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Unlock up to 21 Months of Interest-Free Payments: The Best 0% Intro APR Credit Cards Reviewed

Review Updated
Taylor Giovan
Author: Taylor Giovan
Taylor Giovan
Taylor Giovan

Taylor serves as the Director of Content for Motley Fool Money. Over the past three years, she has dedicated her full-time efforts at The Motley Fool to supporting the team in delivering a highly engaging, user-friendly experience. She's passionate about getting the most out of her money -- like paying off her NYU degree five years earlier than the 20-year national average and finding the best high-yield savings account rates to grow her savings.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

A 0% intro APR credit card is one of my favorite tools for saving money, whether I'm paying off debt or making a major purchase without worrying about interest charges. I've used these cards several times to stay on track with my finances, and they've been incredibly helpful. With so many options out there, though, the best choice really depends on your financial situation. Some cards offer market-leading interest-free periods, while others provide added value with rewards or low fees.

After testing and reviewing the best options, we've put together a list of the top 0% interest credit cards that align with common financial goals -- so you can find the one that's perfect for you. Whether you're looking to save big on interest or earn some rewards along the way, we've got you covered.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Top picks at a glance

Best for paying off debt: Citi Simplicity® Card

  • This card is ideal for balance transfers because it offers one of the longest 0% intro APR periods -- 21 months on Balance Transfers -- giving you nearly two years to pay down your debt without interest. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). Plus, there are no late fees or penalty APR, making it a forgiving choice if you need flexibility. Once the intro period ends, the go-to 18.24% - 28.99% (Variable) APR applies. Click here to learn more.

Best for financing a large purchase: Wells Fargo Reflect® Card (see rates and fees)

  • With a 0% intro APR for 21 months from account opening on purchases and balance transfers, this card provides one of the longest no-interest periods available, making it perfect for financing a major expense like home improvements, medical bills, or travel. While it doesn't offer rewards, the extended 0% intro period makes up for it by giving you almost two years to pay off your purchase without paying a dime in interest. The annual fee is $0, but balance transfers come with a fee of 5%, min: $5. After the intro period, the go-to 17.24%, 23.74%, or 28.99% Variable APR applies. Click here to learn more.

The best 0% APR credit cards
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Ratings Methodology
Award Icon 2025 Award Winner

Citi Simplicity® Card

Great for: Balance transfers

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Simplicity® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Long intro balance transfer APR

  • This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends.

    Read Full Review
    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • Choose your own payment date
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • Stay protected with Citi® Quick Lock
Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Great for: Long 0% intro APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer

N/A

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.

    Read Full Review
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
    • $0 annual fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Discover it® Cash Back

Great for: Earning cash back on purchases

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Discover it® Cash Back
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable APR

Rewards Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cashback

Annual Fee

$0

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.

  • We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories (when you activate them, up to the quarterly maximum) and 1% on other purchases.

    Read Full Review
    • Rotating bonus categories
    • Welcome bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
    • Redeem your rewards for cash at any time.
    • Apply and you could get a decision in as little as 60 seconds. No annual fee.
    • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
    • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
    • Terms and conditions apply.

Chase Freedom Flex®

Great for: Cash back versatility with a big bonus

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.99% - 28.49% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.

    Read Full Review
    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99%-28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

Citi Custom Cash® Card

Great for: Bonus cash back

Read Review
Rates & Fees External Link Icon
Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months on Purchases

Balance Transfers: 0%, 15 months on Balance Transfers

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

1% - 5% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

20,000 ThankYou® Points

  • We love this card's easy-to-use yet lucrative cash back program. There aren't many no annual fee cards that earn 5% back, and most of the others have rotating bonus categories that change every quarter. This card automatically adjusts to your spending habits, so getting the most out of it is a breeze.

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash® Card account per person.
Citi Custom Cash® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Visa® Platinum Card

Great for: Purchases and balance transfers

Read Review
Rates & Fees External Link Icon
U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 21 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).

Purchases: 0%, 21 billing cycles on purchases

Balance Transfers: 0%, 21 billing cycles

Regular APR

18.24% - 29.24% (Variable)

Rewards

N/A

Annual Fee

N/A

Welcome Offer

N/A

  • Got a big purchase to finance over time? Consider this U.S. Bank card, as it'll give you a whopping 21 billing cycles of 0% APR on purchases. This also goes for balance transfers, making this one a great fit if you have some existing debt to pay off. It also comes without an annual fee.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • High balance transfer fee
    • Foreign transaction fee
    • For a limited time, 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

BankAmericard® credit card

Great for: Intro balance transfer fee and long 0% intro APR

Read Review
BankAmericard® credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 18 billing cycles for purchases. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers for the first 60 days; a 4% fee applies afterwards. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 18 billing cycles for purchases

Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR

15.24% - 25.24% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • Few cards in this category can compete with this offers long 0% intro APR offer.

