRs range from 17.49% to 26.49%. Discover it Cash Back features 5% cash back that rotates quarterly (grocery stores, restaurants, gas stations and big box stores are eligible, among others) and 1% on all other purchases.
Discover it Cash Back also features a $1-to-$1 match from the day a new account is approved through the first 12 consecutive billing cycles or 365 days — whichever is longer.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Blue Cash Everyday Card from American Express features 3% on groceries (up to $6,000 per year), online retail purchases (up to $6,000 per year) and gas (up to $6,000 per year), with 1% cash back on all other purchases.
The card offers a sign-up bonus of $200 after new customers spend $2,000 in the first six months after opening an account. In addition to not charging an annual fee, the Blue Cash Everyday Card from American Express offers an introductory APR of 0% for 15 months for new purchases and balance transfers. APRs for the Blue Cash Everyday Card range from 19.49% to 28.49%.
The card’s foreign transaction fee is 2.70%, and there is a $5 or 3% balance transfer fee (whichever is higher). But the Blue Cash Everyday Card offers attractive perks, including car rental coverage, emergency travel assistance and an $84 annual credit for DisneyPlus.com, Hulu.com or Stream.ESPN.com U.S. websites.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Citi Simplicity Card offers an extra-long 21 months of 0% APR on balance transfers and no annual fee.
This card has a standout promotional APR period on balance transfers of nearly two years; for balance transfers within the first four months, a promotional balance transfer fee of the greater of $5 or 3% applies. Customers also get 0% APR on purchases for the first 12 months. Regular APRs range from 17.49% to 28.24% (variable), and the non-promotional balance transfer fee is the greater of $5 or 5%.
While the Citi Simplicity doesn’t offer rewards, it has other benefits cardholders might find appealing, including no late fees and no penalty APR (although there is a 3% foreign transaction fee).
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Chase Freedom Flex Credit Card lets cardholders earn up to 5% cash back in rotating categories with no annual fee.
This card offers a 15-month 0% APR promotion on purchases and balance transfers, after which cardholders pay a variable APR of 18.24% to 27.74%. For the first 60 days, balance transfer fees are the greater of $5 or 3%, rising to $5 or 5% after that.
New Freedom Flex customers can earn $200 in bonus cash back after spending $500 within the first three months of opening the account. Cardholders can earn 5% cash back up to a combined $1,500 on rotating quarterly categories. Cash back rates are 5% for Chase Travel (although the card has a 3% foreign transaction fee), 3% on dining and drugstore purchases and 1% everywhere else. Other perks include cell phone protection and extended warranty coverage.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Chase Freedom Unlimited Credit Card provides up to $6,000 in trip protection for covered circumstances, plus 15 months of 0% APR and no annual fee.
The Freedom Unlimited card offers $200 in bonus cash back after spending $500 within the first three months. The regular variable APR range is 18.24% to 27.74%. Balance transfers are the greater of $5 or 3% for the first 60 days, then $5 or 5%, and there is a 3% foreign transaction fee.
Along with 5% cash back on Chase Travel, the Freedom Unlimited Card offers travel protection. If your trip is canceled or cut short in the event of sickness, severe weather or another covered situation, you can be reimbursed up to $1,500 per person and $6,000 per trip for pre-paid, nonrefundable fares. Other reward multipliers include 5% cash back up to a combined $1,500 on rotating quarterly categories, 3% on dining and drugstore purchases and 1% everywhere else.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: Bank of America’s Susan G. Komen Customized Cash Rewards Visa Card lets cardholders earn a $200 sign-up bonus plus up to 6% cash back in the first year with no annual fee.
The card has a 15-month 0% APR promo on both purchases and balance transfers. There’s an introductory 3% balance transfer fee for the first 60 days. The regular (variable) APR range is 17.49% to 27.49%, and the balance transfer fee is 5%. This card also has a 3% foreign transaction fee.
New cardholders can get $200 in cash back with $1,000 in purchases on the card within the first 90 days. The card also offers accelerated first-year rewards, with 6% cash back (3% in subsequent years) in a category of their choice on the first $2,500 in combined purchases each quarter. It earns 2% cash back at grocery stores and wholesale clubs, and 1% everywhere else.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The U.S. Bank Triple Cash Rewards Visa Business Card offers 12 months of 0% APR on purchases and balance transfers, plus business perks and no annual fee.
