Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
The best Visa credit card with a 0% APR is the Wells Fargo Reflect® Card. This card offers an introductory APR of 0% for 21 months from account opening on purchases. The Wells Fargo Reflect card also comes with a 0% APR for 21 months from account opening on qualifying balance transfers. The Wells Fargo Reflect balance transfers are subject to a fee of 5% (min $5).
After the promotional period ends, the card charges a regular APR of 17.74%, 24.24%, or 28.49% Variable. It’s also worth noting that the card has a $0 annual fee, and applicants need at least good credit for approval.
Best Visa Credit Cards With 0% APRs
Purchase Intro APR: 0% for 24 months
Transfer Intro APR: 0% for 24 months
Regular APR: 17.24% - 28.24% (V)
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 21 months from account opening
Transfer Intro APR: 0% for 21 months from account opening on qualifying balance transfers
Regular APR: 17.74%, 24.24%, or 28.49% Variable
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 12 months from account opening
Transfer Intro APR: 0% for 12 months from account opening on qualifying balance transfers
Regular APR: 18.74%, 24.74%, or 28.74% Variable
Balance Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)
Annual Fee: $0
Credit Score: Good
Purchase Intro APR: 0% for 15 billing cycles
Transfer Intro APR: 0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR: 17.74% - 27.74% Variable
Balance Transfer Fee: 3% for 60 days from account opening, then 4%
Annual Fee: $0
Credit Score: Excellent
Purchase Intro APR: 0% for 18 months
Transfer Intro APR: 0% for 18 months
Regular APR: 16.49% - 25.49% (V)
Balance Transfer Fee: 3% (min $5)
Annual Fee: $0
Credit Score: Good
You can also check our editors’ complete picks for the best Visa 0% APR credit card offers on WalletHub to see which one best suits your needs.
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