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Slash Your Interest Payments — 0% Intro APR for Up to 21 Months!

by:  Motley Fool Money Staff | May 19, 2025
Motley Fool Money is 100% free thanks to commissions we receive from our partners including for the offers on this page, but this never influences our product ratings.
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Want to save big on interest or pay off debt faster? These credit cards offer 0% Intro APR for up to 21 months — ideal for making a purchase, consolidating debt, or earning rewards.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Cash Back Rewards

Discover it® Cash Back

Great for: Unlimited Cashback Match

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Logo for Discover it® Cash Back
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable APR

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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.
  • 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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 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.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
  • 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.

Discover it® Cash Back offers an excellent 0% introductory interest period of 15 months on both purchases and balance transfers, but that’s far from the only great perk of this card. (After the intro period, the go-to 18.24% - 27.24% Variable APR applies.) In fact, we think this card has among the highest cash back potential for cards with no annual fee. The key is the strong cash back rate plus the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. For example, in your first year if you earn $300 in cash back, Discover will match that $300 for a total of $600 cash back.

Apply now for the Discover it® Cash Back card

Balance Transfer

Wells Fargo Reflect® Card

Great for: Balance Transfers

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Logo for Wells Fargo Reflect® Card
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Intro APR Circle with letter I in it. 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
  • 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 has one of the longest interest-free periods we have seen with a 0% Intro APR period of 21 months from account opening on both purchases and balance transfers. You won’t get rewards with this card, but if your priority is a long 0% Intro APR period on either purchase or balance transfers (or both), then it’s tough to beat Wells Fargo Reflect® Card. And the best part? You get this lengthy interest-free period for a $0 annual fee. (See rates and fees.)

Apply now for the Wells Fargo Reflect® Card

Cash Back Rewards

Discover it® Chrome

Great for: Balance Transfers

Apply Now for Discover it® Chrome

On Discover's Secure Website.

Rates & Fees External Link Icon

Logo for Discover it® Chrome
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Discover it® Chrome

On Discover's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

18.24% - 27.24% Variable APR

Rewards Circle with letter I in it. 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

1% - 2% Cashback

Annual Fee

$0

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.
  • 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 your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
  • No annual fee.
  • Terms and conditions apply.

Offering one of the longest 0% intro APR periods for balance transfers that we’ve seen, Discover it® Chrome allows you to pay 0% intro APR for a whopping 18 months on balance transfers. (After the intro period, the go-to 18.24% - 27.24% Variable APR applies.) But that’s not all. This unique card also offers the potential for a large cash-back bonus and a competitive cash-back rate on top of the stellar balance transfer offer – and all for a $0 annual fee. If a lengthy 0% intro balance transfer period is most important to you, it’s tough to beat Discover it® Chrome – and you get some added perks on top of that with this card.

Apply now for the Discover it® Chrome card

Travel Rewards

Bank of America® Travel Rewards credit card

Great for: Travel Rewards

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Logo for Bank of America® Travel Rewards credit card
4.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. 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.

1.5-3 points per dollar

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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

25,000 points
  • 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.

This is not just a great travel card, but also a fantastic all-around interest-busting credit card. Featuring a rare list of perks, it offers an excellent 0% Intro APR of 15 billing cycles on both purchases and balance transfers, and unlimited 1.5X points on all purchases, and an easy-to-earn huge welcome bonus worth $250. And the best part? You get all of this for $0 annual fee. If you’re looking for a no-annual-fee credit card with a lengthy 0% Intro APR period and do even just a little bit (or a lot) of traveling, then this card is a smart choice.

Apply now for the Bank of America® Travel Rewards credit card

Cash Back Rewards

Blue Cash Preferred® Card from American Express

Great for: Groceries, Gas, Streaming, and Transit

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Logo for Blue Cash Preferred® Card from American Express
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Intro APR

Purchases: 0% on purchases, 12 months

Balance Transfers: 0%, 12 months

Regular APR

20.24%-29.24% Variable

Rewards Circle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • 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.

This card offers market-leading cash back at U.S. supermarkets (up to $6,000 per year) and select U.S. streaming subscriptions. The welcome bonus and intro APR offer just sweeten the deal. Terms apply. If you spend at least $500 per month on groceries (excluding wholesale clubs and super-stores like Costco and Walmart), this card is worth considering.

Apply now for the Blue Cash Preferred® Card from American Express.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
Travel Rewards

Capital One VentureOne Rewards Credit Card

Great for: Easy-to-Earn Welcome Bonus

Apply Now for Capital One VentureOne Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Logo for Capital One VentureOne Rewards Credit Card
4.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Capital One VentureOne Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 1.25X miles on every purchase, every day. 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.

1.25X-5X miles

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 Miles once you spend $500 on purchases within 3 months from account opening

20,000 Miles
  • $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

This no-annual-fee card offers a generous 0% intro APR period of 15 months on both purchases and balance transfers. Balance transfer fee applies. And what also stands out is the incredibly easy-to-earn sign-up bonus. You can earn a 20,000 Miles bonus after spending only $500 in your first 3 months, equal to $200 in travel (that's like earning 40x miles on that spend!) If a strong 0% intro APR offer, a straightforward travel rewards program, and a sign-up bonus with a low spending hurdle is important to you, then this card is a very solid pick.

Apply now for the Capital One VentureOne Rewards Credit Card

Cash Rewards

Wells Fargo Active Cash® Card

Great for: Unlimited 2% Cash Rewards

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Logo for Wells Fargo Active Cash® Card
5.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00 out of 5
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards
  • 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.

This card’s unlimited 2% cash rewards on all purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a generous intro APR offer. We simply haven’t come across this combination of top perks in one card before.

Apply now for the Wells Fargo Active Cash® Card

There's a right way to swipe

Credit cards with rewards & 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. Motley Fool Money motto to follow:

  1. Pay off your card in full each month.
  2. Choose a card whose features are a good fit for you.
  3. Don't spend more than you already would.

Follow this and you'll be making your money work overtime for you. Live richly, not risky.

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Getting out of debt and building your credit

Is your credit score below 670? If so, you’re less likely to get approved for these cards — but visit this page for our top-rated options for getting out of debt and building your credit.

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Motley Fool Money Staff
By:  Motley Fool Money Staff

Motley Fool Money brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.