What are the best credit cards with no annual fee and 0% APR?

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 up to 21 months from account opening on both purchases and qualifying balance transfers. The Wells Fargo Reflect’s regular APR is 17.74% - 29.74% Variable. There’s also a balance transfer fee of 3% intro for 120 days, then up to 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.... read full answer

Some of the Best 0% APR Credit Cards

The Wells Fargo Reflect card offers an intro APR of 0% for up to 21 months from account opening on both new purchases and balance transfers. The card’s regular APR is 17.74% - 29.74% Variable. There is also a balance transfer fee: 3% intro for 120 days, then up to 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 17.74% - 28.49% (V). There is also a 5% (min $5) balance transfer fee.

The BankAmericard credit card offers an intro APR of See Terms for 21 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 See Terms. 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 19.49% - 28.24% (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.

The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for up to 21 months from account opening and 0% for up to 21 months from account opening on qualifying balance transfers - subject to a fee of 3% intro for 120 days, then up to 5% (min $5). The card’s regular APR is 17.74% - 29.74% Variable.

Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth taking into consideration.... read full answer

Here are the longest 0% APR credit cards:

These cards benefit from $0 annual fees and require good credit or better (a credit score of 700+) for good odds of approval. Most of them don’t offer any kind of rewards, but they’re meant for financing rather than regular spending.

You can also adopt the island approach. That way, you can use a different rewards card for purchases, which you’ll pay in full each month.

What you should know about 0% APR store cards:

It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. This means there’s no interest if you pay off the item in full by the end of the promotion period. So, you should only get such a card if you’re planning on paying down your balance in full before the interest-free period ends. But if you miss only one payment due date, then interest will be applied to your entire original purchase amount, as if it had been there from the start.

The JCPenney Credit Card is one example, offering 18 months of deferred interest. But those cards are best avoided, due to the potentially high interest rate.