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Top 10 · updated November 1, 2026

Best 0% intro APR credit cards

Cards with 0% interest on new purchases for a set time, ranked by how long it lasts. Ties go to the card worth more once the intro period ends.

  1. 1

    U.S. Bank

    U.S. Bank Shield Visa Credit Card

    4% cash back on prepaid air, hotel, and car reservations booked directly in the Travel Center

    0% on purchases for 21 months

    $312/ yearAnnual fee $0
  2. 2

    Chase

    Chase Slate Credit Card

    21 months on purchases and balance transfers, with no annual fee

    0% on purchases for 21 months

    $14/ yearAnnual fee $0
  3. 3

    Bank of America

    BankAmericard Credit Card

    0% introductory APR for the first 21 billing cycles, making it ideal for those looking to save on interest

    0% on purchases for 21 months

    $0/ yearAnnual fee $0
  4. 4

    Citi

    Citi Diamond Preferred Credit Card

    The Citi® Diamond Preferred® Credit Card does not earn rewards but offers benefits such as a low intro balance transfer fee and free access to your FICO® Score

    0% on purchases for 18 months

    $0/ yearAnnual fee $0
  5. 5

    U.S. Bank

    U.S. Bank Altitude Connect Visa Signature Card

    5X points on prepaid hotels and car rentals booked directly in the Travel Center · 4X points on travel and gas stations

    0% on purchases for 15 months

    $600/ yearAnnual fee $0
  6. 6

    Chase

    Chase Freedom Unlimited

    1.5% cash back · 3% on dining and drugstore purchases

    0% on purchases for 15 months

    $540/ yearAnnual fee $0
  7. 7

    American Express

    Blue Cash Everyday Card

    3% cash back on eligible purchases at U.S. supermarkets, U.S. online retail purchases, and gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)

    0% on purchases for 15 months

    $480/ yearAnnual fee $0
  8. 8

    Bank of America

    Bank of America Travel Rewards Credit Card

    1.5 points per $1 on everyday purchases

    0% on purchases for 15 months

    $468/ yearAnnual fee $0
  9. 9

    Discover

    Discover it Miles Credit Card

    1.5x miles on travel purchases and all your everyday purchases

    0% on purchases for 15 months

    $468/ yearAnnual fee $0
  10. 10

    Chase

    Chase Freedom Flex

    5% cash back on up to $1,500 in rotating categories each quarter you activate · 5% back on travel purchased through Chase Travel

    0% on purchases for 15 months

    $408/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best 0% intro APR credit card?

As of November 1, 2026, the U.S. Bank Shield Visa Credit Card ranks first, with 0% on purchases for 21 months. The Chase Slate Credit Card and Bank of America BankAmericard Credit Card come second and third.

How are these 0% intro APR cards ranked?

Cards with 0% interest on new purchases for a set time, ranked by how long it lasts. Ties go to the card worth more once the intro period ends. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Guides

GuideAnnual Fee vs No Annual Fee Credit Cards: When Is the Fee Worth It?When a credit card annual fee pays for itself, with the break-even math and how many fee cards actually beat the best no-fee card on typical spending.GuideHow to Build Credit From Scratch With Your First Credit CardA step-by-step plan to build a credit score from nothing: which card to start with, the habits that move your score, and how long it takes.

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Maintained by . Card details are collected from issuer websites and were last refreshed November 1, 2026. Terms change often; confirm them with the issuer before you apply.