A 0% intro APR card lets you make purchases or transfer balances without paying interest for an extended period — typically 12 to 24 months. These no-annual-fee cards are ideal for financing a large purchase over time or consolidating existing credit card debt.
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Best 0% APR Credit Cards
The best 0% intro APR credit cards for purchases and balance transfers, all with no annual fee.
Updated · May 15, 2026·6 cards
Quick Comparison
| # | Card | Annual Fee | Intro APR |
|---|---|---|---|
1 |  US Bank ShieldBest Overall | $0 | 0% for 24mo |
2 |  Wells Fargo ReflectBest Alternative | $0 | 0% for 21mo |
3 |  BankAmericardBest Entry APR | $0 | 0% for 18mo |
4 |  Citi SimplicityBest for Balance Transfers | $0 | 0% for 12mo, 0% BT for 21mo |
5 | $0 | 0% for 12mo, 0% BT for 21mo | |
6 | $0 | 0% BT for 21mo |
U.S. Bank$0 / yr
0% intro APR for 24 months on purchases & balance transfers
24 months of 0% APR on both purchases and balance transfers — the longest intro period available. With no annual fee, this card provides nearly two full years of interest-free financing for major purchases or debt consolidation.
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Wells Fargo$0 / yr
0% intro APR for 21 months on purchases & balance transfers
21 months of 0% APR on both purchases and balance transfers with no annual fee. Offers a competitive dual intro period just 3 months shorter than the market leader.
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Bank of America$0 / yr
0% intro APR for 18 months on purchases & balance transfers
18 months of 0% APR on both purchases and balance transfers with no annual fee and a 14.49% regular APR floor — the lowest ongoing rate on this list. Solid interest-free window combined with the most competitive post-intro APR available.
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Citi$0 / yr
0% intro APR for 12 months on purchases & 21 months on balance transfers
21 months of 0% APR on balance transfers with 12 months on purchases, plus no late fees ever. Ideal for consolidating existing credit card debt without the risk of late payment penalties.
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Citi$0 / yr
0% intro APR for 12 months on purchases & 21 months on balance transfers
21 months of 0% APR on balance transfers and 12 months on purchases, with no annual fee. Offers strong balance transfer terms at a slightly lower regular APR range (16.49%-27.24%) compared to Citi Simplicity.
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Chase$0 / yr
0% intro APR for 21 months on balance transfers
21 months of 0% APR on balance transfers only, with no intro period on new purchases. Regular APR range of 22.49%-31.24% is higher than most competitors, limiting its appeal.
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