The Best 0% Intro APR Credit Cards

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Last updated on January 9th, 2023

Nobody like paying interest on their credit cards. That’s probably why cards that offer 0% introductory periods are so popular! Thinking of getting a new card and want to ensure you get the best possible deal? Here are our top picks for the best 0% intro APR credit cards:

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Low Rate & Balance Transfer Cards

Many banks like to provide a suite of credit card products that address a variety of consumer needs and concerns. One of the most common card types is low rate or balance transfer credit cards. Low rate (or low APR) credit cards provide the ideal platform for getting a lower-than-average APR on purchases or transfers, 0% APR, and no annual fee. 

Citi Simplicity® Card

citi simplicity card
0% Intro APR on Purchases and BTs
  • 0% intro APR for 12 months on purchases
  • 0% intro APR for 21 months on balance transfers
☆ Choose Your Payment Date
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

Citi offers two impressive 0% intro APR credit cards – both of which closely mirror each other. The first of Citi’s low rate and 0-interest credit cards is the Citi Simplicity

The Simplicity offers two introductory interest rate periods – one for balance transfers and one for purchases. First, new accounts enjoy 12 months of no interest on purchases. Second, they’ll enjoy a whopping 21 moths of 0% interest on balance transfers – the longest introductory period available. 

Citi® Diamond Preferred® Credit Card

citi diamond preferred new 224x141
0% Intro APR on Purchases and BTs
  • 0% intro APR for 12 months on purchases
  • 0% intro APR for 21 months on balance transfers
☆ Choose Your Payment Date
☆ Contactless Payment - Tap and Pay
☆ No Annual Fee

The Citi® Diamond Preferred® Card is Citi’s other low APR credit card. Like the Simplicity, the card offers 0% intro APR for 12 months on purchases and 21 months on balance transfers – also with no annual fee. 

So how do the Citi Simplicity and Diamond Preferred differ? The biggest difference between the two is the regular APR, but even that variation is modest. The Diamond Preferred features a regular APR one-percentage point lower than the Simplicity.

Chase Slate Edge

chase slate edge 0% apr credit card
Lower Your Interest Rate by 2% Each Year
  • 0% introductory APR on purchases and balance transfers for 18 months from account opening
  • Get a one-time review for a higher credit limit when you pay on time, and spend $500 in the first six months
☆ 2% APR Reduction Consideration Each Year (Terms Apply)
☆ $0 My Chase Plan® During Intro Period
☆ No Annual Fee

The Chase Slate Edge is Chase Bank’s latest low rate credit card. The card offers the chance at an automatic credit line increase, plus 0% intro APR for 18 months (with a variable APR after that) and automatic APR reduction when you pay on time after meeting minimum spending requirements– all for no annual fee.

Wells Fargo Reflect Card

Wells Fargo Reflect Card
Enjoy Wells Fargo's Lowest Intro APR for Up to 21 Months
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers
  • ntro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods
☆ Cell Phone Protection
☆ Roadside Dispatch
☆ No Annual Fee

The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 18 months of 0% APR on purchases and balance transfers, with that period extending to up to 21 months when the cardholder makes their minimum payment due each month.

The major talking point with the Reflect Card is the impressive 0% intro APR period it provides. New accounts enjoy 18 months of zero interest on purchases and qualifying balance transfers. Qualifying balance transfers are any eligible transfers made within 120 days (roughly four months) of opening an account. However, Wells Fargo is upping the ante by extending that period up to 21 months, provided the cardholder pays their minimum balance due every month. Those 21 months (subject to on-time payments and remaining balances) is the longest introductory period from a major US lender, making the Wells Fargo Reflect a mammoth of a balance transfer credit card

Rewards Cards

Rewards cards are an excellent way to maximize value, thanks to cash back, rewards points, and an ever-increasing number of introductory APR periods for new accounts.

Citi Custom Cash℠ Card

citi custom cash 224x141
Earn 5% Back On Your Top Spending Category
  • 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
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening
☆ 5% Categories Include Gas, Streaming, Groceries, Travel, & More!
☆ 0% Intro APR for 15 Months
☆ No Annual Fee

The Citi Custom Cash℠ Card is Citibank’s latest cash back credit card. The card earns 5% back on your highest spending category each billing period, making it a direct competitor to the Bank of America Customized Cash RewardsWells Fargo Active Cash, or the Chase Freedom Flex.

The 5% back categories with the Custom Cash include the following and is limited to the first $500 spent every billing period: dining, drugstores, fitness clubs, gas stations, grocery stores, home improvement stores, live entertainment, select travel, select streaming services, and select transit.

Like its rivals, the Custom Cash also features a lengthy introductory period on balance transfers and purchases. That 0% intro APR period extends for 15 months, making the card rewarding, versatile, and convenient.

