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Best 0% Intro APR Credit Cards for 2026: Up to 21 Months With No Interest

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

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.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

The best 0% intro APR credit cards give you up to 21 months to pay off a purchase or a transferred balance without paying a cent of interest. That's real breathing room -- nearly two years where every dollar goes to your balance instead of finance charges.

That window matters more than ever. The average credit card APR sits around 21% (Federal Reserve data), so carrying a balance on a regular card gets expensive fast. A 0% intro APR period hits pause on that meter.

The right card depends on your goal. Some offers stretch the 0% period as long as possible. Others layer in rewards, low fees, or extra flexibility. We've rounded up the best 0% intro APR cards for the most common money goals, so you can match one to your plan and save the most in 2026.

  • 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.

Our top 0% intro APR picks

Best for financing a large purchase: Wells Fargo Reflect® Card (rates and fees)

  • With a 0% intro APR for 21 months from account opening on purchases and balance transfers, this card provides one of the longest no-interest periods available, making it perfect for financing a major expense like home improvements, medical bills, or travel. While it doesn't offer rewards, the extended 0% intro period makes up for it by giving you almost two years to pay off your purchase without paying a dime in interest. The annual fee is $0, but balance transfers come with a fee of 5%, min: $5. After the intro period, the go-to 17.49%, 23.99%, or 28.24% Variable APR applies.

Best for travel rewards and new purchases: Bank of America® Travel Rewards credit card

  • The Bank of America® Travel Rewards credit card is a rare find -- a travel rewards card with a 0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days, then 17.49% - 27.49% (Variable) APR. That means you can finance a trip or big purchase interest-free while earning unlimited 1.5 points per $1 spent on everyday purchases. Plus, new cardholders can also score 25,000 bonus points after spending $1,000 in the first 90 days -- worth $250 toward travel!

Best 0% intro APR credit cards

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Wells Fargo Reflect® Card

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Rates & Fees External Link Icon

Wells Fargo Reflect® Card
5.00/5 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.
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= Excellent
= Good
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= Poor
5.00/5 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.
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= 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)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

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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.

Good/Excellent (670-850)

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 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

17.49%, 23.99%, or 28.24% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • 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 (17.49%, 23.99%, or 28.24% 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.

    Read Full Review
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • 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. 17.49%, 23.99%, or 28.24% 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.

Discover it® Cash Back

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Discover it® Cash Back
5.00/5 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.
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= Excellent
= Good
= Fair
= Poor
5.00/5 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
Apply Now for Discover it® Cash Back

On Issuer's Secure Website.

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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.

Good/Excellent

Intro APR

Purchases: 0% intro APR on purchases for 15 months

Balance Transfers: 0% intro APR on balance transfers for 15 months

Regular APR

17.49% - 26.49% variable APR after that; balance transfer fee applies

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. 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.

  • 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
    • Early spend bonus
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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. No annual fee.
    • 0% intro APR on purchases and balance transfers for 15 months; 17.49% - 26.49% variable APR after that; balance transfer fee applies.
    • Terms and conditions apply.
Award Icon 2026 Award Winner

Citi® Diamond Preferred® Card

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Citi® Diamond Preferred® Card
4.90/5 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.
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= Excellent
= Good
= Fair
= Poor
4.90/5 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)
Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

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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.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

16.49% - 27.24% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This card sets itself apart with one of the longest 0% intro APR periods available — 21 months on qualifying balance transfers — plus a lower intro balance transfer fee of just 3% for the first 4 months. That combination can help you move your balance for less and pay it down without interest for nearly two years. If you want maximum time to get out of debt while keeping upfront costs low, this is one of the strongest offers available right now.

    Read Full Review
    • Great intro APR
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • 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 16.49% - 27.24%, 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).
    • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
    • Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
    • Get free access to your FICO® Score online.
Award Icon 2026 Award Winner

Chase Freedom Unlimited®

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Chase Freedom Unlimited®
4.80/5 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
4.80/5 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)
Apply Now for Chase Freedom Unlimited®

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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.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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

18.24% - 27.74% Variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn $200 cash back

  • The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet.

    Read Full Review
    • 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
    • Earn a $200 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    • 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

Chase Slate®

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Chase Slate®
5.00/5 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
5.00/5 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)
Apply Now for Chase Slate®

On Chase's Secure Website.

