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Visa 0% APR Credit Cards
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0% Visa credit cards represent around half of all the 0% credit cards on the market. Given that â0% Visaâ is such a broad category, only cards tailored toward reducing the financial burden of upcoming big-ti… show more… show more
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VISA 0% APR CREDIT CARDS
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Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
Purchase Intro APR
→
0% up to 21 months from account opening
Transfer Intro APR
→
0% up to 21 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
→
14.49% - 26.49% Variable
WalletHub's Take: The Wells Fargo Reflect℠ Card is a good credit card that’s worth it for people with good credit who want to avoid interest charges on new purchases and qualifying balance transfers for 18-21 months after opening an account. Wells Fargo Reflect has a $0 annual fee, and it offers 0% intro APRs for 18 months from account opening, but you can add up to three extra months by making on-time minimum payments.
Read our editor's full Wells Fargo Reflect review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
Additional Info
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
Purchase Intro APR
→
0% for 20 billing cycles
Transfer Intro APR
→
0% for 20 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
→
15.99% - 25.99% (V)
WalletHub's Take: The U.S. Bank Visa® Platinum Card is a very good 0% APR credit card for people with good credit or better, giving new cardholders introductory rates of 0% for 20 billing cycles on new purchases and 0% for 20 billing cycles on balance transfers. U.S. Bank Visa Platinum also has a $0 annual fee.
Read our editor's full U.S. Bank Platinum review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
Additional Info
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.99%-25.99%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
Purchase Intro APR
→
0% for 15 months from account opening
Transfer Intro APR
→
0% for 15 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
→
16.49% - 26.49% Variable
WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting up to $600 in cell phone protection.
Read our editor's full Wells Fargo Active Cash review.
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
Additional Info
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
Purchase Intro APR
→
0% for 15 billing cycles
Transfer Intro APR
→
0% for 15 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
→
15.99% - 25.99% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The U.S. Bank Cash+® Visa Signature® Card is a good cash back credit card for people with good or excellent credit who want the opportunity to earn lots of bonus rewards without paying an annual fee. The U.S. Bank Cash+ offer starts with an easy-to-earn sign-up bonus: $200 for spending $1,000 in the first 120 days. There’s no letup with its ongoing rewards, either, as cardholders earn 5% cash back on up to $2,000 spent in two bonus categories each quarter, plus unlimited 2% cash back in one quarterly bonus category and 1% back on everything else.
Read our editor's full U.S. Bank Cash+ review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
Additional Info
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 15.99% - 25.99%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Chase Slate Edge℠ Chase Slate Edge℠
Purchase Intro APR
→
0% for 18 months
Transfer Intro APR
→
0% for 18 monthsTransfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
→
15.74% - 24.49% (V)
WalletHub's Take: The Chase Slate Edge℠ card is a pretty good credit card for people with a 700+ credit score who want 0% introductory APRs as well as a regular APR that can get cheaper with good behavior over time. Plus, Slate Edge is easily worthwhile, given its $0 annual fee. On the other hand, Slate Edge is not the best choice for people who want to earn rewards. The card does not offer any rewards on purchases.
Read our editor's full Slate Edge review.
Pros
- 0% for 18 months on purchases and balance transfers
- $0 annual fee
Cons
- High regular APR likely
- Balance transfer fee
Additional Info
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.74% - 24.49% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Chase Freedom Unlimited® Chase Freedom Unlimited®
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
→
15.74% - 24.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good cash back credit card, worth an application for anyone with a good credit score or better. The Freedom Unlimited card has a $0 annual fee and offers 1.5 - 5% Cash Back on purchases, plus an an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. There’s even no interest for a time.
Read our editor's full Chase Freedom Unlimited review.
Pros
- Earn rate: 1.5 - 5% Cash Back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
Cons
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Rewards Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank Altitude® Go Visa Signature® Card
Purchase Intro APR
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0% for 12 billing cycles
Transfer Intro APR
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0% for 12 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
→
16.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 4 points / $1
Minimum Credit
Excellent
WalletHub's Take: The U.S. Bank Altitude® Go Visa Signature® Card is a good credit card for people with an excellent credit score who want to earn above-average rewards on dining, grocery shopping, gas and streaming services. U.S. Bank Altitude Go also is worthwhile for people interested in a 0% introductory APR and a $0 annual fee. The card’s initial bonus of 20,000 points is worth considering, too.
Read our editor's full U.S. Bank Altitude Go review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases.
- Points never expire
- Terms and conditions apply.
Additional Info
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 16.49% - 25.49%.
