Best 0% APR Credit Cards
The best 0% intro APR credit cards for purchases and balance transfers, all with no annual fee.
A 0% intro APR card eliminates interest charges on purchases or balance transfers for 12 to 24 months, making it easier to pay down debt or finance a large expense without accruing interest. These no-annual-fee options are designed for cardholders who want a clear payoff window and minimal ongoing costs.
Consensus ranking, combined Borda-count vote of 3 models.
Quick Comparison
| # | Card | Annual Fee | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|
1 |  US Bank ShieldBest Overall | $0 | 4% Travel (via Portal) | - | 0% for 21mo |
21 | $0 | - | - | 0% for 21mo | |
31 | $0 | - | - | 0% for 21mo | |
41 | $0 | - | - | 0% for 12mo, 0% BT for 21mo | |
51 | $0 | - | - | 0% for 12mo, 0% BT for 21mo | |
6 | $0 | - | - | 0% BT for 21mo |
0% intro APR for 21 months on purchases & balance transfers
The US Bank Shield offers 0% APR on both purchases and balance transfers for 21 months, plus 4% cash back on travel portal bookings. With no annual fee, it delivers extended interest-free periods on multiple financial needs.
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0% intro APR for 21 months on purchases & balance transfers
The BankAmericard offers 0% APR for 21 months on both purchases and balance transfers with no annual fee. Its standard regular APR range starts at 14.49%, among the lowest on this list.
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0% intro APR for 21 months on purchases & balance transfers
The Wells Fargo Reflect matches the longest 0% APR terms at 21 months on both purchases and balance transfers, with no annual fee. It's a straightforward option for those focused solely on the introductory rate periods.
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0% intro APR for 12 months on purchases & 21 months on balance transfers
The Citi Diamond Preferred provides 0% APR for 12 months on purchases and 21 months on balance transfers, with no annual fee. This split structure suits cardholders focused primarily on balance transfer consolidation.
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0% intro APR for 12 months on purchases & 21 months on balance transfers
The Citi Simplicity offers 0% APR for 12 months on purchases and 21 months on balance transfers, with no annual fee. Like the Citi Diamond Preferred, it emphasizes balance transfer value with an asymmetrical intro structure.
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0% intro APR for 21 months on balance transfers
The Chase Slate Edge provides 0% APR for 21 months on balance transfers only, with no annual fee. It has no intro purchase APR, making it exclusive to balance transfer consolidation.
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