Looking for top-notch 0% credit cards? Check out our top five picks and enjoy up to 21 months of zero interest on both purchases and balance transfers. Not keen on having a hard credit check on your report? No worries! Discover it® and Capital One Quicksilver let you check your eligibility without any impact on your credit. Read on for more details!
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Wells Fargo Reflect® Card
Benefits:
- 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%.
Fees: 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
Benefits:
- 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
- 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.
Fees: 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.
Discover it® Balance Transfer
Benefits:
- Special Offer: 0% intro APR for 18 months from account opening on balance transfers and 6 months on purchases.
- Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 5% cash back on everyday purchases at different places each quarter when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent balance transfer card with an 18 month 0% rate and 6 months for purchase. The cash back bonus and ongoing cash back make this an excellent card. No impact on your credit score for checking eligibility.
U.S. Bank Visa® Platinum Card
Benefits:
- Special Offer: 0% intro APR for 18 months from account opening on balance transfers and purchases.
- Up to $600 protection on your cell phone ($25 deductible) against covered damage or theft when you pay your cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
- Choose a payment due date that fits your schedule
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Another great balance transfer card with an 18 month 0% rate on balance transfers and purchases. Not a ton of rewards here but the $600 mobile phone protection is actually very cool. Much better coverage than your mobile phone carrier for free!
Capital One Quicksilver Cash Rewards Card
Benefits:
- 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
Fees: 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. No impact on your credit score for checking eligibility.
