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Pay 0% Intro APR Until 2026
Banks are offering incredibly long periods of 0% Intro APR interest. If you’re carrying a balance on a high-interest credit card or have a big purchase coming up, it’s time to switch cards and save money. Compare top 0% intro APR cards from our partners below to find your perfect match.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $0
- Regular APR 18.24% - 27.24% Variable APR
-
Rewards Rate1% - 5% cash back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$139
-
Est. First Year Rewards
$1,666
The Bottom Line
The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best welcome offers on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
Our Take
The Good
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge welcome offer in your first year.
The Not So Good
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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
- Apply and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
40,797 users have viewed this card in the last 30 days.
- Annual Fee $0
- Regular APR 18.24% - 27.24% Variable APR
-
Rewards Rate1% - 2% cash back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
N/A
-
Est. Monthly Rewards
N/A
-
Est. First Year Rewards
N/A
The Bottom Line
The Discover it® Chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn extra rewards for restaurant and gas purchases, this card is a great choice!
Our Take
The Good
Cardholders won’t have to pay an annual fee and will earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Cash back doesn't expire and can be redeemed for any amount.
The Not So Good
The top rewards categories cap out at $1,000 in combined purchases per quarter.
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
- Annual Fee $0
- Regular APR 17.24%, 23.74%, or 28.99% Variable APR
-
Rewards RateNone
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you need as much breathing room as possible, the Wells Fargo Reflect® Card, an industry-leading low interest card, may be right for you.
Our Take
The Good
The Wells Fargo Reflect® Card offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR– that’s about as good as you’re going to find out on the market today.
The Not So Good
Beyond the (admittedly exceptional) 0% intro APR programs, this card doesn’t have a whole lot else on offer, like a top-shelf rewards program or welcome offer.
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. 17.24%, 23.74%, or 28.99% 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.
68,965 users have viewed this card in the last 30 days.
- Annual Fee $0
- Regular APR 18.24% - 28.24% (Variable)
-
Rewards Rate2% - 5% cash back
- Credit Needed Fair / Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$200
-
Est. Monthly Rewards
$127
-
Est. First Year Rewards
$1,723
The Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, 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. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
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 18.24% - 28.24%, 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).
- Annual Fee $0
- Regular APR 18.24% - 28.24% Variable APR
-
Rewards Rate1% - 6% cash back
- Earn 6% cash back for the first year in the category of your choice on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- Earn 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
- Earn unlimited 1% cash back on all other purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$48
-
Est. First Year Rewards
$771
The Bottom Line
The Bank of America® Customized Cash Rewards credit card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending.
Our Take
The Good
If earning cash back is your goal, the Bank of America® Customized Cash Rewards credit card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire as long as your account remains open.
The Not So Good
It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency are subject to a heavy surcharge of 3%.
Card Details
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 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 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
- Annual Fee $0
- Regular APR 19.24% - 29.24% (Variable)
-
Rewards Rate1.25X - 5X Miles
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$78
-
Est. First Year Rewards
$1,141
The Bottom Line
The Capital One VentureOne Rewards Credit Card is a flexible travel rewards card with a $0 annual fee and a solid rewards rate. There is also a nice intro APR and a generous sign up bonus.
Our Take
The Good
This card offers a solid rewards rate and sign-up bonus for a travel rewards card with a $0 annual fee. The rewards are very easy to use and you don't have to worry about airline blackout dates.
The Not So Good
This card does feature some solid benefits, but they're not as strong as you might find on other travel cards.
Card Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0
- Regular APR 19.24% - 29.24% (Variable)
-
Rewards Rate1.5% - 5% Cash Back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$65
-
Est. First Year Rewards
$978
The Bottom Line
This card has it all; a solid rewards rate and generous sign up bonus, a nice intro APR, and no annual fee.
Our Take
The Good
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, which is a great way to kick-start your rewards earning. Plus, this card comes with one of the most flexible cash back program on the market.
The Not So Good
Based on our research, you'll need excellent-good credit.
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0
- Regular APR 20.24%-29.24% Variable
-
Rewards Rate1% - 3% cash back
- Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- Earn 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- Earn 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- Earn 1% cash back on other purchases.
- Terms apply.
- Credit Needed Good / Excellent
The Bottom Line
The Blue Cash Everyday® Card from American Express is a robust card with no annual fee. There is a great welcome offer, and you get the exceptional service you’d expect with any Amex credit card. To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Our Take
The Good
With no annual fee, generous rewards rates, and the welcome offer, this is a great card for any consumer. You'll also receive the legendary American Express perks and customer service.
The Not So Good
Outside of the the special bonus categories, you only earn 1% cash back on purchases.
Card Details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Annual Fee $0
- Regular APR 18.24% - 28.24% Variable APR
-
Rewards Rate1.5X - 3X points
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$250
-
Est. Monthly Rewards
$85
-
Est. First Year Rewards
$1,268
The Bottom Line
This card has its benefits when used for traveling purposes. It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.
Our Take
The Good
International travelers don’t have to deal with high costs on transactions that are processed outside the United States, unlike most credit card offers. The Bank of America® Travel Rewards credit card allows you to Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout, and there's no annual fee.
The Not So Good
There aren't many downsides to this card other than it is only available for consumers with excellent-good credit.
Card Details
- 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.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 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 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Annual Fee $0
- Regular APR 19.24%, 24.24%, or 29.24% Variable APR
-
Rewards Rate2% cash rewards on purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$113
-
Est. First Year Rewards
$1,557
The Bottom Line
Overall, this card is an exceptional choice in the world of no-annual-fee rewards cards, especially for those who don’t want to deal with activating rewards categories or worrying about more complicated cash rewards programs.
Our Take
The Good
This card’s unlimited rewards program is best-in-class right now – you won’t find a higher rate of unlimited cash rewards on a no annual fee card today.
The Not So Good
This card doesn’t have the strongest welcome offer and only offers a period of 0% intro APR for 12 months from account opening for purchases and balance transfers.
Card Details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% 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.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.