When you're paying high interest rates, it's hard not to feel like debt follows you everywhere. Stop making high-interest credit card payments and choose one of these fantastic cards from our partners, offering 0% intro APR periods on balance transfers for up to 21 months.
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|---|
2025 award winner Best 0% Intro APR Credit Card /images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card |
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
Extra Long Intro APR On Purchases & Qualifying Balance Transfers
4.9
|
|
2025 award winner Best for Balance Transfers /images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
Balance Transfer:
0%, 21 months
Purchases:
0%, 12 months
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited® |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$250
Bonus
|
$0
|
0% Intro APR For 15 Months (Until 2026!) + Up To 5% Cash Back
4.7
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer |
Balance Transfer:
0%, 18 months
Purchases:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for high-rate cash back categories
4.7
|
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card |
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
0% Intro APR On Balance Transfers For 18 Months - Into 2026!
5.0
|
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Discover it® Chrome |
Balance Transfer:
0%, 18 months
Purchases:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Outstanding Intro APR Period On Balance Transfers + Up To 2% Cash Back
4.2
|
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
20,000
Miles
|
$0
|
Excellent For Travel + Intro Purchase and Balance Transfer Perks
4.0
|
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
$200
Cash bonus
|
$0
|
Excellent for cash back + intro purchase and balance transfer perks
4.5
|
Today's Top Balance Transfer Credit Cards
2025 award winner Best 0% Intro APR Credit Card
/images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card
Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
Why We Like It
Card Details
2025 award winner Best for Balance Transfers
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card
Balance Transfers: 0%, 21 months
Why We Like It
Card Details
2025 award winner Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited®
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for high-rate cash back categories
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
0% INTRO APR ON BALANCE TRANSFERS FOR 18 months - UNTIL NEARLY 2027!
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
Outstanding 0% Intro APR Period For 18 months on balance transfers + up to 2% cash back
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Discover it® Chrome
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
Excellent for travel + intro purchase and balance transfer perks
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Excellent for cash back + intro purchase and balance transfer perks
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Bottom Line
2025 award winner Best 0% Intro APR Credit Card
The Wells Fargo Reflect® Card(Rates and fees) is a great choice for anyone looking to pay down debt. Cardholders can benefit from a long introductory APR period of 21 months from account opening on qualifying balance transfers and new purchases. Pay no interest until January 2027.
- Intro APR: Enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers then 17.24%, 23.74%, or 28.99% Variable APR thereafter.
- No annual fee: The Reflect card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
2025 award winner
Best 0% Intro APR Credit Card Benefits Card Details Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee $0 Why we like it
/images/2022/04/27/0427_reflect.png)
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.