Best 0% Intro APR Credit Cards of 2025
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Many 0% intro APR credit cards provide a valuable opportunity to pay off balances or finance new expenses without paying interest during the promotional period. This feature can lead to substantial savings and more manageable payments.
We've analyzed several credit cards that offer 0% intro APRs, focusing on their introductory rates, fees and additional benefits. Whether you're looking to consolidate debt or make a significant purchase, these cards are the best to consider.
Here are the top 0% intro APR credit cards to help save money and manage your finances.
Our Top Picks for Best 0% Intro APR Credit Cards of 2025
- Citi Simplicity® Card — Best Overall
- Wells Fargo Reflect® Card — Best for Long 0% Intro APR Offer
- Chase Slate Edge® — Best for Low APR
- Citi® Diamond Preferred® Card Best — Best for Balance Transfers
- Discover it® Cash Back — Best for High Cash Back Rewards
Best 0% Intro APR Credit Cards Reviews
- 0% intro APR on purchases for 12 months and balance transfers for 21 months
- No late fees, no penalty rate and no annual fee
- Choose your payment due date to fit your schedule
- Does not offer cash back or rewards points
- Intro APR
- 0% Intro APR on balance transfers for 21 months and 0% Intro APR on purchases for 12 months.
- Intro Fee
- $5 or 3% of the amount of each transfer, whichever is greater, for transfers completed within the first 4 months of account opening. After that, 5% of each transfer (minimum $5).
- Regular APR
- 18.24% - 28.99%, based on your creditworthiness. All transfers must be completed in the first 4 months.
Why we chose this card: The Citi Simplicity® Card is our top overall 0% introductory APR credit card because of its combination of a lengthy 0% introductory APR period without fees. This makes it an excellent choice for saving on interest payments without the worry of incurring additional charges.
The card’s 21-month 0% introductory APR offer for balance transfers is one of the longest available, and the extended 0% intro APR for purchases gives ample time to finance a new purchase interest-free. Plus, the intro balance transfer fee is lower than the typical amount, allowing you to save more money.
This card also includes access to your FICO score for monitoring your credit and the option to choose your payment due date.
- 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening
- Cell phone protection
- No other benefits or rewards
- Intro APR
- 0% on purchases and qualifying balance transfers for 21 months from account opening.
- Regular APR
- Variable APR of 17.24%, 23.74%, or 28.99%, based on creditworthiness.
- Balance Transfer Fee
- 3% intro fee ($5 minimum) for transfers made within 120 days; up to 5% fee ($5 minimum) after.
Why we chose this card: The Wells Fargo Reflect® Card offers one of the longest 0% introductory APR periods available, spanning 21 months for both purchases and qualifying balance transfers. This offer means nearly two years to pay down balances without incurring interest, making it an ideal option for transferring a balance or making a large purchase.
In addition to the generous intro APR period, the card includes cell phone protection —up to $600 in coverage against damage or theft when paying your monthly cell phone bill with the card, subject to a $25 deductible. This feature adds an extra layer of security and value, offsetting potential costs associated with cell phone repairs or replacements, without an annual fee.
While the card does not offer a rewards program, its focus on providing an extended interest-free period and practical benefits like cell phone protection makes it one of our top picks.
- 0% intro APR on purchases and balance transfers for 18 months from account opening
- Automatically considered for a 2% APR reduction annually when you pay on time and spend at least $1,000 by your next account anniversary
- Higher standard APR
- Intro APR
- 0% on purchases and balance transfers for 18 months from account opening.
- Regular APR
- Variable APR of 19.49% to 28.24% thereafter, based on creditworthiness.
- Balance Transfer Fee
- For a limited time, enjoy a balance transfer fee of 3%, with a minimum $5. After 60 days, the fee is either $5 or 5% of the amount of each transfer, whichever is greater.
Why we chose this card: The Slate Edge® credit card distinguishes itself for its annual APR reduction. Cardholders who pay on time and spend at least $1,000 by their next account anniversary are automatically considered for a 2% APR reduction. This incentive encourages responsible spending and timely payments, potentially leading to a more favorable ongoing interest rate over time.
While the card does not offer a rewards program, its focus is on providing a lengthy interest-free period and the potential for APR reduction. It also includes access to Chase Credit Journey, where you can monitor your credit and score.
- 0% intro APR on balance transfers for 21 months and on purchases for 12 months from account opening
- Exclusive access to purchase tickets for concerts, sporting events and more
- Access to FICO score.
- No balance transfer fee offer
- Intro APR
- 0% on balance transfers for 21 months and on purchases for 12 months from account opening.
- Regular APR
- Variable APR of 17.24% to 27.99% thereafter, based on creditworthiness.
- Balance Transfer Fee
- Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
Why we chose this card: The Citi® Diamond Preferred® Card offers one of the most extended 0% introductory APR periods for balance transfers, lasting 21 months. This gives you nearly two years to pay down transferred balances without incurring interest, making it excellent for consolidating high-interest debt into a more manageable payment plan.
In addition to the generous balance transfer offer, the card offers a 0% intro APR on purchases for 12 months from account opening. This allows you to finance significant expenses interest-free for the first year, offering flexibility in managing both existing debt and new purchases.
While the card does not include a rewards program, it compensates with benefits such as access to Citi Entertainment, granting exclusive opportunities to purchase tickets for various events. Plus, it includes access to your FICO credit score for keeping an eye on your credit.
- 0% intro APR on purchases and balance transfers for 15 months
- Dollar-for-dollar match of all cash back earned at the end of the first year
- Earn 5% cash back on up to $1,500 in purchases each quarter in categories that rotate, with activation
- Must activate 5% categories each quarter
- Intro APR
- 0% on purchases and balance transfers for 15 months.
- Regular APR
- Variable APR of 17.24% to 28.24% thereafter, based on creditworthiness.
- Balance Transfer Fee
- 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms).
Why we chose this card: The Discover it® Cash Back stands out for its Cashback Match program. At the end of your first year, Discover will automatically match all the cash back you've earned, effectively doubling your rewards without any caps or additional requirements. Most 0% intro APR cards do not offer welcome bonuses or rewards, especially not 5% cash back categories.
The card also offers a 15-month 0% intro APR on both purchases and balance transfers, providing cardholders a substantial period to manage existing debt or finance new purchases without incurring interest.
The Discover it® Cash Back card's blend of a generous 0% intro APR period, unique Cashback Match program and high-reward rotating categories, all without an annual fee, set it as a top choice for 0% intro APR offers.
How We Chose the Best 0% Intro APR Credit Cards of 2025
The best 0% introductory or low interest credits carry lower APRs for new cardholders, balance transfers and other promotions. We rate them based on the length of introductory and low interest rates, sign-up bonus value, rewards and other perks and fees.
| Intro or Low APR Length | Fees | Sign-Up Bonus/Promos | Other Benefits |
| 40% | 30% | 20% | 10% |
- Introductory or Low APR: Long 0% APR periods for balance transfers or purchases.
- Fees: Preference for cards with low or no fees.
- Sign-Up Bonus/Promos: Other sign-up bonuses or promos for new cardholders.
- Other Benefits: Benefits for low interest cards are rare but when they do exist, add value.
Read our full methodology here.
Summary of Money’s 0% Intro APR Credit Cards of 2025
- Citi Simplicity® Card — Best Overall
- Wells Fargo Reflect® Card — Best for Long 0% Intro APR Offer
- Chase Slate Edge® — Best for Low APR
- Citi® Diamond Preferred® Card Best — Best for Balance Transfers
- Discover it® Cash Back — Best for High Cash Back Rewards