Daily Deal
Card comparisons

Best 0% intro APR credit cards

Compare purchase and balance-transfer intro windows — length, transfer fees, and the go-to rate after the promo ends.

3 cards compared · Updated Jul 27, 2026

Daily Deal may earn a commission from partner links, at no extra cost to you. Offers and terms can change — always confirm details on the issuer’s site before applying. Advertising disclosure

  1. Best 0% Intro APR and Balance Transfer Card

    Wells Fargo Reflect® Card

    0% Intro APR Credit Cards

    Long interest-free windows on both purchases and qualifying balance transfers pair with zero yearly cost and basic cell-phone coverage.

    Intro APR
    Purchases: 0%, 21 months from account opening Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
    Regular APR
    17.49%, 23.99%, or 28.24% Variable
    Annual Fee
    $0
    Star Rating
    4.9
    • 0% intro APR lasts 21 months on purchases and qualifying balance transfers
    • $0 annual fee
    • Up to $600 cell phone protection subject to $25 deductible
    • Regular APR options of 17.49%, 23.99%, or 28.24% Variable
  2. Best for Balance Transfers

    Citi Simplicity® Card

    0% Intro APR Credit Cards

    Extended zero-interest periods on purchases and balance transfers come with no late fees, no penalty rate, and no annual fee.

    Intro APR
    Purchases: 0%, 18 months from date of account opening Balance Transfers: 0%, 18 months from date of account opening
    Regular APR
    17.49% - 28.24% (Variable)
    Annual Fee
    $0
    Star Rating
    4.5
    • 0% intro APR for 18 months on purchases and balance transfers
    • Balance transfer fee of 3% (min $5) within first 4 months
    • No late fees or penalty rate ever
    • Regular APR 17.49% - 28.24% (Variable)
  3. Best Intro Purchase APR Card

    U.S. Bank Shield™ Visa® Card

    0% Intro APR Credit Cards

    Lengthy 0% intro periods on purchases and balance transfers combine with modest cash-back categories and cell-phone protection at no annual fee.

    Intro APR
    Purchases: 0%, 21 billing cycles Balance Transfers: 0%, 21 billing cycles
    Regular APR
    16.99% - 27.99% Variable
    Annual Fee
    $0
    Star Rating
    4.9
    • 0% intro APR for 21 billing cycles on purchases and balance transfers
    • 4% cash back on prepaid air, hotel and car reservations booked in the Travel Center
    • Up to $600 cell phone protection
    • Regular APR 16.99% - 27.99% Variable

More card types

Browse other credit card guides

All credit cards
GuideTravelView cards GuideCash backView cards GuideStudentView cards GuideCredit builderView cards GuideBusinessView cards