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 and pay no interest for an extended period — typically 12 to 21 months. These cards are ideal for financing a large purchase over time or consolidating existing credit card debt. Every card on this list has a $0 annual fee.
0% intro APR for 21 months on purchases & balance transfers
21 months of 0% APR on both purchases and balance transfers — the longest intro period available. No rewards, but as a pure interest-saving tool it's hard to beat.
0% intro APR for 21 months on purchases & balance transfers
21 months of 0% APR on both purchases and balance transfers, matching the longest periods on the market. A straightforward no-frills card focused entirely on interest savings.
0% intro APR for 12 months on purchases & 21 months on balance transfers
21 months 0% on balance transfers and 12 months on purchases. The standout feature — no late fees ever. If you're worried about missing a payment during your payoff plan, this is the safest pick.
0% intro APR for 12 months on purchases & 21 months on balance transfers
Same 21-month balance transfer period as the Simplicity, with 12 months 0% on purchases. A solid choice if you're mainly focused on paying down transferred balances.
0% intro APR for 21 months on balance transfers
21 months of 0% APR on balance transfers. Chase also offers an automatic APR reduction if you pay on time and keep utilization under 30% — a unique perk for long-term cardholders.
0% intro APR for 15 months on purchases & balance transfers
15 months of 0% APR on both purchases and balance transfers. Shorter than the top picks but still a generous window for interest-free financing.