which cards offer 0% intro APR for me?
Data as of Oct 4, 2026A topic in Balance Transfer Credit Cards.
Wells Fargo Reflect Card holds a clear lead for extended introductory zero-interest periods on both transfers and purchases. Citi becomes the usual answer when shoppers ask broadly about balance transfer deals.
long zero-interest promotional periods covering qualifying transfers and new purchases
extended zero-interest transfers without late fees or penalty rates
lengthy introductory interest promotions like the Diamond Preferred card
extended zero percent interest on purchases and transfers without an annual fee
pairing an introductory transfer period with cash back rewards on purchases
JPMorgan Chase is the usual answer when users seek general introductory zero-interest credit cards.
