Best 0% APR Credit Cards for January 2023

The Wells Fargo Reflect® Card offers a unique proposition among 0% introductory APR cards. Not only can you take advantage of the 0% introductory APR on purchases and qualifying balance transfers for an entire 18 months from account opening, but you can earn a three month extension on that timeframe if you pay all of your minimum payments on time during the introductory period. This means you can use up to 21 months from account opening of 0% introductory APR on purchases and qualifying balance transfers (17.24% to 29.24% variable APR thereafter), which is unmatched by any other offer we could find. The trick is — as with all 0% intro APR cards — to be disciplined.

Check out our full review of the Wells Fargo Reflect® Card.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The BankAmericard® credit card not only has one of the longest balance transfer offers, but it also offers a lower balance transfer fee than other balance transfer credit cards.

Cardholders will have an introductory (see terms) APR offer for purchases and balance transfers for 21 billing cycles (then see terms variable) with a balance transfer fee of 3% ($10 minimum).

You’ll need to make any balance transfers within the first 60 days of account opening, but you’ll have 21 billing cycles to pay it down. A 3% fee may sound painful, but it will sting far less considering how much money you’d likely spend on interest charges by letting a balance accrue interest on another card.

For more information, see our full review of the BankAmericard credit card.

The Citi Double Cash Card is one of the best flat-rate cash-back cards you could add to your wallet. It’s both lucrative and versatile as it earns rewards no matter what you’re buying. It also features a long promotional period to pay down a transferred balance.

It’s a double threat, it can help you avoid interest charges accruing on another credit card and provide plenty of rewards after you pay it off. It has lasting value when compared to other balance transfer credit cards. It also has no annual fee which means you can pair it with other rewards cards to maximize the return on your spending. 

Find all the details in our Citi Double Cash Card review.

The U.S. Bank Visa Platinum Card is a great card for a balance transfer, with 18 billing cycles of 0% intro APR on purchases and balance transfers. (Remember you still need to make minimum monthly payments, though: 18.74% to 28.74% variable APR thereafter.) The trade-off is a lack of welcome bonus and rewards, but there’s no annual fee either.

For more details, see our full review of the U.S. Bank Visa Platinum Card.

The Chase Slate Edge℠ offers a full 18 months of 0% introductory APR on both purchases and balance transfers (18.74% to 27.49% variable APR thereafter), beating out most other cards with intro APR offers. Beyond those 18 months, you’ll have the option to utilize My Chase Plan® on qualifying purchases of at least $100. With this program, you are able to spread out your payments in monthly installments for no interest — the catch is a flat monthly fee of 1.72%. But it is important to note that this fee can end up being very costly, on par with a higher APR if your balance remains unpaid.

See our full review of the Chase Slate Edge for more details.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Bank of America® Customized Cash Rewards credit card gives you more control over how you earn rewards than most credit cards and provides a solid introductory APR offer.

Its intro purchase APR is likely going to be of more use here over its balance transfer opportunity, considering the card’s strong rewards. You’re able to make purchases and then pay them down at a (see terms) introductory APR for 18 billing cycles before the standard APR of see terms (variable) applies.

For no annual fee, you can choose to earn rewards for gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Online shopping and home improvement purchases are rare bonus categories to find. However, the card is held back a bit by its spending cap, but if you’re a smaller spender, it’s certainly a viable option.

You can read more in our Bank of America Customized Cash Rewards card review.

The Citi Diamond Preferred offers cardholders a significant amount of time to pay down a transferred balance, but it’s held back by its high balance transfer fee.

Cardholders have a solid 21 months to pay down any balance they transfer at 0% introductory APR (then 17.24% to 27.99% (variable)) but they’ll first need to pay a balance transfer fee of 5% ($5 minimum). The standard balance transfer fee is 3%, so you’ll end up paying a bit more with the Diamond Preferred Card than most other balance transfer credit cards.

Despite the lack of rewards, there’s also an intro purchase APR you could take advantage of to finance a large, planned purchase. However, the introductory APR on purchases is significantly shorter.

You can learn more about the card in our Citi Diamond Preferred review.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

With no annual fee, the Bank of America® Travel Rewards credit card is a great starter travel credit card.

There aren’t any foreign transaction fees, which will essentially save you 3% of each transaction you make abroad. And if you use it for a planned trip, you can pay the trip off at (see terms) introductory interest for 18 billing cycles before the standard APR of see terms (variable) kicks in.

There’s also a balance transfer offer for the same time period for any transfers made within 60 days of account opening (with a fee of 3% and $10 minimum). It doesn’t offer many travel amenities like travel cards at a higher price-point, but it’s a good card to use before moving on to more advanced credit cards.

Learn more in our Bank of America Travel Rewards card review.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Bank of America® Unlimited Cash Rewards credit card keeps it simple. Make your purchases with the card to earn 1.5% cash back. If you have any planned trips or large purchases coming up, you can charge it to the card and pay it down at (see terms) introductory APR for 18 billing cycles, then see terms (variable).

The same offer applies to any balance transfers made within 60 days of account opening, with a 3% fee ($10 min). It’s an inexpensive option for general spenders looking to either mitigate credit card debt or avoid interest charges on a planned purchase.

The Union Bank Platinum Visa Credit Card* combines a competitive introductory APR length with the rare feature of an inexpensive balance transfer. Most credit cards will charge a fee when you transfer your balance — usually 3% or 5% of the transaction — which can add to the debt you need to pay off. But if you transfer a balance to the Union Bank Platinum card within the first 60 days of getting approved, you’ll pay no balance transfer fees (3% balance transfer fee with a $10 minimum thereafter). For both purchases and balance transfers, you’ll get 15 months from account opening to take advantage of the introductory APR (after that, you’ll be subject to a variable 9.99% – 21.49% APR).