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Top Cards With Outstanding 0% Intro APR - Wipe Out Interest for up to 21 Months

by:  Motley Fool Money Staff

Updated Last Updated: Aug. 14, 2026

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. Citi is an advertising partner of Motley Fool Money.

Looking for cards with a 0% introductory interest rate to fund a purchase, consolidate debt, or earn cash back? You've come to the right place. These are our favorite credit cards with 0% Intro APR offers:

Discover it® Cash Back

Great for: Unlimited Cashback Match

Apply Now for Discover it® Cash Back

On Issuer's Secure Website.

Rates & Fees External Link Icon

Logo for Discover it® Cash Back
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

Good/Excellent

Apply Now for Discover it® Cash Back

On Issuer's Secure Website.

Rates & Fees External Link Icon

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.
  • 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.

With 0% intro APR for 15 months on purchases and balance transfers, this card is a great way to save on interest while earning rewards. (17.49% - 26.49% variable APR after that; balance transfer fee applies.) We really like the 5% cash back on rotating quarterly categories that you activate, up to the quarterly spending limit, and 1% on all other purchases. Plus, Discover matches all your cash back at the end of the first year, which makes it even more rewarding.

Apply now for the Discover it® Cash Back Card

Bank of America® Customized Cash Rewards credit card

Great for: High Cash Back + 0% Intro APR

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Logo for Bank of America® Customized Cash Rewards credit card
4.80 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
4.80 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® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bonus Offer

Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.

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 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.

1% - 6% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200 cash back
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 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.

This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America BofA Rewards program member, this card will be even more valuable for you.

Apply now for the Bank of America® Customized Cash Rewards credit card

Bank of America content updated on 8/3/26.

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
4.70 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
4.70 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.

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!

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)
  • 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.

If you’re looking for a simple travel rewards card, the 0% Intro APR for 15 billing cycles on purchases is a standout feature. (After the intro period, the go-to rate of 17.49% - 27.49% (Variable) applies.) We like the unlimited 1.5X points on every purchase, and with no annual fee or foreign transaction fees, it’s a great option for frequent travelers.

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

Bank of America content updated on 8/3/26.

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
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 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 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
  • 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.

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 qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after.) 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.

Apply now for the Wells Fargo Reflect® Card Card

Citi Double Cash® Card

Great for: Unlimited Cash Back

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Logo for Citi Double Cash® Card
4.90 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
4.90 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 Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

17.49% - 27.49% (Variable)

Rewards Circle with letter I in it. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • 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).

This card offers a powerful combination of 0% intro APR for 18 months on Balance Transfers and unlimited 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn $200 after spending $1,500 in the first 6 months. With great rewards, $0 annual fee, and a generous intro offer, it's an excellent choice for everyday spending and balance transfers!

Apply now for the Citi Double Cash® Card

Discover it® Chrome

Great for: Balance Transfers

Apply Now for Discover it® Chrome

On Issuer's Secure Website.

Rates & Fees External Link Icon

Logo for Discover it® Chrome
4.70 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
4.70 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

Good/Excellent

Apply Now for Discover it® Chrome

On Issuer's Secure Website.

Rates & Fees External Link Icon

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

17.49% - 26.49% 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 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.

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. 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. You'll still earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
  • Redeem cash back for any amount
  • No annual fee.
  • Terms and conditions apply.

Offering one of the longest 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 17.49% - 26.49% 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 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

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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.

Our Credit Cards Experts

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.