| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer Card
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Apply Now
Wells Fargo Reflect® Card 4.9
|
Purchases:
0%, 21 months from account opening
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
|
17.49%, 23.99%, or 28.24% Variable
|
N/A
|
$0
|
|
2026 AWARD WINNER
Best for 0% Intro APR and Rewards
/images/2025/12/09/chase-freedom-unlimited-1.22.2025-removebg-preview.png)
Apply Now
Chase Freedom Unlimited® 4.7
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months
|
18.24% - 27.74% Variable
|
$200
Bonus
|
$0
|
/images/2026/03/24/bankamericard_card_art.png)
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BankAmericard® credit card 4.9
|
Purchases:
0%, 21 billing cycles
Balance Transfer:
0%, 21 billing cycles for any balance transfers made in the first 60 days
|
14.99% - 25.99% Variable
|
N/A
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
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Discover it® Cash Back 4.7
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months; Balance transfer fee applies
|
17.49% - 26.49% (Variable)
|
Unlimited Cashback
Match™
|
$0
|
|
2026 AWARD WINNER
Best 0% Intro APR Card Debut
/images/2025/10/31/us_bank_shield_card_art.png)
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U.S. Bank Shield™ Visa® Card 4.9
|
Purchases:
0%, 21 billing cycles
Balance Transfer:
0%, 21 billing cycles
|
16.99% - 27.99% Variable
|
N/A
|
$0
|
/images/2024/12/16/citi-double-cash.jpg)
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Citi Double Cash® Card 5.0
|
Purchases:
N/A, N/A
Balance Transfer:
0%, 18 months
|
17.49% - 27.49% (Variable)
|
$200
|
$0
|
INCREDIBLE
OFFER!
$200 Bonus + Up to 5% Cash Back
Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening.
Plus, enjoy 0% intro APR for 15 months on both purchases and balance transfers (then 18.24% - 27.74% Variable APR).
APPLY NOW
Member FDIC
Sponsored
Today's Top No Interest Credit Cards
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer Card
/images/2022/04/27/0427_reflect.png)
4.9
Intro APR
Purchases:
0%, 21 months from account opening
0%, 21 months from account opening
Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers
0%, 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable
Annual Fee
$0
Rewards Rate
N/A
Why We Like It
Card Details
Card Details
- 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. 17.49%, 23.99%, or 28.24% 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.
2026 AWARD WINNER
Best for 0% Intro APR and Rewards
/images/2025/12/09/chase-freedom-unlimited-1.22.2025-removebg-preview.png)
4.7
Intro APR
Purchases:
0%, 15 months
0%, 15 months
Balance Transfers:
0%, 15 months
0%, 15 months
Regular APR
18.24% - 27.74% Variable
Annual Fee
$0
Rewards Rate
1.5% - 5%
Cash Back
Why We Like It
Card Details
Card Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 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 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Excellent for no annual fee & low interest
/images/2026/03/24/bankamericard_card_art.png)
4.9
Intro APR
Purchases:
0%, 21 billing cycles
0%, 21 billing cycles
Balance Transfers:
0%, 21 billing cycles for any balance transfers made in the first 60 days
0%, 21 billing cycles for any balance transfers made in the first 60 days
Regular APR
14.99% - 25.99% Variable
Annual Fee
$0
Rewards Rate
N/A
Why We Like It
Card Details
Card Details
- New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. 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.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Excellent for earning cash back with a low intro APR
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
4.7
Intro APR
Purchases:
0%, 15 months
0%, 15 months
Balance Transfers:
0%, 15 months;
Balance transfer fee applies0%, 15 months;
Regular APR
17.49% - 26.49% (Variable)
Annual Fee
$0
Rewards Rate
1% - 5%
Cash back
Why We Like It
Card Details
Card Details
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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% 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
- Redeem cash back for any amount. No annual fee
- Terms and conditions apply
2026 AWARD WINNER
Best 0% Intro APR Card Debut
/images/2025/10/31/us_bank_shield_card_art.png)
4.9
Intro APR
Purchases:
0%, 21 billing cycles
0%, 21 billing cycles
Balance Transfers:
0%, 21 billing cycles
0%, 21 billing cycles
Regular APR
16.99% - 27.99% Variable
Annual Fee
$0
Rewards Rate
4%
Cash Back
Why We Like It
Card Details
Card Details
- 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 16.99% - 27.99%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
Excellent for high flat-rate cash back rewards
/images/2024/12/16/citi-double-cash.jpg)
5.0
Intro APR
Purchases:
N/A, N/A
N/A, N/A
Balance Transfers:
0%, 18 months
0%, 18 months
Regular APR
17.49% - 27.49% (Variable)
Annual Fee
$0
Rewards Rate
2% - 5%
Cash back
Why We Like It
Card Details
Card Details
- 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- 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).
Bottom Line
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer 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 May 2028.
- Intro APR: Enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers then 17.49%, 23.99%, or 28.24% 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).
Recommended Credit Score
Good
670-739
Excellent
740-850
» Click here to apply now and pay intro 0% interest into 2028
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer Card
- 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR
- Up to $600 cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your card
- $0 annual fee
- Apply Now
- 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. 17.49%, 23.99%, or 28.24% 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.
/images/2022/04/27/0427_reflect.png)
Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee
$0
Why we like it
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.