Top content CCM: Zero percent interest

Our editors’ take: The best 0% intro APR credit cards

Editors’ Tips††: A card with a 0% intro APR offer can be a great way to pay off debt and avoid immediate interest charges on new purchases. The most important feature to consider is the length of the intro APR period — it’s likely to determine if you’re able to pay off your balances without seeing interest charges. It’s also important to check the fine print because 0% intro APR offers can come with complicated rules. For instance, paying late may cause you to lose your 0% intro APR offer.

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Our editors’ picks for the top 0% intro APR offer cards offer relatively long intro periods for purchases, balance transfers or both:

  • Best for ongoing cash back: Chase Freedom Unlimited®
  • Best for paying off debt: Citi Simplicity® Card
  • Best for a long intro period: Wells Fargo Reflect® Card

See all of our editors’ card picks