PickedFinance
Comparison guide

Best 0% intro APR credit cards

A 0% intro APR on purchases lets you spread a big expense over months without interest, as long as you pay it off before the intro period ends. We read each issuer’s page on Nov 10, 2026.

By PickedFinance Editorial TeamLast updated Rates checked Nov 10, 2026

Advertiser disclosure: links on this page go straight to each issuer’s or insurer’s own site. We don’t earn a commission from any product on this page, and no company paid to be included or to be placed higher. Commissions never affect which products we include or how we order them. How we make money.

How this page was made: it’s built from each provider’s own terms, rate and fee pages and from regulator sources, all listed at the bottom. We haven’t opened these accounts or products to test them, and we don’t give scores. Every rate shows the day we checked it. Our methodology.

Quick answer

Short answer: on Nov 10, 2026, Wells Fargo Reflect had the longest 0% intro APR on purchases we found, 21 months, and Citi Simplicity offered 18 months. If you also want rewards, Chase Freedom Unlimited, Discover it Cash Back and Capital One Quicksilver each offered 15 months. After the intro, rates were roughly 17.74% to 28.74%.

Last updated Rates checked Nov 10, 2026

Key facts at a glance

Key facts (each rate shows the day we checked it on the provider’s page)
PickProductBest forKey terms
Longest 0% on purchasesWells Fargo Reflect® CardThe longest interest-free stretch for a large purchase0% intro APR (21 months, purchases and qualifying balance transfers) as of Nov 10, 2026
18 months with no late feesCiti Simplicity® Card18 months at 0% with no late fees or penalty rate0% intro APR (18 months, purchases and balance transfers) as of Nov 10, 2026
0% plus strong everyday rewardsChase Freedom Unlimited®A 0% period on a card worth keeping afterward0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 2026

We read each card’s issuer page (and pricing or terms page where it loaded) on Nov 10, 2026, and list only the figures shown there. We don’t score cards, and every link goes directly to the issuer with no affiliate tracking. Intro offers change often; the terms on your application are the ones that apply.

Our picks

Longest 0% on purchases
Wells Fargo Reflect® Card
0% intro APR (21 months, purchases and qualifying balance transfers) as of Nov 10, 2026.
Visit Wells Fargo (opens in a new tab)
18 months with no late fees
Citi Simplicity® Card
0% intro APR (18 months, purchases and balance transfers) as of Nov 10, 2026.
Visit Citi (opens in a new tab)
0% plus strong everyday rewards
Chase Freedom Unlimited®
0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 2026; 1.5% to 5% cash back.
Visit Chase (opens in a new tab)

How do they compare?

0% intro APR on purchases, issuer pages, Nov 10, 2026
CardIntro APRAPR after introAnnual feeRewards
Wells Fargo Reflect0% intro APR (21 months, purchases and qualifying balance transfers) as of Nov 10, 202617.74%, 24.24% or 28.49% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 2026None shown on terms page
Citi Simplicity0% intro APR (18 months, purchases and balance transfers) as of Nov 10, 202617.74%–28.49% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 2026None shown
Chase Freedom Unlimited0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 202618.49%–27.99% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 20261.5%–5% cash back
Discover it Cash Back0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 202618.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026No annual fee5% rotating (activate) / 1%
Capital One Quicksilver0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 202618.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 20261.5% cash back
Amex Blue Cash Everyday0% intro APR (6 to 18 months depending on creditworthiness, purchases and balance transfers) as of Nov 10, 202619.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 20263% in three US categories / 1%
Amex Blue Cash Preferred0% intro APR (12 months, purchases and balance transfers requested within 60 days) as of Nov 10, 202619.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026$0 intro annual fee the first year, then $95 as of Nov 10, 20266% US supermarkets (to $6,000/yr) / 1%
Wells Fargo Active Cash0% intro APR (12 months, purchases and qualifying balance transfers) as of Nov 10, 202618.74%, 24.74% or 28.74% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 20262% cash rewards
Capital One Savor0% intro APR (12 months, purchases and balance transfers) as of Nov 10, 202618.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026$0 annual fee as of Nov 10, 20263% dining, entertainment, streaming, grocery / 1%

The picks in detail

Longest 0% on purchases

1. Wells Fargo Reflect® Card

Best for: The longest interest-free stretch for a large purchase

Wells Fargo’s Reflect terms (Nov 10, 2026) show 0% intro APR (21 months, purchases and qualifying balance transfers) as of Nov 10, 2026, then 17.74%, 24.24% or 28.49% APR (variable, after the intro period) as of Nov 10, 2026. $0 annual fee as of Nov 10, 2026. The terms page doesn’t show a rewards program or a welcome bonus, so this is a card for the intro period, not for earning.

