Three 0% Intro APR Credit Cards to Check Out in May 2025

KEY POINTS
- 0% intro APR cards give you time to pay off debt on large purchases and balance transfers.
- Some cards offer up to 21 months with no interest.
- Our top picks include the Wells Fargo Reflect® Card (see rates and fees), Citi Simplicity® Card, and Chase Freedom Flex®.
If you're planning a large purchase or looking to pay off existing debt, a credit card with a 0% intro APR can be an excellent move.
These cards let new cardholders avoid interest for a set period -- often a year or more -- so you can pay off your balance without extra costs. If you can pay off what you owe before the intro period ends, you can avoid hundreds or even thousands in interest over time.
Here are three of the best 0% intro APR credit cards to consider in May 2025.
1. Wells Fargo Reflect® Card: Longest 0% intro APR
Good/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% 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 intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, 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. 17.24%, 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.
The Wells Fargo Reflect® Card (see rates and fees) offers the longest 0% intro APR period that we've found: 21 months from account opening on qualifying balance transfers and purchases. That's nearly two years to pay down your balance without extra charges.
The card also has a $0 annual fee and a balance transfer fee of 5%, min: $5.
Apply now for the Wells Fargo Reflect® Card (see rates and fees) and get up to 21 months from account opening of 0% intro APR on purchases and balance transfers.
2. Citi Simplicity® Card: Great for balance transfers
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
18.24% - 28.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer 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).
Long intro balance transfer APR
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This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends.
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- Great intro APR
- No annual fee
- No late fees
- No penalty APR
- Choose your own payment date
- No rewards
- Foreign transaction fee
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- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- Stay protected with Citi® Quick Lock
The Citi Simplicity® Card offers 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases. Then, a go-to APR of 18.24% - 28.99% (Variable) applies. It also has a $0 annual fee, no late fees, and no penalty APRs, so it's a great pick if you want flexibility while paying down debt.
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). So you can save on your balance transfer by completing it within the intro period.
Apply for the Citi Simplicity® Card today (see rates and fees) to avoid fees and save big on your next balance transfer.
3. Chase Freedom Flex®: Strong rewards alongside 0% intro APR
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
18.99% - 28.49% Variable
Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offer
Annual Fee
$0
Welcome Offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonus
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This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.
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- Big sign-up bonus
- Lucrative cash back program
- Long 0% intro APR
- No annual fee
- Purchase and travel protections
- Foreign transaction fee
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- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 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 unlimited 1% cash back 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!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99%-28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
The Chase Freedom Flex® (see rates and fees) gives you 15 months of 0% intro APR on purchases and balance transfers -- plus valuable spending rewards that continue after the intro period ends.
You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
If you want both low interest and long-term value, the no-annual-fee Chase Freedom Flex is a great choice. Apply for the Chase Freedom Flex® today (see rates and fees) to start earning rewards and avoiding interest.
Avoid interest for up to 21 months today
Whether you're paying down debt or planning a large expense, a 0% intro APR credit card can help you duck interest for months to come. These three cards offer some of the best deals available right now.
Looking for alternatives? Check out our list of the best balance transfer credit cards so you can pay off your debt interest-free.
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