This card’s 12-month 0% APR applies to both purchases and balance transfers made within 30 days; the balance transfer fee is the greater of $5 or 5%. After the promotional period, cardholders get a regular variable APR of 17.24% to 26.24%. There is a 3% foreign transaction fee.
New cardholders can earn a sign-up bonus of $750 by purchasing at least $6,000 within 180 days. This card offers 3% cash back on spending at office supply stores, cell phone service providers and restaurants, and on transactions of up to $200 at gas and EV charging stations. There’s a rewards rate of 1% cash back everywhere else, plus a $100 yearly credit on business software.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Wells Fargo Reflect Visa Card offers 21 months of 0% interest on both purchases and balance transfers.
This card has one of the longest 0% intro APR periods on the market today, although the 5% balance transfer fee is on the higher side. After the intro period ends, cardholders can expect a regular variable APR of 17.49%, 23.99% or 28.24%. There is a 3% foreign transaction fee.
The appeal of this straightforward card is its extremely long 0% balance transfer period of nearly two years. It has no rewards program, although it also doesn’t charge an annual fee. Cardholders also get up to $600 in cell phone protection if their device is damaged or stolen.
Terms apply. Please click here for applicable rates and fees.
Best 0% Intro APR Credit Cards FAQs
What credit card has the longest 0% APR?
The Wells Fargo Reflect® Card currently offers one of the longest 0% intro APR periods available, providing 21 months of interest-free financing on both purchases and qualifying balance transfers. This offer gives cardholders nearly two years to pay off large expenses or consolidate debt without incurring interest. However, it’s essential to note that after the intro period ends, a variable APR applies based on your creditworthiness.
Is it worth getting a 0% credit card?
Yes, a 0% intro APR credit card can be highly beneficial, particularly if you plan to make a large purchase or transfer a high-interest balance. These cards allow you to pay off balances over time without accruing interest, which can lead to significant savings. However, to maximize their benefits, it’s crucial to pay off the balance before the promotional period ends to avoid interest charges on any remaining amount.
No. Getting a 0% APR credit card does not inherently hurt your credit score. In fact, responsible use — like making on-time payments and keeping your credit utilization low — can help improve your credit over time. However, applying for a new credit card results in a hard inquiry on your credit report, which may cause a slight, temporary dip in your score. Additionally, if you accumulate too much debt and fail to pay it off before the intro APR expires, it could negatively impact your credit utilization ratio and overall score.
What happens when a 0% APR period ends?
Once the 0% intro APR period expires, any remaining balance on your credit card will begin accruing interest at the card’s standard variable APR. This rate is typically based on your creditworthiness at the time of application. To avoid paying interest, it’s best to pay off your balance before the introductory period ends.
Can you transfer a balance from one 0% APR card to another?
Yes, some cardholders choose to transfer a balance from one 0% APR credit card to another to extend their interest-free period. However, most balance transfers come with a fee (typically 3% to 5% of the transferred amount). Additionally, opening multiple new accounts within a short time frame can impact your credit score, so weigh the potential benefits against the costs.
How We Chose the Best 0% Intro APR Credit Cards of 2026
The best 0% introductory or low interest credits carry lower APRs for new cardholders, balance transfers and other promotions. We rate them based on the length of introductory and low interest rates, sign-up bonus value, rewards and other perks and fees.
| Intro or Low APR Length | Fees | Sign-Up Bonus/Promos | Other Benefits |
| 40% | 30% | 20% | 10% |
- Introductory or Low APR: Long 0% APR periods for balance transfers or purchases.
- Fees: Preference for cards with low or no fees.
- Sign-Up Bonus/Promos: Other sign-up bonuses or promos for new cardholders.
- Other Benefits: Benefits for low interest cards are rare but when they do exist, add value.
Read our full methodology here.
Summary of Money’s 0% Intro APR Credit Cards of 2026
Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
To see rates and fees for the American Express® Gold Card, visit this link. Terms apply.
To see rates and fees for American Express Platinum Card®, visit this link. Terms apply.
* Insurance disclosures for American Express Cards on this page:
Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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