Citi® Double Cash Card – 18 month BT offer

doublecash 224x141
Earn 2% Cash Back on All Purchases
  • Earn 2% back on everything
  • Earn 1% back when you make a purchase and 1% back when you make you pay off that balance
☆ Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months
☆ No Reward Caps or Categories
☆ No Annual Fee

The Citi® Double Cash Card does not offer a special rewards categories Instead, Citi provides 2% cash back on all eligible purchases. The card earns a flat-rate 1% cash back on all eligible purchases – and another 1% back when the account holder pays off that balance.

The lack of an annual fee, the 2% back , and the 0% introductory APR on balance transfers for the first 18 months make the Citi Double Cash Card the perfect everyday card that just happens to reward your streaming habits.

Chase Freedom Flex

chase freedom flex mastercard
Earn a $200 Bonus and Up to 5% Cash Back
  • 5% on up to $1,500 on combined purchases in bonus categories each quarter
  • 0% intro APR for 15 months
☆ 5% Back on Chase Travel
☆ 3% Back on Dining & Drugstores
☆ No Annual Fee

The Chase Freedom family of credit cards has long been one of the most popular options for cash back rewards. The family includes a range of excellent cash back cards, topped off by the ever-impressive Chase Freedom Flex.

The Freedom Flex World Elite Mastercard earns 5% cash back on rotating categories each quarter after activation, 5% back on travel booked through Ultimate Rewards, 3% back on dining and drugstore purchases, and 5% cash back on eligible gas station purchases on up to $6,000 spent in the first year. The card’s rotating categories are always popular, with Q2 2022 including Amazon purchases and select streaming services – making now the time to jump on the Flex to maximize those streaming rewards.

The Flex also features a lengthy 0% APR period to match its impressive rewards.  New accounts enjoy 15 months of no interest on both purchases and balance transfers. This combination of rewards and introductory APR is tough to beat – before you even mention the no annual fee.

Chase Freedom Unlimited

freedom unlimited
Earn unlimited Cash Back on Purchases
  • 5% on up to $1,500 on combined purchases in bonus categories each quarter
  • 0% intro APR for 15 months
☆ 5% Back on Chase Travel
☆ 3% Back on Dining & Drugstores
☆ No Annual Fee

The Chase Freedom family also includes the Freedom Unlimited, the bank’s unlimited cash rewards credit card. The Freedom Unlimited earns an unlimited 1.5% cash back on all purchases, with the exception of extra enhanced categories that mirror the Flex. 

Like the Freedom Flex, Freedom Unlimited cardholders enjoy 15 months of no interest on BTs and purchases, plus up to 5% cash back in select categories. While the 5% back is limited to Chase travel (via Ultimate Rewards), the 3% back categories include restaurants and drugstores, making this card’s value truly unlimited.

Discover it Cash Back

Earn Up to 5% Cash Back
  • 5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
  • 0% for 15 months from account opening
☆ Discover Cash Back Match
☆ Redeem Points with Amazon
☆ No Annual Fee

Consumers perennially favor the Discover It family of credit cards – and it’s easy to see why. All Discover credit cards come with the bank’s Cashback Match after year one.

Equally impressive, however, are the 0% intro APR offers that come with some of the issuer’s card products. The Discover It Cash Back, Discover It Chrome, and Discover It Miles all come with 0% introductory APR for 14 months on both purchases and balance transfers.

The Discover It Cash Back is a versatile cash back rewards card that earns 5% back on a rotating selection of categories. On the other hand, the Chrome Card is 2% cash back at gas stations and restaurants on up to $1,000 per quarter and 1% back on all other purchases. The Miles Card, Discover’s travel credit card, earns an unlimited 1.5X miles on all purchases.

Discover it Miles

discover miles
Unlimited Miles with 0% APR
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases
  • 0% for 15 months from account opening
☆ Discover Cash Back Match
☆ Redeem Points with Amazon
☆ No Annual Fee

As mentioned, the Discover It Miles is another Discover credit card with a lengthy 0% APR period. The It Miles features the same 15 months of no interest as the chrome and It Cash Back, but earns unlimited miles versus cash back. Those miles are earned at a rate of 1.5X miles per dollar spent, with no cap and no miles expiration. Even better, the card also enjoys Discover’s Cashback Match. 

Other Options to Consider

Want some more 0% intro APR credit card options to consider? Here are two cards that just missed out on our top spots:

amex everyday preferred 0 intro apr

Amex EveryDay® Preferred Credit Card

The Amex EveryDay® Preferred Credit Card touts 3X points at U.S .supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on other eligible purchases. New accounts also enjoy 0% intro APR for 12 months on purchases.


U.S. Bank Visa® Platinum Card

he U.S. Bank Visa Platinum Card is designed to compete directly with BT heavyweights like the Chase Slate Edge and the Citi Simplicity. The card comes with an array of 0% APR offers and more.

Featured photo by shotput / PixaBay

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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