    • No annual fee
    • FICO® Score for free
    • No penalty APR
    • Great 0% intro APR offer
    • No rewards
    • Balance transfer fee
    • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.24% - 25.24% will apply.  A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
    • No annual fee.
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
    • Contactless Cards - The security of a chip card, with the convenience of a tap.
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
BankAmericard® credit card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Why zero-interest cards are a smart move for your wallet

If you're feeling the sting of high credit card interest, it's time to consider a zero-interest card. With some offering up to 21 months of 0% intro APR, this is your chance to make real progress on that balance without the extra cost of interest. Whether you're tackling existing debt or making a big purchase, a 0% intro APR card gives you the breathing room to pay down what you owe faster.

How 0% intro APR on purchases can help you save money

It's not just about balance transfers -- many zero-interest cards also give you 0% intro APR on purchases. That means you can buy what you need now and pay it off over time without racking up interest charges.

Got a major expense coming up? This is a great way to spread out the cost and avoid paying extra. Just make sure you stick to your repayment plan and get the balance paid off before the 0% period ends. It's a simple way to stretch your dollar without the added headache.

Who should consider a 0% intro APR credit card?

Zero-interest cards aren't just for those with tons of credit card debt (though they're definitely a lifesaver in that case). They're also perfect for anyone planning a big purchase or even someone trying to build credit the smart way.

If you're looking to transfer high-interest debt or finance a large expense -- like a new fridge or a much-needed vacation -- a 0% intro APR card could be exactly what you need. Use it strategically, and you'll save big in the long run.

Tips for maximizing savings with a 0% intro APR card

Getting a 0% intro APR card is just the first step -- now it's time to make it work for you. If you're transferring debt, move it over during the 0% intro period and within the promotional balance transfer fee period, if one exists.

Make a plan to pay off your balance before the regular APR kicks in, and you'll avoid any unwanted surprises. It's all about staying on top of your payments and keeping an eye on that end date. No one wants to be hit with a sky-high interest rate after a year of good behavior, right?

How to qualify for a zero-interest credit card

Getting approved for a zero-interest credit card is fairly straightforward, but there are a few things you'll want to keep in mind. Most issuers require a good to excellent credit score -- typically 700 or higher -- to qualify for the best 0% intro APR offers. If your credit score is a bit lower, you may still be eligible for a shorter introductory period or a card with a higher APR after the promo ends.

To improve your qualifications, focus on paying bills on time, maintaining a low credit utilization rate, and checking your credit score before applying. The better your credit, the more likely you are to qualify for the most favorable terms.

In summary:

The Picks
Card Rating Great For
Award Icon 2025 Award Winner
Graphic of Citi Simplicity® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

Balance transfers
Award Icon 2025 Award Winner
Graphic of Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

Long 0% intro APR
Graphic of Discover it® Cash Back
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Earning cash back on purchases
Graphic of Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
= Fair
= Poor
Great For:

Cash back versatility with a big bonus
Graphic of Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus cash back
Graphic of U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Purchases and balance transfers
Graphic of BankAmericard® credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Intro balance transfer fee and long 0% intro APR
Citi Custom Cash® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
BankAmericard® credit card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

FAQs

  • Zero-interest credit cards typically offer an introductory 0% APR on purchases and/or balance transfers for a set period, which can range from 12 to 21 months. During this period, you won't accrue interest on the balance you carry, allowing you to pay off your debt faster or make large purchases without worrying about extra charges.

    After the promotional period ends, the card will revert to its standard APR, which can be much higher, so it's essential to pay off the balance within the intro period or before making new purchases that will incur interest.

  • Yes, most zero-interest credit cards allow balance transfers, which can be particularly useful if you have existing high-interest debt on another card. By transferring the balance to a zero-interest card, you can avoid interest charges during the introductory period, giving you more time to pay down your debt.

    However, keep in mind that some cards charge a balance transfer fee, typically 3%-5% of the amount transferred, so it's important to factor this into your decision when choosing a card.

  • Once the 0% intro APR period expires, the remaining balance on your card will start accruing interest at the standard APR, which can be significantly higher. It's crucial to aim to pay off the entire balance before the intro period ends to avoid paying interest.

    If you still have a balance after the 0% intro APR period, the interest charges will apply to the remaining amount. Be sure to monitor your spending and ensure you have a plan to pay off the balance on time.

  • Many zero-interest credit cards come with no annual fee, but it's important to read the terms carefully, as some may charge annual fees or balance transfer fees. Balance transfer fees typically range from 3% to 5% of the transfer amount.

    Additionally, if you miss a payment or exceed your credit limit, you could face penalty fees and possibly lose your 0% intro APR offer. Always ensure that you're aware of the full cost before committing to a card.

  • While it can be more difficult to qualify for a zero-interest credit card with bad credit, there are some options available for those with fair or improving credit scores.

    Typically, cards offering 0% intro APR offers are designed for individuals with good to excellent credit, but some issuers may offer cards with shorter promotional periods or higher interest rates for those with less-than-perfect credit.

    If you have a poor credit score, you may want to start by looking for secured cards, which require a deposit but can still offer 0% intro APR promotions and help you build or rebuild your credit over time.