Key terms: 0% intro APR (21 months, purchases and qualifying balance transfers) as of Nov 10, 2026 Wells Fargo terms

Pros

  • 21 months at 0% on purchases
  • No annual fee

Cons

  • No rewards shown
  • 3% foreign transaction fee
Visit Wells Fargo (opens in a new tab)
18 months with no late fees

2. Citi Simplicity® Card

Best for: 18 months at 0% with no late fees or penalty rate

Citi’s card page (Pricing Details, Nov 10, 2026) shows 0% intro APR (18 months, purchases and balance transfers) as of Nov 10, 2026, then 17.74%–28.49% APR (variable, after the intro period) as of Nov 10, 2026, plus “no late fees,” “no penalty rate” and $0 annual fee as of Nov 10, 2026.

Key terms: 0% intro APR (18 months, purchases and balance transfers) as of Nov 10, 2026 Citi terms

Pros

  • 18 months at 0%
  • No late fees and no penalty rate

Cons

  • No rewards shown
Visit Citi (opens in a new tab)
0% plus strong everyday rewards

3. Chase Freedom Unlimited®

Best for: A 0% period on a card worth keeping afterward

Chase’s pricing page shows 0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.49%–27.99% APR (variable, after the intro period) as of Nov 10, 2026. The card earns 1.5% on everything, 3% on dining and drugstores and 5% on Chase Travel, with $200 after $500 in purchases in the first 3 months as of Nov 10, 2026.

Key terms: 0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 2026 Chase terms

Pros

  • Rewards plus 15 months at 0%
  • Welcome bonus

Cons

  • Shorter intro than Reflect or Simplicity
  • 3% foreign transaction fee
Visit Chase (opens in a new tab)
Best for 15 months at 0% plus first-year Cashback Match

4. Discover it® Cash Back

Best for: 15 months at 0% plus first-year Cashback Match

Discover’s page shows 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026, with no annual fee, 5% rotating categories (activation required, up to a quarterly maximum), 1% elsewhere and a first-year Cashback Match.

Key terms: 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026 Discover terms

Pros

  • 15 months at 0%
  • Cashback Match in year one

Cons

  • Rotating categories need activation
Visit Discover (opens in a new tab)
Best for 15 months at 0% with no foreign transaction fees

5. Capital One Quicksilver Cash Rewards

Best for: 15 months at 0% with no foreign transaction fees

Capital One’s page shows 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026, 1.5% cash back, $0 annual fee as of Nov 10, 2026 and no foreign transaction fees.

Key terms: 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026 Capital One terms

Pros

  • No foreign transaction fees
  • Flat 1.5% back

Cons

  • Lower flat rate than 2% cards
Visit Capital One (opens in a new tab)
Best for Up to 18 months, depending on your credit

6. Blue Cash Everyday® Card from American Express

Best for: Up to 18 months, depending on your credit

Amex’s terms show 0% intro APR (6 to 18 months depending on creditworthiness, purchases and balance transfers) as of Nov 10, 2026, then 19.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026. You won’t know your intro length until you’re approved.

Key terms: 0% intro APR (6 to 18 months depending on creditworthiness, purchases and balance transfers) as of Nov 10, 2026 American Express terms

Pros

  • No annual fee
  • 3% categories for everyday spending

Cons

  • Intro could be as short as 6 months
Visit American Express (opens in a new tab)

Also considered

Amex Blue Cash Preferred (0% intro APR (12 months, purchases and balance transfers requested within 60 days) as of Nov 10, 2026), Wells Fargo Active Cash (0% intro APR (12 months, purchases and qualifying balance transfers) as of Nov 10, 2026) and Capital One Savor (0% intro APR (12 months, purchases and balance transfers) as of Nov 10, 2026) also offer 0% on purchases, for a shorter 12 months; they’re in the table above and on our cash back cards page.

