RedditAdvantages of 0% APR Credit Cards
0% interest credit cards can help you save money. Whether you are trying to pay off your debt or you need to make expensive purchases, credit cards that offer 0% introductory interest let you borrow money now and pay off debt later without incurring interest or fees, as long as you make the minimum payments every month.
Wells Fargo Reflect Card: 0% Intro APR for 21 Months
Wells Fargo Reflect Card offers 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. In addition, you can get up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. Best of all, this card has no annual fee.
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 21 months from account opening
- Annual Fee (rates & fees)
- $0
- Credit Needed
- Excellent / Good
Wells Fargo Active Cash Card: 0% for 15 Months, $200 Bonus, 2% Cash Back
Wells Fargo Active Cash Card offers 0% intro APR on purchases and balance transfers for 15 months. It also offers $200 bonus cash and unlimited 2% cash rewards on all purchases. Additionally, card members can receive up to $600 of cell phone protection. This card has no annual fee.
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 months from account opening
- Annual Fee (rates & fees)
- $0
- Credit Needed
- Good / Excellent
Similar 0% Interest Credit Cards
If you are interested in the above 0% interest cards, you may also consider a few other credit cards with similar benefits.
0% Interest for 18 or 21 Months on Balance Transfers
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Citi® Diamond Preferred® Card | 0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees) | $0 |
 | Citi Double Cash® Card | 0% on balance transfers for 18 months (rates & fees) | $0 |
0% Interest for 15 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Bank of America® Travel Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Citi Rewards+® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Bank of America® Customized Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Citi Custom Cash® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Bank of America® Unlimited Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Chase Freedom Unlimited® | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies. | $0 |
 | Blue Cash Everyday® Card from American Express | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 (rates & fees) |
0% Interest for 12 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Autograph℠ Card | 0% on purchases for 12 months from account opening (rates & fees) | $0 |
 | Blue Cash Preferred® Card from American Express | 0% on purchases for 12 months (rates & fees) | $0 intro annual fee for the first year, then $95. (rates & fees) |
 | Ink Business Unlimited® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
 | Ink Business Cash® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
 | The American Express Blue Business Cash™ Card | 0% on purchases for 12 months from date of account opening (rates & fees) | $0 (rates & fees) |
 | The Blue Business® Plus Credit Card from American Express | 0% on purchases for 12 months from date of account opening (rates & fees) | $0 (rates & fees) |
