7 Best 0% APR Cards of 2026
Finance a large purchase or pay down debt with up to 21 months of zero interest. These cards charge nothing on purchases during the intro period — as long as you pay on time.
See Your Best 0% APR Card Offers
Compare live, pre-qualified 0% intro APR offers personalized to your credit profile. Check your odds without impacting your credit score.
Quick Answer: Best 0% APR Cards
Wells Fargo Reflect® — 21 months on purchases
Chase Freedom Unlimited® — 15 months + 1.5–5% cashback
Blue Cash Everyday® from Amex — 15 months + 3% at supermarkets
U.S. Bank Visa® Platinum — 15.24%+ after intro ends
Full Reviews: Best 0% APR Credit Cards
Wells Fargo Reflect® Card
Pros
Up to 21 months 0% intro APR on purchases and qualifying balance transfers, $0 annual fee, cell phone protection up to $600, My Wells Fargo Deals cashback offers
Cons
No rewards program on purchases, 5% balance transfer fee during intro period, high ongoing APR after intro ends, no sign-up bonus
Citi Simplicity® Card
Pros
No late fees ever, no penalty APR, no annual fee, 21-month 0% on balance transfers helps consolidate existing debt alongside new purchases
Cons
Shorter purchase intro period (12 months) vs balance transfer period, no rewards or sign-up bonus, 3% balance transfer fee
BankAmericard® Credit Card
Pros
18-month 0% on purchases and balance transfers, competitive ongoing APR, $0 annual fee, access to Bank of America digital tools
Cons
No rewards program, no sign-up bonus, 3% balance transfer fee ($10 minimum)
Chase Freedom Unlimited®
Pros
1.5%–5% cashback on all purchases, $200 sign-up bonus after $500 in 3 months, 15-month 0% intro APR, pairs with Chase Sapphire for travel point boosts
Cons
Shorter intro period than top picks, 3% foreign transaction fee, balance transfer must be requested within 60 days of account opening
Blue Cash Everyday® from Amex
Pros
3% at U.S. supermarkets (up to $6K/year), 3% at U.S. gas stations, 3% U.S. online retail purchases, $200 statement credit after $2K in 6 months, $0 annual fee
Cons
15-month intro period is shorter than top picks, 2.7% foreign transaction fee, Amex acceptance slightly less universal than Visa/MC
U.S. Bank Visa® Platinum Card
Pros
18-month 0% intro APR, lowest ongoing APR in this group (15.24%+), $0 annual fee, cell phone protection
Cons
No rewards program, no sign-up bonus, limited perks beyond the APR benefit
Citi® Diamond Preferred® Card
Pros
21-month 0% on balance transfers, 12-month 0% on purchases, $0 annual fee, Citi Entertainment access
Cons
No rewards, no sign-up bonus, 5% balance transfer fee, purchase intro period shorter than Wells Fargo Reflect
Side-by-Side Comparison
| Feature | WF Reflect® | BankAmericard® | Freedom Unlimited® | US Bank Platinum |
|---|---|---|---|---|
| 0% Purchase APR | 21 monthsBest | 18 months | 15 months | 18 months |
| Annual Fee | $0 | $0 | $0 | $0 |
| Rewards | None | None | 1.5–5%Best | None |
| Sign-Up Bonus | None | None | $200Best | None |
| Ongoing APR (low end) | 17.24% | 16.24% | 20.24% | 15.24%Best |
| Cell Phone Protection | Yes ($600)Best | No | No | Yes ($600) |
Which 0% APR Card Should You Get?
If you need to finance…
Large appliance or home project
Wells Fargo Reflect® (21 months)
Maximum time to pay off a $2,000–$10,000 purchase with zero interest
If you need to finance…
Upcoming medical expense
BankAmericard® or US Bank Platinum (18 months)
Long runway with no annual fee; US Bank has lower ongoing APR if balance lingers
If you need to finance…
Everyday spending you want to earn rewards on
Chase Freedom Unlimited® (15 months)
1.5–5% cashback plus 15 months interest-free; pairs with Chase Sapphire
If you need to finance…
Grocery budget plus a purchase to finance
Blue Cash Everyday® from Amex (15 months)
3% at supermarkets, gas stations, and online retail plus 15-month intro period
Know your credit score before you apply
Check your credit score for free to see which 0% APR cards you're most likely to qualify for — no impact to your score.
Check My Score Free →Sponsored partner
Frequently Asked Questions
500+ Opportunities
500+ Opportunities
Updated Daily
Updated Daily
100% Free Tools
100% Free Tools
$80B+ Unclaimed
$80B+ Unclaimed
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
Get the best card deals weekly
Expert credit card picks, rate alerts, and money-saving strategies. Free.
Join 10,000+ readers. No spam, unsubscribe anytime.
Updated June 16, 2026.