Best 0% Introductory Rate Credit Cards (on New Purchases)

No credit card offers a 0% interest rate forever, but many cards will start you out at 0% and let you carry a balance with no interest for a good long time. (Just make sure you have it paid off before the zero percent period ends.) Here are the best no-annual-fee credit cards that offer a 0% introductory interest rate on your new purchases:

0% for 20 months/billing cycles

  • US Bank Visa Platinum Card – 0% introductory APR* on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49%-24.49%.

0% for 18 months/billing cycles

  • BankAmericard – 0% Intro APR for 18 billing cycles for purchases. After the intro APR offer ends, a Variable APR that’s currently 12.99% – 22.99% will apply.
  • Wells Fargo Reflect Visa – 0% intro APR for 18 months from account opening on purchases. Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods. 12.99% to 24.99% variable APR thereafter.
  • Capital One SavorOne Rewards – 0% intro APR for 18 months on purchases; 14.99% – 24.99% variable APR after that

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