3 Top 0% Intro APR Credit Cards You Can Get Right Now
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A 0% intro APR credit card is kind of like hitting pause during a high-pressure moment. Everything slows down. The interest clock stops ticking. And you finally get a chance to reset your footing before things spiral further.
That breathing room matters. With average credit card APRs topping 21% in 2025, even carrying a small balance can turn into an expensive uphill battle.
A 0% intro APR offer gives you a window to pay off debt or fund a large purchase without new interest dragging you backward.
Below are three standout options you can get today, each excelling in a different area.
1. Wells Fargo Reflect® Card: Built for long-term interest relief
The Wells Fargo Reflect® Card (rates and fees) offers one of the longest intro APR periods available right now.
You'll get 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases (a 17.74%, 24.24%, or 28.49% Variable APR applies after). Just make sure any transfers happen within the first 120 days to secure the intro rate.
Why it's our top pick:
- Super long, interest-free runway to attack debt
- Applicable to both balance transfers and new purchases
- $0 annual fee
- Included cellphone protection (up to $600 when paying your bill with the card, terms apply)
If you need the most time possible to attack your debt and make real progress without interest piling up, this card gives you the runway to do it. As long as you stay disciplined and finish the job before the intro window ends, this card can help you wipe out debt faster.
2026 Award Winner
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= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
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= Fair
= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.74%, 24.24%, or 28.49% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.
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- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- 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. 17.74%, 24.24%, or 28.49% 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.
2. Chase Freedom Unlimited®: A rewards powerhouse with a hidden APR perk
The Chase Freedom Unlimited® (see rates and fees) is primarily known as a rewards credit card. In fact, it just took home Motley Fool Money's award for Best Cash Back Credit Card of 2026!
But what many people miss is that it also comes with a surprisingly strong 0% intro APR offer, making it a rare dual-threat.
You'll get 0% intro APR for 15 months on purchases and balance transfers, followed by a 18.49% - 27.99% Variable APR.
Perks you'll love:
- 5% cash back on travel purchased through Chase Travel
- 3% cash back at drugstores, restaurants, takeout, and eligible food delivery
- Earn unlimited 1.5% cash back on all other purchases
- $0 annual fee
If you've got a big purchase coming up, this card offers a helpful interest-free buffer while stacking rewards along the way. And unlike many 0% intro APR cards, this one stays valuable long after the promo ends (which is why it's a keeper in my own wallet!).
2026 Award Winner
= Best
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= Best
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= PoorEarn a $300 bonus after spending $500 in the first 3 months -- the richest bonus this card has ever had. Ends at 9 AM EST on 1/15/26.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
18.49% - 27.99% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee
$0
Welcome Offer Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $300 cash back
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The Chase Freedom Unlimited® delivers strong upfront value and everyday rewards. Earn a $300 bonus after spending $500 in the first 3 months -- the richest bonus this card has offered, and it’s only available through 9 AM EST on 1/15/26. You’ll also earn 3% on dining and drugstores, 5% on Chase Travel, and 1.5% back on everything else. With a 0% intro APR for 15 months, it’s an easy pick for a one-card wallet.
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- Innovative sign-up bonus
- Purchase and travel protections
- Robust rewards program
- Great intro APR
- No annual fee
- Limited bonus opportunities on everyday spending
- Foreign transaction fee
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- Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
3. Discover it® Cash Back: Great for new purchases and everyday spending
The Discover it® Cash Back card is another strong choice if your main goal is flexibility. It includes a 0% intro APR for 15 months on purchases and 15 months on balance transfers, followed by a 17.74% - 26.74% Variable APR.
Plus, it's got great cash back earning potential. Here's what you get:
- 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
- Unlimited 1% cash back on all other purchases
- $0 annual fee
And the signature twist: Discover will match all the cash back you’ve earned at the end of your first year. Only available to new cardmembers. So if you earn $300 in cash back, it doubles to $600.
That bonus alone can make year one especially rewarding for anyone putting regular spending on the card.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.74% - 26.74% Variable APR
Rewards 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.
1% - 5% Cashback
Annual Fee
$0
Welcome Offer 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.
Discover will match all the cash back you’ve earned at the end of your first year.
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We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories each quarter (when you activate them, up to the quarterly maximum) and 1% on other purchases.
Read Full Review -
- Rotating bonus categories
- Welcome bonus offer
- Great intro APR offer
- No annual fee
- No foreign transaction fee
- No fixed bonus categories
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- 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 now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Always use 0% intro APR cards responsibly
We all know credit cards can be dangerous if you don't use them right. Well, a 0% intro APR card can sometimes give users a false sense of "free money" because they don't feel the pain of interest right away.
Cards with 0% intro offers should be used very intentionally. Think of the interest-free window as an opportunity -- not permission to spend more.
A few quick tips for success:
- Pay your bills on time, every time. One late payment can cancel your intro APR and ding your credit.
- Aim to pay off the full balance before the promo ends. Choosing the longest intro APR period can give you the most time to achieve this.
- Stay within your budget. These cards are designed to help you manage debt, not create new problems.
If you can stick to these rules, a 0% intro APR card can lighten your financial load and help you regain control of your finances.
See all of today's top 0% intro APR credit card offers and find the right fit.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.