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Credit Cards with a 0% Intro APR
Cards that advertise a 0% introductory APR for a set period on purchases, balance transfers or both. After the intro period the regular variable APR applies to any remaining balance.
Terms checked 30 September 2026 · read from issuer pages12Cards compared
11No annual fee
8Issuers
9Card types
📬21 daysMinimum to pay the bill
🔔45 daysNotice of rate rises
💳COMPARE SMARTER
🆓11No-annual-fee cards
🏛️8Issuers compared
| Card | Annual fee | Top rewards | Sign-up offer | APR | Foreign fee |
|---|---|---|---|---|---|
| Bank of America® Customized Cash Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | 6% for the first year, then 3% — Choice category (gas/EV charging, online shopping, dining, travel, drug stores, home improvement/furnishings) — first $2,500 in combined choice-category and grocery/wholesale purchases each quarter | $200 cash rewards bonus after at least $1,000 in purchases within the first 90 days | 17.49% – 27.49% variable | See issuer |
| Bank of America® Travel Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5 points — Every $1 spent on everyday purchases | 25,000 online bonus points (worth a $250 statement credit) after at least $1,000 in purchases in the first 90 days | 17.49% – 27.49% variable (after intro period) | None |
| Bank of America® Unlimited Cash Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5% cash back — Every purchase | $250 cash rewards bonus after at least $1,000 in purchases within the first 90 days | 17.49% – 27.49% variable (after intro period) | See issuer |
| Blue Cash Everyday® Card from American Express American Express · as of September 30, 2026 | $0 | 3% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | See issuer | 19.74% – 28.74% variable (after intro period) | See issuer |
| Blue Cash Preferred® Card from American Express American Express · as of September 30, 2026 | $95 | 6% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | $250 statement credit after you spend $3,000 in purchases on the new card within the first 6 months | 19.49% – 28.49% variable (after intro period) | See issuer |
| Capital One Quicksilver Cash Back Credit Card Capital One · as of September 30, 2026 | $0 | 1.5% cash back — Every purchase | $200 cash bonus (see issuer for the spending requirement) | 18.49% – 28.49% variable (after intro period) | None |
| Chase Freedom Flex® Credit Card Chase · as of September 30, 2026 | $0 | 5% cash back — Rotating quarterly categories (activation required), on up to $1,500 per quarter | $250 bonus after you spend $500 on purchases in the first 3 months from account opening | 18.24% – 27.74% variable (after intro period) | None |
| Chase Freedom Unlimited® Credit Card Chase · as of September 30, 2026 | $0 | 5% cash back — Chase Travel | $200 bonus after you spend $500 on purchases in the first 3 months from account opening | 18.24% – 27.74% variable (after intro period) | See issuer |
| Discover it® Cash Back Credit Card Discover · as of September 30, 2026 | $0 | 5% cash back — Rotating quarterly categories (activation required), up to the quarterly maximum | Unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year (automatic; no limit) | 18.49% – 28.49% variable (after intro period) | None |
| Savor Rewards from Capital One Capital One · as of September 30, 2026 | $0 | 5% cash back — Hotels, vacation rentals and rental cars via Capital One Travel | $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | 18.49% – 28.49% variable (after intro period) | None |
| U.S. Bank Cash+® Visa Signature® Card U.S. Bank · as of September 30, 2026 | $0 | 5% cash back — Two categories you choose (first $2,000 in combined purchases per quarter, then 1%) | $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days | See issuer | See issuer |
| Wells Fargo Active Cash® Card Wells Fargo · as of September 30, 2026 | $0 | 2¢ (2%) cash rewards — Every $1.00 of net purchases | $200 cash rewards bonus after at least $500 in net purchases within 3 months of opening | 18.74%, 24.74% or 28.74% variable (after intro period) | 3% of each transaction converted to U.S. dollars |
What to look for
- Note how long the intro period lasts and whether it covers purchases, transfers or both.
- Plan to repay the balance before the promotion ends.
- Check the balance transfer fee and any deadline to transfer.
- Compare the regular APR that applies after the intro period.
Cards are listed alphabetically, not ranked. See all cards.
Figures come from each issuer’s page (see the card page for the source link) and were checked on the date shown. Offers, rates and eligibility change often and the issuer’s terms control. “See issuer” = not shown on the issuer page we read. FinancePortal is not a card issuer and does not receive payment for the order of this list.