Best Cards with 0% Intro APR 2026

Cards offering 0% introductory APR periods for new purchases or balance transfers. 13 cards with $3,950+ in total sign-up bonus value.

Chase

Ink Business Unlimited

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Apply NowDetails
Chase

Ink Business Cash

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% office supply stores (up to $25k/yr)5% internet/cable/phone (up to $25k/yr)2% gas (up to $25k/yr)+1 more
Apply NowDetails
American Express

Blue Cash Preferred Card

$350
~$350 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Apply NowDetails
US Bank

US Bank Altitude Connect

20,000 points
~$300 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Apply NowDetails
Citi

Citi Custom Cash Card

20,000 points
~$200 value
Spend Required$1,500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
Apply NowDetails
Chase

Chase Freedom Unlimited

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
Apply NowDetails
Chase

Chase Freedom Flex

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
Apply NowDetails
American Express

Blue Cash Everyday Card

$200
~$200 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
Apply NowDetails
Citi

Citi Double Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
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Capital One

Capital One Quicksilver

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Apply NowDetails
Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Apply NowDetails
Wells Fargo

Wells Fargo Active Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases
Apply NowDetails

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Frequently Asked Questions

How long do 0% intro APR offers last?

Most 0% intro APR offers last 12-18 months for new purchases, balance transfers, or both. After the intro period ends, the regular variable APR applies to remaining balances.

Can I get 0% APR and a sign-up bonus on the same card?

Yes, several cards offer both. Cards like the Chase Freedom Unlimited combine a sign-up bonus with a 0% intro APR period on purchases.