Best 0% Intro APR Credit Cards - September 2026

Stay Flexible with the Wells Fargo Reflect^® Card

• 0% intro APR on purchases and qualifying balance transfers for up to 21 months*
• No annual fee
• Automatic extension of your intro APR period by 3 months when you make on‑time minimum payments during the intro period
• Cell phone protection up to $600 per claim (subject to deductible) when you pay your phone bill with this card
• No penalty APR for late payments

Ideal for paying down high‑interest balances, the Reflect^® Card offers one of the longest 0% APR windows in the market—extended further with every on‑time payment you make during the intro period. With no annual fee and no late‑payment penalty rate, you can focus on eliminating debt without worrying about extra costs. Enjoy built‑in cell phone damage and theft coverage, and manage your payments effortlessly through the Wells Fargo mobile app.

*0% intro APR period applies to purchases and balance transfers made within 120 days of account opening; ongoing APR of 19.24%–29.99% variable applies thereafter. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater, if completed within the first 120 days; thereafter 5%. See full terms for details.

Pay Down Balances with the Citi^® Diamond Preferred^® Card

• 0% intro APR on purchases for 12 months and on balance transfers for 21 months
• No annual fee
• Balance transfer fee: 5% of each transfer (minimum $5)
• Flexible payment date: pick the monthly due date that fits your budget
• Free FICO^® Score access online
• Recommended credit score: 690–850 (good to excellent)

Eliminate high-interest debt with one of the longest 0% APR offers on the market. The Citi Diamond Preferred^® Card lets you enjoy over a year of interest-free purchases and nearly two years of balance transfers. Take advantage of Citi Entertainment^® presale access for concerts and events, then manage your account effortlessly through the Citi Mobile^® App. With no annual fee and a customizable payment schedule, you’ll pay off balances on your terms—without surprises.

Terms apply. Balance transfers must be completed within 4 months of account opening. Balance transfer fee: 5% of each transfer (min $5). After intro periods, variable APR of 17.24%–27.99% applies. See full terms for details.

Simplify Your Debt Paydown with the Citi^® Simplicity^® Card

• 0% intro APR on purchases for 12 months and on balance transfers for 21 months
• No annual fee—ever
• No late fees or penalty APR, even if you pay late
• Choose your payment due date to fit your cash flow
• Balance transfer fee: 3% of each transfer (min $5) within first 4 months; 5% thereafter
• 3% foreign transaction fee on international purchases
• Citi^® Quick Lock lets you lock or unlock your card instantly

This card is purpose-built for smart borrowers who need time and flexibility to eliminate debt without worrying about fees piling up. With industry‑leading intro APR periods, forgiving payment policies and simple online tools, you’ll stay in control of your balances and credit health.

Terms apply. After intro periods, a variable APR of 18.24%–28.99% will apply. See Citibank for full details.