Intro financing

Best 0% APR credit cards

Compare cards that can temporarily lower interest on purchases, balance transfers, or both.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying.

BillSaver picks

Top matches for this category

All-around cash back

Chase Freedom Unlimited®

Annual fee: $0
Rewards: 5% on travel through Chase Travel, 3% on dining and drugstores, 1.5% on other purchases.
Intro APR: 0% intro APR on purchases and balance transfers for 15 months.

A strong starter rewards card because the base rate is better than 1%, the bonus categories are useful, and the annual fee is zero.

See issuer terms

Long intro APR window

Wells Fargo Reflect® Card

Annual fee: $0
Rewards: No rewards program.
Intro APR: 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers.

Built for readers who care more about interest savings than rewards.

See issuer terms

Extra-long balance transfer offer

Citi® Diamond Preferred® Card

Annual fee: $0
Rewards: No rewards program.
Intro APR: 0% intro APR on balance transfers for 21 months and purchases for 12 months.

One of the clearest options when the goal is time to pay down transferred debt.

See issuer terms

Side-by-side table

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Watch out for	Terms
Compare Chase Freedom Unlimited® Chase · Good to excellent	All-around cash backA strong starter rewards card because the base rate is better than 1%, the bonus categories are useful, and the annual fee is zero.	5% on travel through Chase Travel, 3% on dining and drugstores, 1.5% on other purchases.	$200 cash bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.24% to 27.74% variable APR.	Travel booked outside Chase and international purchases are less attractive, and a 2% flat-rate card may be simpler for some households.	Issuer terms
Compare Wells Fargo Reflect® Card Wells Fargo · Good to excellent	Long intro APR windowBuilt for readers who care more about interest savings than rewards.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers.	17.49%, 23.99%, or 28.24% variable APR.	No rewards means the card has less ongoing value after the intro APR period ends.	Issuer terms
Compare Citi® Diamond Preferred® Card Citi · Good to excellent	Extra-long balance transfer offerOne of the clearest options when the goal is time to pay down transferred debt.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR on balance transfers for 21 months and purchases for 12 months.	16.49% to 27.24% variable APR.	It is not a rewards card, so the post-intro case is weaker.	Issuer terms
Compare Citi Simplicity® Card Citi · Good to excellent	Long intro APR plus no late feesA debt-payoff card for readers who want a long intro period and simpler penalty-fee rules.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on balance transfers and purchases.	Variable APR; see issuer terms.	No rewards and issuer-to-issuer transfer limits still matter.	Issuer terms
Compare BankAmericard® credit card Bank of America · Good to excellent	Low-fee intro APR optionA plain 0% APR option for readers who want to focus on payoff math instead of rewards.	No rewards program.	No traditional welcome bonus.	$0	Intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	No rewards, and the strongest value depends on completing transfers during the intro window.	Issuer terms
Compare Chase Freedom Flex® Chase · Good to excellent	Rotating bonus categoriesA high-upside no-fee card for people who will activate rotating categories.	5% on activated quarterly categories up to the quarterly cap, 5% on Chase Travel, 3% on dining and drugstores, 1% on other purchases.	$200 bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.24% to 27.74% variable APR.	Quarterly categories require attention and may not match every household's spending.	Issuer terms
Compare Discover it® Cash Back Discover · Good to excellent	Rotating categories plus first-year matchStrong first-year upside for readers willing to activate and track quarterly categories.	5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.	Discover Cashback Match for new cardmembers after the first year.	$0	Intro APR offers vary by version and applicant.	17.49% to 26.49% variable APR.	Discover acceptance can be lower than Visa or Mastercard in some locations.	Issuer terms
Compare U.S. Bank Shield™ Visa® Card U.S. Bank · Good to excellent	Intro APR with side benefitsA useful comparison point for readers shopping long intro APR windows outside the biggest issuers.	No traditional rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	Exact transfer economics depend on the approved limit, fee, and intro period available at application.	Issuer terms
Compare Capital One Quicksilver Cash Rewards Credit Card Capital One · Good to excellent	Simple 1.5% cash backA low-maintenance cash back card with no foreign transaction fee.	Unlimited 1.5% cash back on every purchase, plus elevated rewards on select Capital One Travel bookings.	$200 cash bonus after qualifying spend.	$0	0% intro APR on purchases and balance transfers for 15 months.	18.49% to 28.49% variable APR.	Flat 1.5% is easy, but some no-fee competitors earn 2% on general purchases.	Issuer terms

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Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.