Make a payoff plan before you swipe

Divide the purchase by the number of 0% months, and pay at least that much each month. A $3,000 purchase on a 15-month 0% card needs $200 a month to be gone before the regular APR starts.

The CFPB[11][12] says an introductory rate must last at least six months unless you’re more than 60 days late on a payment, and the issuer must tell you how long it lasts and what rate follows.

Who should skip this

  • You can’t pay the balance off before the intro ends. Any leftover balance starts accruing interest at the regular variable APR.
  • You already have high-interest card debt. A balance transfer card targets existing debt; compare transfer fees and deadlines there.
  • You’re likely to miss payments. Paying more than 60 days late can end intro pricing.

Frequently asked questions

Which card has the longest 0% APR on purchases?
Of the cards we checked on Nov 10, 2026, Wells Fargo Reflect: 0% intro APR for 21 months on purchases, then a variable 17.74%, 24.24% or 28.49%.
Does 0% intro APR mean no payments?
No. You still owe at least the minimum payment each month; 0% only means no interest on the qualifying balance during the intro period.
What happens to new purchases after the intro period?
They’re charged the card’s regular variable APR unless you pay in full. The CFPB[11][12] explains that most cards give a grace period on purchases, so you can usually avoid interest by paying the full balance by the due date, though issuers aren’t required to offer one.
How long must an intro rate last?
The CFPB[11][12] says an introductory rate has to stay in effect for at least six months, unless you are more than 60 days late on a payment.
Do you get paid if I apply?
No. Links go directly to issuers with no affiliate tracking.

Sources

Every source below was opened and read for this page (rates last checked Nov 10, 2026). Providers’ own pages are labeled with the provider’s name; regulator pages are labeled with the agency. Rates and terms change often, so confirm on the provider’s site before you apply.

  1. Wells Fargo: Reflect terms (wellsfargo.com, checked Nov 10, 2026)
  2. Citi: Simplicity card page (Pricing Details) (citi.com, checked Nov 10, 2026)
  3. Chase: Freedom Unlimited card page (creditcards.chase.com, checked Nov 10, 2026)
  4. Chase: Freedom Unlimited pricing & terms (sites.chase.com, checked Nov 10, 2026)
  5. Discover: Discover it Cash Back card page (discover.com, checked Nov 10, 2026)
  6. Capital One: Quicksilver card page (capitalone.com, checked Nov 10, 2026)
  7. American Express: Blue Cash Everyday rates & fees (americanexpress.com, checked Nov 10, 2026)
  8. American Express: Blue Cash Preferred rates & fees (americanexpress.com, checked Nov 10, 2026)
  9. Wells Fargo: Active Cash terms (wellsfargo.com, checked Nov 10, 2026)
  10. Capital One: Savor card page (capitalone.com, checked Nov 10, 2026)
  11. CFPB: How long can I keep a low rate on a balance transfer or other introductory rate? (consumerfinance.gov, checked Nov 10, 2026)
  12. CFPB: Credit cards key terms (consumerfinance.gov, checked Nov 10, 2026)
best of

Best balance transfer credit cards

A balance transfer can stop interest on card debt for a while, but almost always costs a fee up front. We read each issuer’s page on Nov 10, 2026 for the 0% length, the transfer fee, the deadline to transfer and the APR that follows.

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Best credit cards

There’s no single best credit card. Start with what you need it for: cash back, travel, an interest-free period or building credit. Each pick below links to a full comparison, and every figure is dated and taken from the issuer’s own page.

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Best cash back credit cards

If you pay in full every month, a cash back card is a simple discount on spending. We read each issuer’s page on Nov 10, 2026 and list only what the issuer publishes: earn rates, annual fee, APRs and bonuses.

guide

APR vs APY: what’s the difference?

APY (annual percentage yield) tells you what you’ll earn on savings, including compounding. APR (annual percentage rate) tells you what borrowing costs per year. Compare savings by APY and loans or cards by APR, never one against the other.