10 best 0% APR credit cards of February 2026

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A credit card with a zero-interest introductory offer can be a valuable tool for making large purchases or consolidating credit card debt. The best cards provide substantial savings with 0% intro APRs for up to 24 months on purchases, balance transfers or both.

As Americans carry a record amount of credit card debt, more consumers are turning to balance transfers to avoid (or delay) high interest rates. In 2024, $59.5 billion in credit card debt was moved through balance transfers, comparable to two-thirds of the private-label credit card market.

More than 99% of those transactions were part of a zero-interest promotion

Below, CNBC Select names the best 0% APR credit cards and how they can benefit you. For more on how we made our picks, check out our methodology.

Who's this for? The U.S. Bank Shield™ Visa® Card can't be beat if you want to save on credit card interest, as it features one of the longest low-interest offers on the market.

Intro APR offer: For a limited time, you can take advantage of a 0% intro APR on purchases and eligible balance transfers for 24 billing cycles, followed by a variable APR of 16.99%-27.99%. Balance transfers must be completed within 60 days of account opening to qualify for the intro APR. There is a 5% fee for each transfer, with a $5 minimum.

Who's this for? The Citi® Diamond Preferred® Card is another great option for financing large purchases or transferring existing credit card debt.

Intro APR offer: You'll receive a 0% intro APR for 21 months on balance transfers and a 0% intro APR for 12 months on purchases from the date of account opening (16.49%-27.24% variable APR afterward). There is a balance transfer fee of 5% of the amount you transfer, with a $5 minimum. Balance transfers must be completed within four months of account opening.

Who's this for? The Wells Fargo Reflect® Card is ideal if you're looking to pay off large purchases over time or consolidate credit card debt.

Intro APR offer: The Wells Fargo Reflect Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99% or 28.24% variable APR afterward). Balance transfers made within 120 days from account opening qualify for the intro rate; the balance transfer fee is 5% with a $5 minimum.

Who's this for? If you need to consolidate credit card debt, the Citi Simplicity® Card is a great option. Plus, it features a low intro balance transfer fee.

Intro APR offer: After approval, you can access a 0% intro APR for 21 months on balance transfers and a 0% intro APR for 12 months on purchases from the date of account opening (17.49%-28.24% variable APR afterward). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

Who's this for? The Capital One VentureOne Rewards Credit Card is excellent if you don't want to pay an annual fee, as it earns transferable travel rewards (1.25X miles on every purchase) on top of its intro APR offer.

Intro APR offer: The Capital One VentureOne comes with a 0% intro APR on purchases and balance transfers for 15 months (18.49%-28.49% variable APR after). There is an intro balance transfer fee of 3% of each transfer you complete in the first 15 months your account is open. After that period, the transfer fee is 4% of each transfer you complete at a promotional APR Capital One may offer you at any other time.

Who's this for? The Capital One Savor Cash Rewards Credit Card is valuable due to its generous cash back categories at grocery stores, dining, entertainment and popular streaming services, alongside its intro APR.

Intro APR offer: With a new Capital One Savor Cash Rewards Card, you'll get a 0% intro APR on purchases and balance transfers for 12 months, followed by a variable APR of 18.49%-28.49%. The intro balance transfer fee is 3% of the amount of each transferred balance for the first 12 months, then 4% of the amount of each transferred balance at a promotional APR that Capital One may offer you at any other time.

Who's this for? In addition to its intro APR, the Wells Fargo Active Cash® Card is a great choice for earning flat-rate cash back on your everyday purchases thanks to its 2% cash rewards rate.

Intro APR offer: The Wells Fargo Active Cash Card comes with 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.49%, 24.49% or 28.49% variable APR thereafter). Balance transfers made within 120 days qualify for the intro rate and a fee of 3% (5%, with a minimum of $5, after that).

Who's this for? The Chase Freedom Unlimited® (see rates and fees) is a strong cash back credit card with interest-free offers. It also has an easy-to-earn $200 bonus after you spend $500 on purchases in your first three months from account opening.

Intro APR offer: The Chase Freedom Unlimited® offers a 0% intro APR for 15 months from account opening on purchases and balance transfers (18.24%-27.74% variable APR afterward). There's an intro balance transfer fee of 3% of each transfer ($5 minimum) for the first 60 days, then the fee increases to 5% of each transfer ($5 minimum).

Who's this for? Depending on your spending habits, the Blue Cash Everyday® Card from American Express earns a solid rewards rate on U.S. online retail purchases, alongside its intro offer on purchases and balance transfers.

Intro APR offer: The Blue Cash Everyday Card offers a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a 19.49%-28.49% variable APR applies (see rates and fees). To qualify for the intro APR, balance transfers must be requested within 60 days of account opening, and there's a balance transfer fee that's either $5 or 3% of the amount of each transfer (whichever is greater).

*For rates and fees of the Blue Cash Everyday® Card from American Express, click here.

Who's this for? The BankAmericard® for Students offers an introductory APR that competes with the top non-student credit cards.

