CNBC Select compares the best 0% APR credit cards with no interest for up to 21 months, so you can maximize savings.
We analyzed 101 popular balance transfer cards using an average American's annual spending budget and credit card debt and digging into each card's perks and drawbacks to find the best of the best based on your consumer habits.
4.6/5Best for Long intro period + straightforward benefits 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days 15.24%-25.24% Variable APR N/A Apply Now on Bank of America's web...
No meaningful card benefits outside of the intro APR. Most balance transfer credit cards with intro APR offers require qualifying transactions to be completed within 60 days of account opening. However, the Citi Diamond Preferred lets you complete balance transfers within a full four months of acco...
NerdWallet's Best 0% APR Credit Cards of March 2025 Wells Fargo Reflect® Card: Best for Longest 0% intro period BankAmericard® credit card: Best for Long intro period + straightforward benefits U.S. Bank Visa® Platinum Card: Best for Long intro period + low intro transfer fee Capi...
Balance transfer intro APR 0% intro for 18 months on Balance Transfers Regular APR 18.24% - 28.24% (Variable) Rewards rate Hover to learn more 1% - 5% Annual fee $0 Why you'll like this: It boasts an intro APR on par with several top balance transfer cards, plus it rewards your purch...
to help pay off credit card debt. These cards enable you to move high-interest debt to a new credit card that won’t charge interest for a year or more. Some of the top cards offer a 0% intro APR well into 2026. Here is our list of the best balance transfer cards available today...
Keep in mind that if you qualify at the low end of the range, you're likely to get a higher APR. If you don't carry a balance, though, the APR won’t matter. How Do You Use a 0% Interest Credit Card for Rewards? With some 0% APR credit cards, you can earn cash back, po...
These cards tend to come from credit unions, which require membership, or regional banks that don’t operate in every state. For example, the ESL Visa Credit Card from ESL Federal Credit Union has no balance transfer fee, charges no annual fee and has a 0% APR on transfers for 12 ...
Why it’s great in one sentence: TheU.S. Bank Visa Platinumhas a long introductory balance transfer period of 18 billing cycles and is one of the few balance transfer cards that comes with cell phone insurance as one of its benefits. ...