Maria Adams, Credit Cards Moderator
@m_adams
The best 0% APR credit card with instant approval is the Wells Fargo Reflect® Card because it comes with an intro APR of 0% for 21 months from account opening on both purchases and qualifying balance transfers. You can get instantly approved if Wells Fargo can immediately verify your application information.
Wells Fargo Reflect’s regular APR is 16.99%, 23.49%, or 28.74% Variable. There’s also a balance transfer fee of 5% (min $5). This card requires at least good credit for approval.
Notable 0% APR Credit Cards With Instant Approval
Transfer Intro APR: 0% for 21 months from account opening on qualifying balance transfers
Regular APR: 16.99%, 23.49%, or 28.74% Variable
Balance Transfer Fee: 5% (min $5)
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Good
Transfer Intro APR: 0% for 21 months
Regular APR: 17.74% - 28.74% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Excellent
Transfer Intro APR: 0% for 21 months
Regular APR: 17.74% - 28.74% (V)
Balance Transfer Fee: 5% (min $5)
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Excellent
Transfer Intro APR: 0% for 12 months from account opening on qualifying balance transfers
Regular APR: 18.99%, 23.99%, or 28.99% Variable
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Initial Bonus: $200 cash rewards after spending $500 on purchases in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Annual Fee: $0
Credit Score: Good
Transfer Intro APR: 0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR: 18.24% - 28.24% Variable
Balance Transfer Fee: 3% for 60 days from account opening, then 4%
Initial Bonus: $200 online cash rewards bonus for spending $1,000 in the first 90 days after opening the account
Ongoing Rewards: 2% cash back on purchases for the first year from account opening, 1.5% cash back on purchases after that
Annual Fee: $0
Credit Score: Excellent
Transfer Intro APR: 0% for 12 months
Regular APR: 19.24% - 29.24% (V)
Balance Transfer Fee: 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Initial Bonus: $300 in welcome bonuses: a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year (limited-time offer), plus a $200 cash bonus for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases)
Annual Fee: $0
Credit Score: Good
You can also check out our editors’ latest picks for the best instant approval credit cards on the market to weigh your options.
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People also ask
What credit score do you need for 0% APR credit cards?
You generally need a good or excellent credit score of 700 to 750 or higher to get a 0% APR credit card in most cases. The higher your credit score is and the more income you have, the better your odds of approval for a 0% APR credit card will be.
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read full answer by Bianca Smith, WalletHub Credit Cards AnalystCan I get a 0% APR credit card?
You can get a 0% APR credit card if you have good to excellent credit (a credit score of 700 or higher) and have enough income to make the minimum monthly bill payments. A 0% APR credit card gives you an interest-free period that usually lasts for 6 to 24 months for purchases, balance transfers, or both.
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If you don’t have a good credit score, you probably won’t be able to...
read full answer by Maria Adams, Credit Cards ModeratorWhat's the best credit card to get if I need one today?
If you need a credit card today, you should apply for an American Express card, a Capital One card, a Bank of America card, or a store credit card that offers instant use. It’s very common to get approved for a credit card the same day if you apply online, but you’ll typically have to wait another 7-10 business days for your card to arrive in mail. Most credit cards don’t allow you to make purchases before the card arrives, but there...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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