Intro APR offer: You'll receive an intro 0% APR on purchases and balance transfers for the first 18 billing cycles. To qualify for the intro APR, balance transfers must be completed within 60 days of opening your account. After the intro APR ends, a variable APR of 14.49%-24.49% applies. There is an intro balance transfer fee of 3% of the amount of each transaction you make within 60 days of opening the account (4% thereafter).

Zero-interest credit card offers fall into two main categories: balance transfer offers and purchase offers. A card can offer both, but there are key differences.

Purchase offers

When a credit card features a 0% intro APR offer on purchases, nothing you buy with your new card will accrue interest during the intro APR period. The 0% APR doesn't apply to balance transfers or cash advances.

During the intro APR period, you'll need to make at least the minimum payment on time or risk it being canceled.

Balance transfer offers

A 0% APR balance transfer offer allows you to move debt from an existing credit card to a new one and, as long as you make the minimum payment on time each month, you won't pay any interest.

Moving a balance from a high-interest card can save you a lot of money, but typically there's a balance transfer fee of 3% to 5%. There may also be a limited time to transfer a balance and qualify for the intro APR.

In addition, a card's entire balance may not be transferable: You may be limited by the new card's credit limit, a fixed transfer limit or percentage caps or other issuer limitations.

A 0% APR card is most beneficial when you understand the terms of the offer and make a plan to pay off your debt. Here's what to keep in mind if you're considering a 0% intro APR credit card for your wallet.

1. Calculate how much a 0% APR card will save you

The biggest reason to get a 0% APR credit card is to save on interest. How much you'll save depends on your current card's balance and the interest rate, the new card's transfer fee and the length of the intro APR period.

If you have a card with a $5,000 balance and a 22% APR, here's how much you'd save with a no-fee card with a 12-month intro APR vs. one with an 18-month intro APR. (We factored in both 3% and 5% balance transfer fees.)

2. Read the fine print

Familiarize yourself with how a card's 0% APR offer works, including the expiration date, timeline for completing a transfer, any balance transfer fees and the interest rate once the intro period ends.

Don't forget to look at the cards' other features, including whether there's an annual fee or any sign-up bonus, cash back or rewards points.

3. Create a repayment plan

Don't get a zero-interest card without a strategy to pay off the transferred debt. After all, you're not erasing it, you're just giving yourself more time. See how much you'll need to pay each month to clear the balance by the time the intro APR ends and decide if you have room in your budget.

If you don't pay off any transferred debt or lingering new-purchase balances in time, any remaining amount will be charged the card's regular purchase APR.

If you have a store card, you could be hit with deferred interest, or all the interest you accrued since the date you opened your card. (None of the cards on our list charges deferred interest.)

Credit cards that offer no interest on purchases and/or balance transfers are a great asset for consumers looking to save on interest charges when they carry a balance month-to-month. The best way to use a 0% APR card depends on your situation, but there are times when it makes more sense.

To make a large purchase

If you plan on making large purchases, such as a new computer or workout equipment, and need more time to pay them off, a 0% APR card can help you pay over time with no interest charges.

If you have credit card debt

If you have debt on a high-interest card, completing a balance transfer to a card with no interest can help you pay it off faster and cheaper.

If you want both features of a 0% APR card, no interest on new purchases and balance transfers, you can pay off large expenses and old debt at the same time. Remember that you'll need to make minimum payments on your balance and pay it off in full before the intro period ends to avoid interest.

If you're deciding which credit card you want to apply for, there are key factors you'll want to compare:

Length of intro APR period

An intro-APR period can last months or years. Many popular rewards cards don't charge interest for up to 15 months, and non-rewards cards can have 18- or 24-month 0% intro APR periods.

Balance transfer fee

Most balance transfer cards charge a fee per transfer, typically 3% to 5% of the transfer amount. The money you save in interest can outweigh this fee, but make sure to do the math. To avoid fees, check out the best no-fee balance transfer credit cards.

Annual fee

Cards with a 0% APR period sometimes also have an annual fee. Review the annual fee each year and compare it with the value you're getting from the card's perks to decide whether it's worth keeping.

Rewards and perks

The best 0% APR cards also offer cash back, points and miles. In addition, you may also be able to take advantage of other perks such as purchase and travel protections. While these are nice benefits, paying off debt should be your primary goal. Although a card's benefits shouldn't drive your decision, they can add to the value you receive and shouldn't be completely ignored.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed financial decisions. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0% APR credit cards.

To determine which cards offer the best value for intro-APR offers, CNBC Select analyzed over 250 major credit cards issued by FDIC-insured banks and NCUA-insured credit unions.

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees.

We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).

When choosing the best 0% interest credit cards, we focused on the length of the intro APR period and whether it applies to purchases, balance transfers or both. We also considered balance transfer fees and the length of time new cardholders have to make a transfer and still qualify for the intro APR.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of the Blue Cash Everyday® Card from American Express, click here.

* Information about the U.S. Bank Shield™ Visa® Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.