Rates & Fees External Link Icon

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.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 21 months

Purchases: 0% Intro APR on Purchases, 21 Months

Balance Transfers: 0% Intro APR on Balance Transfers, 21 Months

Regular APR

18.24% - 28.24% Variable

Rewards Circle with letter I in it. N/A

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter

0% Intro APR for 21 months on purchases and balance transfers

  • A savvy choice for chipping away at debt with a lengthy intro APR offer on purchases and balance transfers. Plus, peace of mind with purchase and travel protections, all for no annual fee.

    Read Full Review
    • Great intro APR
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
    • No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
    • Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
    • Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
    • Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
    • Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
    • Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
    • Member FDIC
Award Icon 2026 Award Winner

Bank of America® Travel Rewards credit card

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Bank of America® Travel Rewards credit card
4.70/5 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
4.70/5 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)
Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Bonus offer

Earn 25,000 bonus points when you spend just $1,000 in your first 90 days — that’s worth $250 toward travel with this favorite card!

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.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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 17.49% - 27.49% 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 5%. 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

17.49% - 27.49% (Variable)

Rewards Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on everyday 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 BofA Travel.

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 (worth $250 travel credit)

  • If you’re looking for a top travel card without an annual fee, this one is tough to beat. It offers a generous welcome bonus worth $250 after spending just $1,000 within 90 days of account opening, plus a simple yet valuable rewards structure: unlimited 1.5X points on all purchases and 3X points on travel booked through BofA Travel.

    A 0% intro APR period of 15 billing cycles for both purchases and balance transfers (then 17.49% - 27.49% (Variable)) allows you to avoid interest for over a year – a very rare perk for a travel card. And while many travel cards charge hundreds of dollars in annual fees, this one charges $0 – making it one of our top value picks.

    Read Full Review
    • Big sign-up bonus
    • No annual fee
    • Competitive rewards rate on purchases
    • Great intro APR offer on purchases and balance transfers
    • Limited ways to use 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 everyday 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 BofA Travel.
    • Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
    • 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America content updated on 8/3/26.

BankAmericard® credit card

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On Bank of America's Secure Website.

BankAmericard® credit card
5.00/5 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
5.00/5 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)
Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

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.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% 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 21 billing cycles for purchases

Balance Transfers: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

14.99% - 25.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • No rewards program, no welcome bonus -- and that's exactly the point. The BankAmericard® Credit Card is built for one thing: giving you the longest possible runway to pay down debt interest-free. At 21 billing cycles of 0% intro APR for both purchases and balance transfers made within the first 60 days (a 14.99% - 25.99% variable APR applies after), it's one of the longest intro periods out there. No annual fee means nothing eating into your savings while you chip away at what you owe. If you want rewards, look elsewhere. If you want time, this is a great option.

    Read Full Review
    • No annual fee
    • No penalty APR
    • Great 0% intro APR offer
    • No rewards
    • Balance transfer fee
    • 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
    • No annual fee.
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America content updated on 8/3/26.

These cards are designed for people looking to pay off a large purchase or transfer a balance — so our ratings emphasize interest-free periods, fee structures, and how much time you really get to pay things down.

Our highest-rated 0% APR cards have:

  • Extended intro APR periods on purchases or balance transfers
  • Low or waived balance transfer fees
  • Solid ongoing value beyond the intro period, like no annual fee
  • Top-of-market features that stand out from competitors

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit 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.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

These cards are designed for people looking to pay off a large purchase or transfer a balance — so our ratings emphasize interest-free periods, fee structures, and how much time you really get to pay things down.

Our highest-rated 0% APR cards have:

  • Extended intro APR periods on purchases or balance transfers
  • Low or waived balance transfer fees
  • Solid ongoing value beyond the intro period, like no annual fee
  • Top-of-market features that stand out from competitors

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit 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.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What is a 0% intro APR credit card?

A 0% intro APR credit card charges no interest on purchases, balance transfers, or both for a set introductory period -- usually 12 to 21 months. During that window you pay zero interest, so every payment goes straight to what you owe.

Important note: you still need to make at least minimum payments each month. If you miss a payment, many cards will void the 0% intro APR offer and begin charging an extremely high penalty APR.

Once the intro APR period ends, the card's regular APR kicks in on any balance that's left. So the goal is simple: clear the balance before the clock runs out. Do that, and you've basically borrowed money for free.

