Maria Adams, Credit Cards Moderator
@m_adams
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
- Rates & FeesOverall: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
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).
- Rates & FeesBalance Transfers: Citi® Diamond Preferred® CardCiti® Diamond Preferred® CardLearn MoreLearn Moreon issuer's website
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.
- Excellent Credit: BankAmericard® credit cardBankAmericard® credit cardLearn MoreLearn More
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.
- High Rewards Rate: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
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.
Popular 0% APR Credit Cards in September 2023
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Long 0% Intro Period
Wells Fargo Reflect® Card
LEARN MORE -
0% Intro APR and Travel Rewards
Capital One VentureOne Rewards Credit Card
LEARN MORE -
0% Intro APR and Cash Back
Capital One Quicksilver Cash Rewards Credit Card
LEARN MORE
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read full answerIs 0% APR the same as no interest?
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read full answerWhat does 0% APR mean on a credit card?
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