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
PenFed Gold Visa® Card PenFed Gold Visa® Card
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
Not Offered
Regular APR
→
7.49% - 17.99% (V)
WalletHub's Take: The PenFed Gold Visa® Card is a $0 annual fee credit card for people with excellent credit scores (750+). Aside from its $0 membership fee, the PenFed Gold Visa Card’s best features are its intro purchase APR of 0% for 15 months after account opening and its promotional APR of 0% for 15 months on balance transfers. The downside is the PenFed Gold Visa’s balance transfer fee of 3%.
Read our editor's full PenFed Gold Visa review.
Pros
- No membership fees
- Low regular APR
- No foreign fee
- Reports to the three major credit bureaus
Cons
- Requires excellent credit
- Balance transfer fee
Additional Info
- Rate and offers current as of July 1, 2022 and subject to change.
- Purchase variable Rate As Low As 7.49% APR
- 0% Introductory APR on purchases made within the first 15 months after account opening
- 0% promotional rate for 15 months on balance transfers made between now and September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- No annual fee
- No foreign transaction fee
- No cash advance fees
- Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
- Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
- Digital wallet capable
- Cash Advance APR 17.99%
Brown University Credit Card Brown University Credit Card
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: 3% (min $10)
Regular APR
→
15.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Good
WalletHub's Take: The Brown University Credit Card is a good all-around credit card for supporters of the Bears who have good credit or better and plan want to earn cash back rewards. The Brown Card offers an initial rewards bonus of $200, along with pretty good ongoing rewards: 1 - 3% Cash Back. You just have to be comfortable earning cash back at different rates depending on what you buy and how much you’ve spent recently.
Read our editor's full Brown University Credit Card review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 3% cash back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel) and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
- Earn unlimited 1% cash back on all other purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Preferred Rewards members earn 25%-75% more cash back on every purchase.
- Rewards are automatic and do not expire. Go to Online Banking to change your choice category for future purchases, or it stays the same.
Additional Info
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Stay on top of your balances and due dates with several types of customer email or text alerts. Pay your credit card bill online, transfer funds, check available credit and more.
University of California Irvine Credit Card University of California Irvine Credit Card
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: 3% (min $10)
Regular APR
→
15.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Good
WalletHub's Take: The University of California Irvine Credit Card is a good all-around credit card for supporters of the Anteaters who have good credit or better and plan want to earn cash back rewards. The UC Irvine Card offers an initial rewards bonus of $200, along with pretty good ongoing rewards: 1 - 3% Cash Back. You just have to be comfortable earning cash back at different rates depending on what you buy and how much you’ve spent recently.
Read our editor's full University of California Irvine Credit Card review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 3% cash back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel) and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
- Earn unlimited 1% cash back on all other purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Preferred Rewards members earn 25%-75% more cash back on every purchase.
- Rewards are automatic and do not expire. Go to Online Banking to change your choice category for future purchases, or it stays the same.
Additional Info
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Stay on top of your balances and due dates with several types of customer email or text alerts. Pay your credit card bill online, transfer funds, check available credit and more.
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Questions & Answers
Comparing visa 0% apr credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. 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 the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What are the best Visa credit cards with a 0% APR? Reply
Bianca Smith, WalletHub Credit Cards Analyst
The best Visa credit card with a 0% APR is the Wells Fargo Reflect card because it offers an introductory APR of 0% for up to 21 months from account opening on purchases. The Wells Fargo Reflect card also comes with a 0% APR for up to 21 months from account opening on qualifying balance transfers.
After the promotional period ends, the card charges a regular APR of 14.49% - 26.49% 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
|
Credit Card |
Intro Purchase APR |
Intro Balance Transfer APR |
Balance Transfer Fee |
Regular Purchase APR |
|
0% for up to 21 months from account opening |
0% for up to 21 months from account opening on qualifying balance transfers |
3% intro for 120 days, then up to 5% (min $5) |
14.49% - 26.49% Variable |
|
|
0% for 20 billing cycles |
0% for 20 billing cycles |
3% (min $5) |
15.99% - 25.99% (V) |
|
|
0% for 18 months |
0% for 18 months |
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
15.74% - 24.49% (V) |
|
|
0% for 15 months |
0% for 15 months |
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
15.74% - 24.49% (V) |
|
|
See Terms for 15 billing cycles |
See Terms for 15 billing cycles for any balance transfers made in the first 60 days |
3% (min $10) |
See Terms |
|
|
0% for 20 billing cycles |
0% for 20 billing cycles |
3% (min $5) |
13.49% - 22.49% (V) |
You can compare more Visa 0% APR credit card offers on WalletHub.
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