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Top 10 Credit Cards with 0% APR in USA (2026 Guide)
Credit cards with 0% APR (Annual Percentage Rate) can help you save hundreds (sometimes thousands) of dollars in interest. Whether you want to:
- Pay off debt faster
- Make a big purchase
- Finance a large expense
- Consolidate balances
…a 0% APR credit card can be one of the smartest financial tools available.
This guide reviews the top 10 0% APR credit cards in the U.S. in 2026, compares their benefits, intro offer periods, regular APR, fees, and who should apply.
What Is 0% APR and Why It Matters
0% APR means you won’t be charged interest on purchases, balance transfers, or both for a set introductory period.
That means:
- $0 interest if you pay your balance before the intro period ends
- More money towards principal
- Lower financial stress
Important Note: After the intro APR period ends, regular interest rates apply — so know when it expires.
How We Picked These Cards
We evaluated each card based on:
- Length of intro 0% APR offer
- Whether it applies to purchases, balance transfers, or both
- Annual fee
- Rewards & perks
- Ongoing APR after the intro period
- Credit score requirement
- Balance transfer fees
- Overall value for U.S. cardholders
Top 10 0% APR Credit Cards in USA (2026)
1. Chase Slate® Edge
- Intro APR: 0% for 18 months on purchases & balance transfers
- Ongoing APR: Moderate
- Annual Fee: $0
- Best For: Long 0% APR period for both purchases + balance transfers
Why it stands out:
- Longer than average intro period
- No annual fee
- Trusted issuer in the U.S.
💡 Great choice if: You want a long 0% APR period without paying a yearly fee.
2. Citi® Double Cash Card
- Intro APR: 0% for 18 months on balance transfers
- Ongoing APR: Average
- Annual Fee: $0
- Rewards: Up to 2% cash back on all purchases
Why it’s strong:
- 0% APR + excellent cash-back rewards
- Great for debt transfer with rewards
💡 Best for: Balance transfers + cashback rewards
3. Discover it® Balance Transfer
- Intro APR: 0% for 18 months on balance transfers
- Ongoing APR: Competitive
- Annual Fee: $0
- Rewards: Cash back categories
Why cardholders like it:
- Strong cash back
- Automatic first-year match on rewards
💡 Best for: People who want rewards and long 0% APR
4. U.S. Bank Visa® Platinum Card
- Intro APR: 0% for 20 billing cycles*
- Ongoing APR: Average
- Annual Fee: $0
- Best For: Longest 0% APR period on both transfers & purchases
💡 Great for: Large expenses or long-term debt payoff without interest
5. Bank of America® Customized Cash Rewards
- Intro APR: 0% for 15 billing cycles
- Annual Fee: $0
- Rewards: Bonus cash back in categories
- Perks: Preferred Rewards bonus
Why it’s valuable:
- 0% APR + rewards
- Simple tiered cash back
💡 Best for: Everyday spenders + 0% window
6. Wells Fargo Reflect℠ Card
- Intro APR: 0% for up to 21 months*
- Annual Fee: $0
- Best For: Ultra-long 0% intro rate
Why it’s unique:
- One of the longest 0% APR offers
- Great for debt payoff focus
💡 Best for: Long-term APR-free financing
7. American Express Cash Magnet®
- Intro APR: 0% for 15 months on purchases
- Annual Fee: $0
- Rewards: Unlimited cash back
Why it’s good:
- Cashback + intro APR for purchases
💡 Best choice if: You want cash back with a 0% window
8. Capital One SavorOne
- Intro APR: 0% for 15 months on purchases
- Annual Fee: $0
- Rewards: Cash back for dining, entertainment, groceries
Best for: Rewards + short 0% APR
9. U.S. Bank Business Platinum Card
- Intro APR: 0% for 12 months
- Annual Fee: $0
- Designed for: Business expenses
Why it’s worthy:
- Business-oriented low-cost 0% APR card
💡 Best for: New small business owners or entrepreneurs
10. Citi® Simplicity® Card
- Intro APR: 0% for 18 months on purchases & balance transfers
- Annual Fee: $0
- Perk: No late fees ever
Why it’s helpful:
- Great 0% APR offer + consumer-friendly policies
💡 Best for: People afraid of late fees
Intro APR vs Ongoing APR — What You Must Know
After the intro 0% APR period:
- The card’s regular APR applies
- This rate depends on creditworthiness
- Always check APR range before applying
Most cards fall between 15% – 25% APR once the intro expires.
0% APR Credit Card Terminology
⬤ Intro APR: The initial period with no interest
⬤ Balance Transfer Fee: Usually 3–5%
⬤ Minimum Credit Score Needed: Varies by card (mid-600s to 700+)
⬤ Regular APR: The interest rate after the intro period
How to Choose the Best 0% APR Credit Card (Step-by-Step)
1. Decide What You Need
- Transfer debt?
- Purchase financing?
- Rewards on top of 0% APR?
2. Compare Intro Period Length
Longer APR periods = more interest-free time.
3. Look at Fees
Annual fees & balance transfer fees impact savings.
4. Check Your Credit Score
Better credit = better card offers.
5. Consider Rewards
Cash back or travel points can boost value.
How to Maximize Your 0% APR Offer
Here are smart strategies:
Pay Thoughtfully
Target higher-interest debts first.
Set Up Auto Payments
Avoid interest slipping in accidentally.
Know the Deadline
After the 0% APR ends, beware of interest.
Watch Your Credit
Balance transfers may momentarily dip your score.
Typical 0% APR Eligibility Requirements
| Card | Min Credit Score | 0% APR Duration |
|---|---|---|
| Chase Slate Edge | Good–Excellent | 18 mo |
| Discover it Balance Transfer | Good–Excellent | 18 mo |
| U.S. Bank Visa Platinum | Good–Excellent | 20 mo |
| Wells Fargo Reflect | Good–Excellent | 21 mo |
| Citi Simplicity | Good–Excellent | 18 mo |
| Others | Fair–Good | 12–15 mo |
Common Mistakes to Avoid with 0% APR Cards
❌ Waiting until the last month to apply
❌ Transferring without checking fees
❌ Carrying a balance after intro ends
❌ Missing payment due dates
❌ Not understanding APR terms
FAQs About 0% APR Credit Cards in USA (2026)
1. What is a 0% APR credit card?
A card that offers no interest on purchases and/or balance transfers for an introductory period.
2. How long do 0% APR offers last?
Typically 12 to 21 months.
3. Can I get a 0% APR card with bad credit?
Most offers require good or excellent credit (650+), but some may accept lower scores.
4. Are there fees with 0% APR cards?
Yes — balance transfer fees often apply (3–5% of amount transferred).
5. What happens after the 0% period ends?
The card’s regular APR applies to new and carried balances.
Tips to Get Approved for a 0% APR Credit Card
✔ Check your credit score first
✔ Pay down existing balances
✔ Apply for cards that match your credit tier
✔ Avoid multiple applications at once
✔ Consider secured alternatives if needed
Final Thoughts: Best 0% APR Credit Cards in USA (2026)
If you’re smart about how you use them, 0% APR credit cards can help you:
- Pay off debt faster
- Make big purchases interest free
- Improve your credit with on-time payments
- Use rewards while saving money
Whether you want a long 0% APR window, strong rewards, or flexibility, there’s a card here that fits your needs.
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