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Credit Card Expert Exposes The Top 0% Interest Cards Available Now

Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings each year.
Last updated Dec. 1, 2022 | By Greg Van Horn

Wells Fargo Reflect® Card

0% Interest on Purchases & Balance Transfers for Nearly 2 Years

If you have lingering credit card debt with high interest rate charges from other cards, the Wells Fargo Reflect® Card Rates and Fees can help you squash that debt.

Transfer your high interest debt to this card with a 0% intro APR for up to 21 months from account opening on qualifying balance transfers. Your payments will go directly to paying down your balance for nearly two years - pay no interest until September 2024.

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for up to 21 months from account opening on purchases. After the intro period for purchases and balance transfers, then APR is 16.74% - 28.74% variable.

This card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.

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

BankAmericard® credit card

Extra Long Intro APR on Purchases & Balance Transfers

Imagine getting 21 billing cycles with 0% interest on a balance transfer or a big purchase. Sounds great — right? It's possible with this industry-leading card — the BankAmericard® credit card

Enjoy a 0% introductory APR on purchases for 21 billing cycles, plus a 0% intro APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days. This new extended intro period gives you extra time to pay down your balances. After the intro period, the APR is 15.74% - 25.74% (variable).

The best part? There's no annual fee.

Plus, sometimes credit cards will charge penalty APR if you have late payments, but there is no penalty APR with the BankAmericard® credit card. This credit card can be powerful for helping to get your finances in order.

Click here to apply for the BankAmericard® credit card now.

U.S. Bank Cash+® Visa Signature® Card

0% INTRO APR ON PURCHASES & BALANCE TRANSFERS + $200 CASH BONUS

With an intro APR period that extends 15 billing cycles and up to 5% cash back, you’ll be hard-pressed to find many credit cards that compete with the U.S. Bank Cash+® Visa Signature® Card. A great option for anyone looking for a powerful rewards card without paying an annual fee.

Cardholders can take advantage of a 0% introductory APR on purchases for 15 billing cycles, plus a 0% intro APR for 15 billing cycles on balances transferred in the first 60 days on qualifying balance transfers. This long intro period can give you valuable relief from interest payments. After the intro period, the APR is 18.24% to 28.24% (variable).

You’ll keep your money in your pocket with the U.S. Bank Cash+® Visa Signature® Card because it has a $0 annual fee.

One more perk you don't want to overlook: Cardholders can earn $200 cash back after spending $1,000 in the first 120 days.

Click here to learn how to apply for the U.S. Bank Cash+® Visa Signature® Card now.

Citi Custom Cash℠ Card

15 Months of 0% Intro APR + High Cashback %

The Citi Custom Cash℠ Card can be a powerful card for cashback rewards, and it offers a very compelling intro APR offer. With this card, enjoy an intro APR of 0% for 15 months and then 17.74% to 27.74% (variable) after the introductory period.

This card has a unique rewards structure. You automatically receive a 5% rewards rate on purchases in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that). So, you can earn quite a bit of cash back in the category where you spend the most!

As a welcome offer, new cardholders can earn $200 cash back when they spend $1,500 in first 6 months. For many people, that's very accessible to attain.

This card offers 0% intro APR on balance transfers for the first 15 months and then 17.74% to 27.74% (variable) APR after the introductory period. So, this can be a fantastic card for paying down debt and saving money on interest.

The best part? The annual fee is $0!

Learn how to apply for the Citi Custom Cash℠ Card now.

Bottom Line

The Wells Fargo Reflect Card is a great choice for anyone looking to pay down debt. Cardholders can benefit from a long introductory APR period of up to 21 months from account opening on qualifying balance transfers and new purchases — pay no interest until September 2024.

  • Intro APR: Enjoy a 0% introductory APR on purchases for up to 21 months from account opening then 16.74% - 28.74% variable APR thereafter. You also get a 0% intro APR for up to 21 months from account opening on qualifying balance transfers then 16.74% - 28.74% 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).

» Click here to apply now and pay 0% interest until September 2024

Benefits

Card Details

  • 0% intro APR on qualifying balance transfers and purchases for up to 21 months from account opening, then 16.74% - 28.74% variable APR
  • Cell phone protection
  • $0 annual fee
  • Apply Now
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • 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).
  • 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.
  • Select "Apply Now" to learn more about the product features, terms and conditions
Apply Now

on Wells Fargo’s secure website

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Special offer

Benefit from a long introductory APR period that could be extended by making the minimum payments on time each month

Annual Fee

$0

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Why we like it

  • 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 16.74% - 28.74% variable
  • $0 annual fee
  • Apply Now

Author Details

Greg Van Horn Greg Van Horn is the founder and CEO of FinanceBuzz. A serial technology entrepreneur, he has built and scaled over a dozen multiple-million dollar digital companies in the last 15 years.