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0% APR Cards ?

Best 0% APR cards — September 2026

Current comparisons show Bank Americard, U.S. Bank Shield and Wells Fargo Reflect among the longest 0% introductory offers, with some offering 21 billing cycles/months.

Which one would I choose?

For a large purchase: BankAmericard — 21 billing cycles at 0% on purchases, with a $0 annual fee.

For maximum flexibility: Wells Fargo Reflect — up to 21 months of introductory 0% APR on qualifying purchases and balance transfers.

For 0% APR + cashback: Blue Cash Everyday Amex — 15 months at 0% on purchases and balance transfers, plus cashback categories.

For 0% APR + everyday rewards: Chase Freedom Unlimited — 15 months at 0% and ongoing rewards after the introductory period.

Important

0% APR does not mean the card is permanently interest-free. Once the introductory period ends, the regular variable APR can be roughly 17%–28%+, depending on the card and your creditworthiness.

For example, if you put $10,000 on a 21-month 0% card, you'd need to pay about $476/month to completely repay it before the promotional period expires.

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