My Top 3 0% Intro APR Cards for February 2026: Pay No Interest for up to 21 Months

If you're carrying a high-interest credit card balance, those 20%+ APRs make it feel almost impossible to actually clear the principal and become debt-free.

But there's a simple way to press pause on those interest charges. By moving your balance to a 0% intro APR card, every dollar you pay goes directly toward your debt, not the bank's pocket.

My team at Motley Fool Money reviews hundreds of cards every year. Here are three great choices right now that offer runways for debt payoff.

1. Citi Simplicity® Card: Best for balance transfers

If your main goal is to move existing debt and minimize distractions, the Citi Simplicity® Card is likely your best option.

It was recently named Best Balance Transfer Card in the 2026 Motley Fool Money awards.

Here is a quick look at why it's a winner:

• 0% intro APR for 21 months on Balance Transfers
• 0% intro APR for 12 months on Purchases
• A 17.49% - 28.24% (Variable) APR applies at the end of the intro periods
• No annual fee, no late fees, and no penalty APR -- ever!
• 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)

Imagine transferring a $6,000 balance and paying it down steadily over the balance transfer window. Compared to a high-APR card, you could easily avoid over $1,500 in interest charges making the same monthly payments.

2. Wells Fargo Reflect® Card: Best for new purchase financing

The Wells Fargo Reflect® Card (rates and fees) is an excellent choice for anyone who needs a long interest-free period for both existing debt and upcoming big-ticket items.

It also took home our Best 0% Intro APR Card Award for 2026.

Key features include:

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (a 17.49%, 23.99%, or 28.24% Variable APR applies after)
• $0 annual fee
• Cellphone protection: Up to $600 in coverage when you pay your monthly bill with the card (subject to a $25 deductible)

This card is perfect if you’re planning a major expense -- like a big home repair or paying medical bills -- and want nearly two full years to pay it off without interest.

Just remember that balance transfers must be completed within 120 days to qualify for the intro rate.

3. Chase Freedom Unlimited®: Best for long-term value

If you want a long 0% intro APR window but also want a card that earns cash back along the way, the Chase Freedom Unlimited® (see rates and fees) is the one to beat.

Here is what you get:

• 0% intro APR for 15 months on purchases and balance transfers, followed by a 18.24% - 27.74% Variable APR
• Welcome offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Ongoing 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
• $0 annual fee

While the interest-free window is shorter than the 21 months offered by the other cards on this list, the high rewards rate makes it an ideal "keeper" card for your wallet.

Make February the month you take control

A five-minute application for the right 0% intro APR card can save you $1,000+ in interest and get you out of debt months earlier than you thought possible.

Stop feeding the interest machine and start making your money work for you.

Compare all of today's best 0% intro APR credit cards to find your perfect match.