Best 0% APR Credit Cards
The best 0% intro APR credit cards for purchases and balance transfers, all with no annual fee.
0% intro APR credit cards provide a strategic advantage for managing purchases and consolidating existing debt without incurring interest for an extended period. With no annual fees, these cards are designed to offer financial flexibility and a clear path to repayment.
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 |
2 |  BankAmericardBest Value | $0 | - | - | 0% for 21mo |
3 | $0 | - | - | 0% for 21mo | |
4 | $0 | - | - | 0% for 18mo | |
5 | $0 | - | - | 0% for 12mo, 0% BT for 21mo | |
6 | $0 | - | - | - |
0% intro APR for 21 months on purchases & balance transfers
The US Bank Shield offers 0% intro APR on purchases and balance transfers for 21 months, with no annual fee. It also provides 4% back on prepaid air, hotel, and car reservations booked through the U.S. Bank Travel Rewards Center.
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0% intro APR for 21 months on purchases & balance transfers
The BankAmericard features a 0% intro APR for 21 months on both purchases and balance transfers, with no annual fee.
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0% intro APR for 21 months on purchases & balance transfers
The Wells Fargo Reflect offers 0% intro APR for 21 months on purchases and balance transfers, with no annual fee.
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0% intro APR for 18 months on purchases & balance transfers
The Citi Simplicity card provides 0% intro APR on purchases and balance transfers for 18 months, with no annual fee.
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0% intro APR for 12 months on purchases & 21 months on balance transfers
The Citi Diamond Preferred features a 0% intro APR on purchases for 12 months and on balance transfers for 21 months, with no annual fee.
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The Chase Slate Edge does not offer an introductory APR but has a regular APR of 28.99%, with no annual fee.
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