Best 0% APR Credit Cards of September 2022

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0% interest credit cards 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 up to 21 Months

Wells Fargo Reflect® Card offers 0% introductory APR on purchases and qualifying balance transfers for up to 21 months. In addition, you can get up to $600 of cell phone protection if you use the card to pay your monthly cell phone bills, subject to a $25 deductible. Best of all, this card has no annual fee.

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 15.99% to 27.99% 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
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
up to 21 months from account opening
Regular APR
15.99% - 27.99% 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 or More

Credit Card0% Introductory InterestAnnual Fee
BankAmericard Credit Card

BankAmericard® credit card

 $0
Bank of America Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

 $0
Bank of America Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

 $0
Bank of America Travel Rewards Credit Card

Bank of America® Travel Rewards credit card

 $0
Citi Simplicity Card

Citi Simplicity® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Diamond Preferred Card

Citi® Diamond Preferred® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

0% on balance transfers for 18 months$0

0% Interest for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card

0% on purchases and qualifying balance transfers for 15 months from account opening
(rates & fees)
$0
Citi Rewards+ Card

Citi Rewards+® Card

0% on purchases and balance transfers for 15 months$0

0% Interest for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Autograph Card

Wells Fargo Autograph℠ Card

0% on purchases for 12 months
(rates & fees)
$0
American Express Blue Business Cash Card

American Express Blue Business Cash™ Card

0% on purchases for 12 months from date of account opening
(rates & fees)
$0
(fees)

Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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