Find the Best 0% APR Credit Card
Updated 26 March 2026
Compare intro APR offers up to 21 months. See which cards give you the longest interest-free window on purchases and balance transfers before you apply.
0% APR Credit Card Comparison
Click any card to see full details. Sorted by intro period length.
| Card Name | Intro Period (Purchases) | Intro APR (Purchases) | Intro APR (Bal. Transfer) | Regular APR | Annual Fee | Details |
|---|---|---|---|---|---|---|
1 Premium Cash Back Card Editor's Pick | 21 mo | 0% | 0%21 months | 19.24% - 29.99% | $0 | |
2 Travel Rewards Card Best for Travel | 15 mo | 0% | 0%15 months | 20.49% - 30.24% | $0 | |
3 Balance Transfer Card Best for Debt Payoff | 12 mo | 0% | 0%18 months | 17.99% - 28.74% | $0 | |
4 Student Starter Card Best for Students | 6 mo | 0% | N/A | 18.24% - 27.99% | $0 | |
5 No Fee Rewards Card No Annual Fee | 15 mo | 0% | 0%15 months | 18.49% - 29.49% | $0 | |
6 Business Cash Card Best for Business | 12 mo | 0% | 0%12 months | 18.99% - 26.99% | $0 | |
7 Everyday Spending Card Simple & Flexible | 18 mo | 0% | 0%18 months | 19.99% - 29.74% | $0 | |
8 Low Interest Card Lowest Ongoing Rate | 12 mo | 0% | 0%12 months | 13.99% - 23.99% | $0 |
APR ranges shown are representative. Your actual APR will be determined by your creditworthiness at the time of application. Rates are variable and tied to the Prime Rate. Balance transfer fees apply. Always read the full Schumer Box before applying.
0% APR Savings Calculator
See how much interest you could save by switching to a 0% intro APR card
The balance you want to transfer or finance interest-free
The interest rate you pay on your current card (check your statement)
How many months the 0% introductory APR lasts
The APR that kicks in once the intro period ends (check the card terms)
Interest Saved During Intro Period
$1,712
What you'd pay on your current card vs 0% for the same period
Monthly Payment to Pay Off
$277.78
To clear $5,000 in 18 months
Monthly Interest (Current Card)
$95.79
Interest charged per month at your current APR
Balance Transfer Fee (3%)
$150.00
One-time fee to move your balance
Net Savings
$1,562
Interest saved minus transfer fee
Who benefits most from 0% APR?
People with a large planned purchase (appliances, home repairs, medical bills) who know they can pay it off over 12 to 21 months without interest. Also anyone carrying high-interest credit card debt who wants to stop the interest clock and pay down the principal faster.
What credit score do you need?
Most 0% intro APR cards target applicants with a FICO score of 670 or above. Cards offering 18 to 21 months typically require 700 or better. Check your score for free through your existing bank or Credit Karma before applying to avoid unnecessary hard inquiries.
Balance transfer vs. purchase APR
Some cards offer a longer 0% period for balance transfers than for new purchases, or vice versa. If you plan to transfer existing debt, prioritise the balance transfer period. If you have a large upcoming expense, prioritise the purchase APR period. The table above shows both columns for every card.