0% APR

Pay down debt or fund large purchases without the extra cost. With a 0% intro APR credit card, you can skip interest charges for up to 21 months and become debt-free faster. We’ve compared the top interest-free and balance transfer cards from our partners to help you find the maximum savings.

1
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card

Built around an extended 0% intro APR period, this card helps cardholders manage large purchases or balances without interest for nearly two years.

  • 0% intro APR for 21 months from account opening
  • No annual fee
  • Ideal for consumers who may carry a balance
  • Recommended credit score 670-850 (Good to Excellent)
9.6
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More Details:
Intro APR0% intro APR for 21 months
Regular APR17.49%, 23.99%, or 28.24% Variable
Annual Fee$0
Recommended Credit Score670-850 (Good to Excellent)
2Best for Saving Money on Interest
BankAmericard® credit card
BankAmericard® credit card

A no-frills, no-rewards card built for balance transfers and financing large purchases, with one of the longest 0% intro APR periods available.

  • 0% Intro APR for 21 billing cycles
  • No annual fee and no penalty APR
  • Best paired with a rewards card once the intro period ends
  • Recommended credit score 670-850 (Good to Excellent)
9.4
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More Details:
Intro APR0% Intro APR for 21 billing cycles
Regular APR14.99% - 25.99% Variable
Annual Fee$0
Recommended Credit Score670-850 (Good to Excellent)
3
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card

Pairs a 0% intro APR period with travel rewards, earning bonus miles on Capital One Travel bookings and unlimited miles on every other purchase.

  • 0% intro APR for 15 months
  • No annual fee
  • 5X miles on hotels and rental cars booked through Capital One Travel
  • 1.25X unlimited miles on every other purchase
  • Recommended credit score 670-850 (Good to Excellent)
9.2
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More Details:
Intro APR0% intro APR for 15 months
Regular APR18.49% - 28.49% Variable
Annual Fee$0
Recommended Credit Score670-850 (Good to Excellent)
Rewards Rate5X miles on Capital One Travel, 1.25X miles on all other purchases
4
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

A solid choice for paying down debt or financing a large purchase, with separate long 0% intro periods for balance transfers and purchases.

  • 0% intro APR for 21 months on balance transfers and 12 months on purchases
  • No annual fee
  • Built for consumers focused on managing existing balances
  • Recommended credit score 670-850 (Good to Excellent)
8.8
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More Details:
Intro APR0% for 21 months on balance transfers & 12 months on purchases
Regular APR16.49% - 27.24% Variable
Annual Fee$0
Recommended Credit Score670-850 (Good to Excellent)
5
Chase Slate®
Chase Slate®

A straightforward option for paying down an existing balance, offering a long 0% intro APR period plus useful purchase protections.

  • 0% Intro APR for 21 months
  • No annual fee
  • Chase Pay Over Time flexible payment feature
  • Zero liability and purchase protection benefits
  • Recommended credit score 690-850 (Good to Excellent)
8.6
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More Details:
Intro APR0% Intro APR for 21 months
Regular APR18.24% - 28.24% Variable
Annual Fee$0
Recommended Credit Score690-850 (Good to Excellent)
6
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Combines a 0% intro APR period with everyday cash back at U.S. supermarkets, online retailers, and gas stations.

  • 0% Intro APR for 15 months
  • No annual fee
  • 3% cash back at U.S. supermarkets, up to $6,000/year, then 1%
  • 3% cash back on U.S. online retail purchases, up to $6,000/year, then 1%
  • 3% cash back at U.S. gas stations, up to $6,000/year, then 1%
  • Recommended credit score: Good to Excellent
8.6
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More Details:
Intro APR0% Intro APR for 15 months
Regular APR19.49% - 28.49% Variable
Annual Fee$0
Recommended Credit ScoreGood to Excellent
Rewards Rate3% supermarkets, 3% online retail, 3% gas stations (each up to $6,000/yr, then 1%)

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