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Best 0% intro APR credit cards

Cards with the longest 0% interest periods on new purchases, for paying off a big purchase over time. Ties are broken by rewards value.

Based on $2,070/month spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900.

Rerun this ranking with your spending
  1. 1
    Wells Fargo ReflectThe longest 0% intro APR — 21 months on purchases and balance transfers
    Fee
    $0
    0% APR
    21 mo
    Year 1
    $0
    Yr 2+
    $0
  2. 2
    Capital One VentureOne RewardsTravel miles with no annual fee
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $715
    Yr 2+
    $435
  3. 3
    Chase Freedom UnlimitedA no-fee everyday card with an easy bonus
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $627
    Yr 2+
    $427
  4. 4
    Chase Freedom FlexPeople happy to activate 5% categories each quarter
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $620
    Yr 2+
    $420
  5. 5
    American Express Blue Cash EverydayGrocery and gas rewards with no annual fee
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $604
    Yr 2+
    $404
  6. 6
    Capital One QuicksilverSimple 1.5% back with no foreign fees
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $573
    Yr 2+
    $373
  7. 7
    Bank of America Travel RewardsSimple travel rewards with no annual fee
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $623
    Yr 2+
    $373
  8. 8
    Bank of America Customized Cash RewardsPicking your own 3% category — change it monthly
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $560
    Yr 2+
    $360
  9. 9
    Discover it Cash BackFirst-year Cashback Match doubles your rewards
    Fee
    $0
    0% APR
    15 mo
    Year 1
    $648
    Yr 2+
    $348
  10. 10
    Wells Fargo Active CashFlat 2% back on everything — nothing to track
    Fee
    $0
    0% APR
    12 mo
    Year 1
    $697
    Yr 2+
    $497

How we rank

Ledger adds up each card's sign-up bonus, the rewards it earns on the spending above (respecting caps), and a realistic share of its credits, then subtracts the annual fee. Points are valued at our estimates — in the calculator you can switch to cash-out (≈1¢) or transfer-partner (≈2¢) values, add the cards you already have, and see which new card adds the most.

Updated Oct 30, 2026.