This offer is no longer available on our site: BankAmericard® credit card
Cards with 0% introductory APR offers can help you finance expensive purchases, pay off existing debt and save on interest payments overall. Read on for our picks for the best 0% intro APR credit cards.
U.S. Bank Visa® Platinum Card: Best for a long intro period
Here’s why: This card offers a 0% introductory APR for 18 billing cycles on purchases and balance transfers made in the first 60 days after your account opens. After the intro period ends, the APR for both rises to a variable 18.24% - 29.24%, depending on your credit.
There’s also a balance transfer fee: An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.
BankAmericard® credit card: Best for a long intro period
Here’s why: You’ll get ample time to pay down debt and avoid interest on both new purchases and balance transfers. The card gives you a 0% introductory APR for 18 billing cycles for both purchases and balance transfers made in the first 60 days after your account opens. Both APRs then rise to a variable 15.74% to 25.74%.
Heads up: There’s a 3% intro balance transfer fee for the first 60 days your account is open, which then rises to 4%.
Wells Fargo Reflect® Card: Best for a long intro period
Here’s why: You’ll get a long intro period on both purchases and balance transfers to help you avoid or pay down interest. This card offers a 0% introductory APR for 21 months on purchases and balance transfers made in the first 120 days after your account opens. After the 0% APR periods are up, you’ll see a variable APR for both purchases and balance transfers of 17.74%, 24.24%, 29.49%. This card has a balance transfer fee of 5% (minimum $5).
Citi Simplicity® Card: Best for paying off debt
Here’s why: You’ll get a lot of time to pay off your balance transfer debt at the introductory rate. Within the first four months after your account opens, you’ll get a 0% introductory APR for 21 months from the date of your first balance transfer (though you only get 12 months of the intro APR for purchases). After the introductory periods end for both purchases and balance transfers, you’ll see a variable APR of 18.74% - 29.49%.
The card also has a balance transfer fee: Intro fee 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
Chase Freedom Unlimited®: Best for ongoing cash back
Here’s why: This card offers intro APR offers as well as cash back rewards. You’ll get a 0% intro APR on both purchases and balance transfers for the first 15 months your account is open. After that, the APR for both rises to a variable 19.99% - 28.74% for each. There’s also a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5% (minimum $5) thereafter.
For cash back, you’ll earn 5% back on travel purchased through Chase Travel℠, 3% at restaurants (including takeout and delivery), 3% back on drugstore purchases and 1.5% back on all other purchases.
Citi Double Cash® Card: Best for simple cash back
Here’s why: If you want straightforward cash back to go with solid intro APR offers, this card has what you’re looking for. You’ll get a 0% APR for 18 months after the date of your first transfer on balance transfers made in the first four months your account is open. After the intro APR period ends, you’ll have a variable APR of 18.74% - 28.74%. There’s also a balance transfer fee: Intro fee 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
And you’ll earn 2% cash back on all purchases (1% when you buy, and 1% when you pay your bill).