0% APR deals
Credit cards
Intro 0% on purchases and balance transfers, with the fine print up front.
Read this before you open a 21-month card. These are intro rates, not deferred interest: if you miss a payment, past months are not charged back. But federal rules let the issuer end the 0% rate once a payment is more than 60 days late, a late payment can hit your credit after 30 days, balance transfers usually cost 3% to 5% up front, and anything left at the end accrues normal card interest. The full breakdown.
| Card | Intro 0% | Balance transfer fee | After intro | Fine print | |
|---|---|---|---|---|---|
| Reflect CardWells Fargo | 0% intro APR on purchases and qualifying balance transfers for 21 months | 5% ($5 min) | 17.74%–28.49% variable |
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| BankAmericardBank of America | 0% intro APR on purchases and balance transfers for 21 billing cycles | 5% | 15.24%–26.24% variable |
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| Shield VisaU.S. Bank | 0% intro APR on purchases and balance transfers for 21 billing cycles | 5% ($5 min) | 17.24%–28.24% variable |
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| Diamond PreferredCitiConfirm before you buy | 0% intro APR on balance transfers for 21 months, purchases for 12 months | 3% intro for 4 months, then 5% | 16.74%–27.49% variable |
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| SlateChase | 0% intro APR on purchases and balance transfers for 21 months | 5% ($5 min) | About 18.24%–28.49% variable |
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| State Farm Good Neighbor VisaU.S. Bank | 0% intro APR for 18 billing cycles | — | Standard variable APR applies after the intro period |
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| SimplicityCitiConfirm before you buy | 0% intro APR on purchases and balance transfers for 18 months | 3% intro, then 5% | 17.74%–28.49% variable |
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| Double CashCitiConfirm before you buy | 0% intro APR on balance transfers for 18 months | 3% intro, then 5% | 18.49%–28.74% variable |
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| it Cash Back, Chrome and MilesDiscoverConfirm before you buy | 0% intro APR on purchases and balance transfers for 15 months | 3% intro | 17.74%–28.74% variable |
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| Freedom Unlimited and Freedom FlexChaseConfirm before you buy | 0% intro APR on purchases and balance transfers for 15 months | 5%, sometimes 3% intro | 18.49%–27.99% variable |
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| Blue Cash EverydayAmerican ExpressConfirm before you buy | 0% intro APR on purchases and balance transfers for 15 months | Varies | 19.74%–28.74% variable |
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| QuicksilverCapital OneConfirm before you buy | 0% intro APR on purchases and balance transfers for 15 months | About 3% | 18.74%–28.74% variable |
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| Active CashWells FargoConfirm before you buy | 0% intro APR on purchases and balance transfers for 12 months | 3% intro | 18.74%–28.74% variable |
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| Visa PlatinumSkyla Credit UnionUnconfirmed, single source | 0% intro APR on balance transfers for 12 months | $0 | Credit union variable rate |
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