Best Credit Cards 0% Interest
(April 2023)
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Wells Fargo Reflect® Card
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Special Offer: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- Up to $600 of cell phone protection (subject to $25 deductible)
- 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them.
- Balance transfers made within 120 days qualify for the intro rate and fee of 3%.
Annual Fee:
- None
Credit Needed:
- Excellent / Good (680+)
Summary:
Excellent 0% interest card for both purchases and balance transfers for up to 21 months. This is the longest current 0% introductory period.
Citi Simplicity® Card
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Special Offer: 0% intro APR for 21 months from account opening on balance transfers and 12 months on purchases.
- No late fees or penalty APRs
- No late fees or penalty APRs
- There is a balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months.
Annual Fee:
- None
Credit Needed:
- Excellent / Good (680+)
Summary:
Excellent 0% interest card for both purchases and balance transfers. The 0% for balance transfers is the longest at 21 months. 12 months 0% introductory period for purchases is also one of the best.
Capital One Quicksilver Cash Rewards Card
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Special Offer: 0% intro APR for 15 months from account opening on balance transfers and purchases.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Annual Fee:
- None
Credit Needed:
- Excellent / Good (680+)
Summary:
Excellent 0% interest card for both purchases and balance transfers. The 0% for balance transfers is moderately long at 15 months. The cash back bonus and ongoing cash back make this an excellent card.
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