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 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.
Quick Comparison
| # | Card | Annual Fee | Intro APR |
|---|---|---|---|
1 |  US Bank ShieldBest Overall | $0 | 0% for 24mo |
2 | $0 | 0% for 21mo | |
3 |  Citi SimplicityNo Late Fees | $0 | 0% for 12mo, 0% BT for 21mo |
4 | $0 | 0% for 18mo | |
5 | $0 | 0% for 12mo, 0% BT for 21mo | |
6 | $0 | 0% BT for 21mo |
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 and nearly two full years of interest-free financing, this card is unmatched for extended debt payoff or major purchases.
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0% intro APR for 21 months on purchases & balance transfers
21 months of 0% APR on both purchases and balance transfers. No annual fee or rewards, but provides a strong alternative with a competitive dual intro period just 3 months shorter than the market leader.
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0% intro APR for 12 months on purchases & 21 months on balance transfers
21 months 0% on balance transfers and 12 months on purchases, plus the unique benefit of no late fees ever. A strong choice for balance transfer consolidation or if you're concerned about payment reliability during your payoff plan.
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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. Offers a solid interest-free window on both new purchases and transferred balances with a lower regular APR floor than most competitors.
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0% intro APR for 12 months on purchases & 21 months on balance transfers
21 months 0% on balance transfers and 12 months on purchases. Similar balance transfer timeline to Citi Simplicity but without the no-late-fees protection.
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0% intro APR for 21 months on balance transfers
21 months of 0% APR on balance transfers only, with no intro period on purchases. Chase offers an automatic APR reduction for on-time payments and low utilization, providing potential long-term savings.
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