Best 0% Intro APR
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Compare 0% intro APR cards for purchases, balance transfers, or both. Rankings update automatically as offers change. No affiliate links. We earn $0 from applications.
What Are You Using It For?
The right 0% APR card depends on your goal. Select your situation and we’ll show the card structure that fits — with the trade-offs that matter.
Prioritize the longest 0% purchase APR. The U.S. Bank Shield leads at 24 months. Wells Fargo Reflect gives 21 months on purchases and transfers. More months = more time to pay without a dollar of interest.
See longest 0% APR cardsFocus on 0% balance transfer length and upfront fee. Citi Simplicity and Diamond Preferred offer 21 months. BankAmericard gives 18 months at 3% — one of the lowest fees for that window. Use the BT calculator to model your exact savings.
See balance transfer cards + calculator Freelancers: 0% APR bridges income gaps- Autopayone missed payment can trigger penalty APR and cancel your 0% rate
- Transfer windowmost 3% fee offers expire 60 days after account opening
- Balance deadlinepay to zero before the promo clock expires or interest kicks in
- New purchasesadding spend while paying down a transfer slows your payoff
Live 0% Intro APR Card Rankings
Ranked by intro APR score — not a blended category score. Cards that offer the longest and broadest 0% periods rank higher here.
The Wallet Optimization Journal maps your monthly spend to every card in your wallet, calculates your real annual return net of fees, and shows what to apply for after payoff. No sign-up. No affiliate links.
0% Intro APR Credit Card FAQ
What does 0% intro APR mean?
A 0% intro APR means you pay no interest on qualifying balances — purchases, transfers, or both — during the promotional period, typically 12 to 24 months. After the intro period, the card’s regular variable APR applies to any remaining balance. Plan your payoff to reach zero before the clock expires.
Which card has the longest 0% APR period?
The U.S. Bank Shield Visa currently leads at 24 months on both purchases and balance transfers, with no annual fee. Wells Fargo Reflect, Citi Simplicity, and Citi Diamond Preferred offer 21 months. Most offers in the 18–21 month range charge a 5% transfer fee; Citi Simplicity charges 3% if you transfer within 4 months of opening. Full ranked table
Should I prioritize purchase APR or balance transfer APR?
If you’re planning a large purchase, prioritize the longest 0% purchase APR. If you carry existing debt, focus on the balance transfer window and upfront fee. Some cards offer 0% on both — search “purchases + balance transfer” or use the use-case selector above to find those.
Do I still need to make minimum payments during the 0% period?
Yes — you must make at least the minimum payment every month. Missing a payment can trigger penalty APR, which cancels the intro offer entirely on many cards. Set up autopay for the minimum the day you receive the card to protect your rate.
What credit score do I need?
Most of the strongest 0% intro APR offers target good to excellent credit — typically 670+ FICO. Cards offering the longest 0% windows (21–24 months) tend to have stricter requirements. BankAmericard and Chase Slate Edge are solid options at 670+; shorter promotional periods may be available with fair credit.
What happens when the intro period ends?
Any remaining balance starts accruing interest at the card’s regular variable APR — currently 14%–28%+ depending on your creditworthiness. The post-intro APR varies by card; check the rankings for each card’s specific rate. Having even $500 left when the promo ends can cost significant interest at those rates.
Are there 0% APR cards that also earn rewards?
Yes. Chase Freedom Unlimited earns 1.5% on everything plus 3% on dining and drugstores and 5% on Chase Travel, with a 15-month 0% period. BoA Customized Cash earns 3% in a choice category with 15 months at 0%. Capital One Quicksilver earns 1.5% flat with 15 months. The trade-off: rewards cards typically offer shorter 0% windows than pure debt-payoff cards.
What should I do with the card after the 0% period ends?
Keep the account open — closing it hurts your credit utilization ratio and average account age. If the card earns rewards, use it for appropriate spending. If it has no rewards, keep it as a backup. Use the wallet optimizer to find the best rewards card to add after your balance is cleared. The biggest single win after clearing debt is often a signup bonus — a $750 cash bonus on a no-fee card typically pays back more than a year of interest savings. Cash back rewards are not taxable income — see are credit card rewards taxable.