Best Credit Cards with a 0% Intro APR (2026)
A 0% introductory APR is one of the most valuable tools a credit card offers. For a set promotional window, commonly 12 to 21 months, you pay no interest on new purchases, on balances you transfer over, or on both, which lets you spread out a large purchase or knock down existing debt without the roughly 21 percent interest a carried balance normally costs.
The cards below all earn real rewards and also run a 0% intro offer, so you get a card worth keeping after the promotion ends rather than a bare balance-transfer card you would cancel. We rank them by the everyday rewards value they deliver, and each pick lists the exact length of its current 0% offer so you can weigh the intro period against the rewards. Always pay off the balance before the promotional period ends, because the regular APR applies to whatever is left.
Our top picks
1. American Express® Blue Cash Preferred 6x on groceries
The American Express® Blue Cash Preferred has a $95 annual fee, plus a welcome offer of $300 statement credit.
- 0% intro APR for 12 months on purchases and balance transfers
2. Citi Double Cash® 2x flat
The Citi Double Cash® has no annual fee, plus a welcome offer of $200 cash back.
- 0% intro APR on balance transfers for 18 months
3. TD Double Up Credit Card 2x flat
The TD Double Up Credit Card has no annual fee, plus a welcome offer of $200 cash back.
- 0% intro APR on balance transfers for 15 billing cycles and purchases for 12
4. Wells Fargo Active Cash® 2x flat
The Wells Fargo Active Cash® has no annual fee, plus a welcome offer of $200 cash rewards bonus.
- 0% intro APR for 12 months on purchases and balance transfers
5. U.S. Bank Smartly™ Visa Signature® 2x flat
The U.S. Bank Smartly™ Visa Signature® has no annual fee.
- 0% intro APR on purchases and balance transfers for the first 12 billing cycles
6. Citizens Summit® World Mastercard® 3x on dining
The Citizens Summit® World Mastercard® has no annual fee.
- 0% intro APR on balance transfers for 12 billing cycles
7. USAA Eagle Adapt™ Credit Card 3x on dining
The USAA Eagle Adapt™ Credit Card has no annual fee, plus a welcome offer of $200 cash bonus.
- 0% intro APR on balance transfers for 15 months
8. Chase Freedom Unlimited® 3x on dining
The Chase Freedom Unlimited® has no annual fee, plus a welcome offer of $200 cash bonus.
- 0% intro APR for 15 months on purchases and balance transfers
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| American Express® Blue Cash Preferred | 6x on groceries | $95 | $300 statement credit | Review |
| Citi Double Cash® | 2x flat | No annual fee | $200 cash back | Review |
| TD Double Up Credit Card | 2x flat | No annual fee | $200 cash back | Review |
| Wells Fargo Active Cash® | 2x flat | No annual fee | $200 cash rewards bonus | Review |
| U.S. Bank Smartly™ Visa Signature® | 2x flat | No annual fee | No current offer | Review |
| Citizens Summit® World Mastercard® | 3x on dining | No annual fee | No current offer | Review |
| USAA Eagle Adapt™ Credit Card | 3x on dining | No annual fee | $200 cash bonus | Review |
| Chase Freedom Unlimited® | 3x on dining | No annual fee | $200 cash bonus | Review |
Rewards rates and offers verified August 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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