Best 0% APR Credit Cards

by contentwriter

Author: Mike Darwin

Credit cards are notorious for having higher fees than many other financial products. However, some cards provide a 0% APR promotional term. Some 0% APR credit cards prevent you from paying interest on transactions and debt transfers. In contrast, others simply allow one or the other. When evaluating 0% APR cards, remember that some may miss features, such as incentives and other advantages, that will keep you using the card long after the promotional time has ended.

We’ve compiled a list of some of our favorite 0% APR credit cards to assist you in deciding which one is best for you.

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card provides a 0% initial APR on transactions and qualified debt transfers for 18 months from account setup. Extension of the intro APR for three months with on-time minimum payments during the intro period. After that, the dynamic APR ranges from 15.99% to 27.99%; balance transfers made within 120 days qualify for the intro rate and charge of 3%, followed by a BT cost of up to 5%, with a minimum of $5.


  • You can get a long intro rate on purchases and qualified debt transfers.
  • Longer-term advantages include mobile phone insurance (up to $600)


  • The promotional interest offer might be confusing with the limitations of getting a full 21 months at the intro rate.
  • Standard rewards are not available with the card.

Chase Freedom Unlimited®

If you’re looking for an adaptable card with minimal holding costs, this one has a lot of promise. This card stands out because it lacks an annual fee, various reward redemption possibilities, and excellent cardholder benefits such as travel cancellation/interruption insurance.


  • This card’s sign-up bonus is relatively simple to obtain. Earn an extra 1.5 percent cash back on everything you spend (up to $20,000 in purchases in the first year).
  • There is no yearly fee with this card.
  • Purchases have a 0% intro APR for 15 months.


  • To get 5% back on travel, you must purchase through the Ultimate Rewards system.
  • This card has a fee for foreign transactions of 3%.

U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum Card is the best option for avoiding credit card interest. 

It offers an extended intro APR of 0% on purchases and debt transfers. 

With a 0% introductory APR, this credit card is an excellent choice for people who need as much time as possible to pay off large expenditures or credit card debt. However, it doesn’t reap any dividends and offers few advantages. 

  • Extended 0% intro APR offer
  • No yearly charge
  • Cell phone security
  • Monitoring your credit score for free
  • There are no rewards
  • Foreign exchange commission

BankAmericard® credit card

Bank Americard credit card is suitable for cardholders who wish to take advantage of the intro APR offer while paying off debt fast or avoiding interest on purchases. 

Additionally, it includes a sign-up bonus, which is uncommon in this area. Review the pros and cons below to determine if the BankAmericard credit card is the best option for your financial objectives. 

  • A welcome bonus
  • Extended 0% intro APR offer
  • No yearly charge
  • Free FICO Score
  • Penalty-free APR
  • There are no rewards
  • Charges for balance transfers


It would be best to look into 0% APR credit cards to get the lowest interest rate possible. These cards offer zero percent interest for a certain period, usually 15 months or less. 

It means that you won’t have to worry about paying high-interest rates. You can find these cards through banks, credit unions, and other financial institutions. The best way to choose the best 0% APR card is to compare them. This article compares features, fees, benefits, rewards programs, customer service, and more.

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