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
Citi Diamond Preferred Card: 0% APR on balance transfers for 21 months
Citi Diamond Preferred Card offers 0% intro APR on balance transfers for 21 months from the first transfer date. It also offers 0% APR on purchases for 12 months. Additionally, card members can gain special access to event tickets, including concerts, sporting events, dining experiences. This card has no annual fee.
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Intro APR on Purchases
- 0% for 12 months on purchases
- Intro APR on Transfers
- 0% for 21 months on qualified balance transfers
- Regular APR
- 18.24% - 28.99% (Variable)
- Annual Fee (rates & fees)
- $0
Similar 0% Interest Credit Cards
If you are interested in Wells Fargo Reflect Card, you may also consider a few other credit cards with similar benefits.
0% Interest for 18 Months on Balance Transfers
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | 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 | |
|---|---|---|---|
 | Wells Fargo Active Cash® Card | 0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees) | $0 |
 | 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 18.24% - 28.24% 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 18.24% - 28.24% 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 18.24% - 28.24% 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 (fees) |
 | USAA Preferred Cash Rewards Credit Card | 0% on purchases for 15 months (rates & fees) | $0 (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. (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 |
