Yes, there are some 0% APR credit cards for 21 months. One of the best is the Wells Fargo Reflect® Card that offers an intro APR of 0% for 21 months from account opening on both purchases and qualifying balance transfers. The Wells Fargo Reflect’s regular APR is 18.24% - 29.99% Variable. There’s also a balance transfer fee of 5% (min $5).
It’s worth noting that credit cards offering a 0% intro APR for 21 months aren’t that common. However, there are several good 0% APR credit cards on the market to choose from.
Some of the Best 0% APR Credit Cards
The Wells Fargo Reflect card offers an intro APR of 0% for 21 months from account opening on both new purchases and balance transfers. The card’s regular APR is 18.24% - 29.99% Variable. There is also a balance transfer fee: 5% (min $5).
The Citi Diamond Preferred card offers an intro APR of 0% for 12 months on new purchases and 0% for 21 months on balance transfers. The card’s regular APR is 18.24% - 28.99% (V). There is also a 5% (min $5) balance transfer fee.
The BankAmericard credit card offers an intro APR of 0% for 18 billing cycles for purchases, as well as balance transfers made in the first 60 days of account opening. After the card’s intro APR period ends, the regular APR is 16.24% - 26.24% Variable. There is also a 3% balance transfer fee.
The Chase Freedom Unlimited card offers an intro APR of 0% for 15 months on both new purchases and balance transfers. The card’s regular APR is 20.49% - 29.24% (V). There is also a balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). This card also offers 1.5 - 5% cash back, depending on the type of purchase.
Ultimately, you can check out our editors’ latest picks for the best 0% APR credit cards and see which one suits your needs.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.