How a 0% intro APR card can help you save

A 0% intro APR card helps in three main ways: crushing high-interest debt, financing a big purchase, and covering surprise costs.

  • Wipe out high-interest debt with a balance transfer. A balance transfer moves existing debt onto a 0% intro APR card so it stops piling up interest. If you're paying 20%+ on a balance, every payment during the intro period goes to principal instead of the bank. That can save you hundreds (sometimes thousands) as long as you clear it before the promo ends. For options, see the best balance transfer cards.
  • Finance a big purchase without interest. Putting a major expense on a 0% intro APR card lets you spread payments over months without interest piling up. Replacing a fridge or paying for a wedding this way works like an interest-free loan. Just budget for the monthly payments and clear the balance before the regular rate hits.
  • Handle a surprise expense. A 0% intro APR card can act as a short-term safety net for unexpected bills. It buys you time to cover the cost without draining your emergency fund or paying sky-high interest.

What to look for in a 0% intro APR card

The best 0% intro APR card for you comes down to five things: the length of the intro period, balance transfer terms, the go-to APR, fees, rewards, and the credit score needed to qualify.

  1. Length of the 0% intro APR offer. Length is the biggest difference between cards. Offers run from 12 months to as long as 21 months -- and even a few extra months can save you real money.
  2. Balance transfer terms. Balance transfers usually come with a fee of 3% to 5%, plus a deadline. Many cards give you only 60 to 120 days after opening to transfer a balance at the intro rate.
  3. The go-to APR. The regular APR applies the moment the intro period ends. Note it before you apply so a leftover balance doesn't catch you off guard.
  4. Fees. Watch for annual fees, balance transfer fees, and foreign transaction fees. Most 0% intro APR cards charge no annual fee, but always check.
  5. Rewards. Some 0% intro APR cards also earn cash back or travel points. Those are nice to have -- but if you're transferring debt, focus on payoff, not perks. If rewards matter more to you, compare the best travel rewards credit cards.
  6. Credit score. Most 0% intro APR cards need good to excellent credit. That means a FICO® Score of about 670 or higher. Paying your bills on time and keeping balances low can boost your odds of approval.

Who should get a 0% intro APR credit card?

A 0% intro APR card makes sense for anyone carrying high-interest debt, planning a big purchase, or wanting a no-interest cushion for emergencies.

These cards aren't just for people buried in debt, though they're a lifesaver in that case. They're just as useful for a planned expense, like buying a new fridge, a home project, or a much-needed trip.

Business owners have 0% intro APR options too; see the best business credit cards. Use one with intention and you'll save big in the long run.

How to make the most of a 0% intro APR period

To get the full value of a 0% intro APR card, have a payoff plan before you spend a dollar.

  • Set a monthly payoff target. Divide your balance by the number of intro months so you clear the full amount in time. For example, if you have a $3,000 balance and an 18-month intro APR offer, aim to make payments of $167 a month to pay off the entire balance with no interest.
  • Automate at least the minimum. One late payment can kill the 0% intro APR offer. Autopay makes sure you never miss a due date.
  • Transfer balances right away. If you're doing a balance transfer, move it over early so you get the full interest-free runway.
  • Skip the extra spending. Treat the card as a single-mission tool, not a free pass to splurge.

Used with intention, a 0% intro APR card creates real breathing room -- and helps you keep more of your money in 2026.

FAQs

  • Usually not. Once the intro period ends, the card's regular APR applies and you can't renew the promo. Your best move is a new balance transfer to another 0% intro APR card -- though a fresh application and transfer fee come with it.

  • Yes. Most cards charge a balance transfer fee of 3% to 5% of the amount you move, even during the 0% intro APR period. On a $5,000 transfer, that's $150 to $250. Factor it in -- it's still usually far cheaper than the interest you'd owe otherwise.

  • A single late payment can cancel your 0% intro APR and trigger a penalty APR. The best way to avoid this is to set up autopay for at least the minimum to protect the offer. If you accidentally miss a payment, call the issuer ASAP to discuss options and review their terms.

  • Honestly, it's tough. Most 0% intro APR offers go to people with good to excellent credit. With fair or rebuilding credit, look at secured cards or shorter intro offers, and focus on on-time payments to qualify for better deals later.