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 way to manage expenses and consolidate debt without incurring interest for an extended period. With no annual fees, these cards deliver both financial flexibility and a clear repayment plan.
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 a 0% intro APR on purchases and balance transfers for 21 months, with no annual fee. Earn 4% on prepaid air, hotel, and car reservations booked in 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. Regular APR ranges from 14.99% to 25.99%.
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0% intro APR for 21 months on purchases & balance transfers
The Wells Fargo Reflect provides a 0% intro APR for 21 months on purchases and balance transfers, with no annual fee. Regular APR varies from 17.49% to 28.24%.
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0% intro APR for 18 months on purchases & balance transfers
The Citi Simplicity offers a 0% intro APR for 18 months on purchases and balance transfers, with no annual fee. Regular APR ranges from 17.49% to 28.24%.
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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 for 12 months on purchases and 21 months on balance transfers, with no annual fee. Regular APR ranges from 16.49% to 27.24%.
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The Chase Slate Edge has no annual fee but does not offer a 0% intro APR period. Its regular APR is set at 28.99%.
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