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Best 0% Intro APR Credit Cards

CREDIT CARDS - 0% APR CREDIT CARDS
Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. Check out these featured card offers from our partners below.
Last updated Feb. 21, 2024 | By FinanceBuzz Editors

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Citi® Diamond Preferred® Card

MARKET-LEADING 0% INTRO APR ON BALANCE TRANSFERS FOR 21 months!

4.4


With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a hands-down choice for a balance transfer card.

The Citi Diamond Preferred features 21 months of 0% intro APR on balance transfers. This is an incredible way to eliminate high interest payments until nearly 2026 and pay down your balance interest free.

There is no annual fee and new cardholders can also enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable).

Annual Fee: $0

Click here to apply now for the Citi® Diamond Preferred® Card(Rates and fees)

Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & BALANCE TRANSFERS

4.9


Imagine getting 21 months from account opening with an intro 0% APR on balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, or 29.99% Variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect® Card now.

Citi Double Cash® Card

0% Intro APR For 18 months On Balance Transfers + up to 2% cash back

4.8


Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Double Cash® Card could be just the card for you.

Say goodbye to interest payments on balance transfers until 2025 thanks to a 0% intro APR for 18 months; then 19.24% - 29.24% (Variable)! That’s a solid year and a half to make a significant dent in your credit card debt.

Plus, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit, or check.

Enjoy all this with no annual fee.

Click here to apply now for the Citi Double Cash® Card(Rates and fees)

Wells Fargo Active Cash® Card

15 MONTHS OF 0% INTRO APR + EARN unlimited 2% cash rewards on purchases

5.0


If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash® Card now.

Bank of America® Travel Rewards credit card

Low Intro APR for 15 billing cycles + 25,000 bonus points

4.1


Don't let the name fool you, the Bank of America® Travel Rewards credit card is a balance transfer powerhouse. Transfer your high-interest credit card debt to this card and your payments can go directly towards paying down your balance for 15 billing cycles for any balance transfers made in the first 60 days.

New cardholders can enjoy an extended 0% intro APR period for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days. After the intro period, the APR is 18.24% - 28.24% Variable. That means you can focus on paying off your debt now and start enjoying the peace of mind that comes with saving money on interest.

But that’s not all, this card also offers a generous welcome bonus - earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Annual fee: $0

Click here to apply for the Bank of America® Travel Rewards credit card now.

Chase Freedom Unlimited® Card

0% intro APR for 15 months + up to 5% cash back

4.7


Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited® Card!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until May 2025 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Click here to apply for the Chase Freedom Unlimited® Card now.

Discover it® Cash Back

0% intro APR + up to 5% cash back

4.7


With the Discover it® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2025 while earning cashback rewards indefinitely at 99% of merchants!

Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 17.24% - 28.24% Variable. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2025.

Annual Fee: $0

Click here to apply for the Discover it® Cash Back now.

Bottom Line

The Citi® Diamond Preferred® Card is a great choice for almost everyone. Who doesn't love 21 months with an intro 0% APR on balance transfers — all without an annual fee?

  • Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.24% - 28.99% (Variable).
  • Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Diamond Preferred card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
  • Citi Entertainment: Diamond Preferred cardholders get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences, and more.
  • Contactless Pay: Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.

» Click here to apply now and pay 0% interest on balance transfers until nearly 2026

Extended 0% Intro APR for Balance Transfers

Benefits

Card Details

  • 0% intro APR on balance transfers for 21 months, then 18.24% - 28.99% (Variable) APR
  • 0% intro APR on purchases for 12 months, then 18.24% - 28.99% (Variable) APR
  • Choose your payment due date
  • No annual fee
  • Apply Now
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. 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 a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
<span class='whitespace-nowrap'>Citi<sup>®</sup></span> Diamond <span class='whitespace-nowrap'>Preferred<sup>®</sup></span> Card
4.4
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Intro Offer

Long introductory APR period for balance transfers

Annual Fee

$0

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Why we like it

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.

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