which banks let me get zero APR cards?

Yes. If you mean credit cards with a 0% introductory APR, several major banks offer them. As of August 2026, some of the longest offers are around 21 months.

Banks with 0% APR cards

The 0% period can apply to purchases, balance transfers, or both, depending on the card. For example, Chase currently lists both Slate and Freedom Flex with 0% introductory APR on purchases and balance transfers.

If your goal is to finance a large purchase, I'd focus on cards offering 0% on purchases for the longest period.

If your goal is to move existing credit-card debt, I'd focus on 0% balance-transfer cards—and pay attention to the transfer fee, which is commonly 3–5%.

If you tell me your approximate credit score (e.g. 650, 700, 750+) and how much you want to finance, I can narrow this down to the 3 cards you're most likely to qualify for and which has the longest 0% period.

Most major credit card issuers and national banks offer 0% introductory APR credit cards . These promotional interest-free periods typically last between 12 and 21 months and can apply to new purchases, balance transfers, or both.

🏛 Major Banks & Their 0% APR Cards

The largest banks in the U.S. feature highly competitive zero-interest offers. Depending on whether you want to move old debt or fund a new purchase, you can find options across all the major players:

• Wells Fargo: Known for providing some of the longest introductory periods on the market.
  • Wells Fargo Reflect® Card: Focuses heavily on the length of the zero-interest window for purchases and balance transfers.
  • Wells Fargo Active Cash® Card: Offers 0% intro APR on purchases and qualifying balance transfers while earning a flat 2% cash back.
• Citi: Features strong options specifically geared toward paying off existing balances.
  • Citi® Diamond Preferred® Card: Offers an extended 21-month 0% introductory rate on balance transfers.
  • Citi Simplicity® Card: Provides a lengthy intro period and waives late fees.
  • Citi Custom Cash® Card: Pairs a 15-month 0% APR with 5% cash back on your top spending category each billing cycle (up to $500 spent).
• Chase: Excellent for stacking zero interest with strong sign-up bonuses and daily rewards.
  • Chase Slate Edge®: A dedicated utility card featuring an extended introductory interest-free timeline.
  • Chase Freedom Unlimited®: Combines a 0% intro APR period with robust tiered cash-back rewards.
  • Chase Freedom Flex®: Pairs 0% intro APR with 5% rotating quarterly bonus categories.
• U.S. Bank: Offers top-tier card options for pure interest-free duration.
  • U.S. Bank Shield™ Visa® Card: Frequently ranks as one of the longest zero-interest timelines available for both purchases and debt transfers.
• Bank of America: Great choices for cash back or travel points paired with introductory waivers.
  • BankAmericard® Credit Card: A streamlined card primarily built to lower the cost of large expenses or balance payoff.
  • Bank of America® Customized Cash Rewards: Delivers a 0% intro APR period alongside customizable 3% cash-back categories.
• American Express: High-value rewards cards with introductory zero-rate terms.
  • Blue Cash Everyday® Card: Grants a 15-month 0% APR on purchases and balance transfers alongside cash back on U.S. online retail, groceries, and gas.
• Discover: Transparent, consumer-friendly structures.
  • Discover it® Cash Back: Combines a 15-month 0% intro APR on purchases and balance transfers with their unique first-year cash-back match program.

⚠️ Crucial Fine Print to Keep in Mind

Before opening a zero-interest card, note these hidden costs and operational rules:

• Total Capital Loss / Debt Risks: While 0% APR protects you from interest, missing a single payment can immediately void your promotional rate, trigger high penalty APRs, and damage your credit profile.
• Balance Transfer Fees: Moving debt isn't entirely free. Most banks charge an upfront transaction fee between 3% and 5% of the total amount transferred.
• Credit Requirements: Zero percent cards are almost exclusively reserved for applicants with good to excellent credit scores (typically 670 or higher).
• The Deferred Interest Trap: Ensure your card is a true "0% Intro APR" card and not a retail store card offering "no interest if paid in full." Store cards often use deferred interest, meaning if you owe even $1 when the promo ends, they retroactively charge you interest on the entire original balance.

📈 Strategic Framework: How to Evaluate Your Options

To maximize your savings, select a card based on what you are trying to accomplish:

To give you the most accurate recommendation, could you tell me:

• Are you looking to transfer an existing balance or finance a large upcoming purchase?
• Roughly what credit score tier (e.g., Excellent, Good, Fair) are you working with?
• How many months do you think you'll need to completely pay off the expected balance?

Several major banks and issuers offer credit cards with a 0% introductory APR period for purchases, balance transfers, or both.

Major banks that routinely feature 0% intro APR offers include:

• Citi : Known for some of the longest zero-interest windows on the market, such as the Citi Simplicity Credit Card and the Citi Diamond Preferred Card , which often provide up to 21 months of 0% intro APR on balance transfers.
• Wells Fargo : Offers cards like the Wells Fargo Reflect Visa Credit Card , which frequently wins top marks for long 0% intro APR periods covering both new purchases and qualifying balance transfers.
• Bank of America : Features cards like the Bank of America Customized Cash Rewards Credit Card and their travel/cash-back lines, which routinely bundle introductory 0% APR windows for an initial cycle of billing months on purchases and balance transfers.
• Chase : Offers 0% intro APR periods on popular everyday cards like the Chase Freedom Unlimited Credit Card and Chase Freedom Flex, giving you an initial window of interest-free time on new purchases and/or balance transfers.
• American Express : Provides intro 0% APR windows on several personal and cash-back cards, such as the American Express Blue Cash Everyday Card , for purchases and balance transfers.
• Capital One : Offers introductory 0% APR periods on various rewards and cash-back cards (like Capital One Savor) for initial windows post-approval.

Are you looking for a card primarily for new purchases or for transferring an existing balance ? Knowing that can help me recommend the specific bank and card length that fits best.

Yes. Several major banks currently offer 0% introductory APR credit cards. The key is that “0% APR” is usually temporary—typically 12–21 months—and then the regular APR kicks in.

Some of the strongest current options

These offers are current as of August 2026 and can change.

If your goal is a big purchase

I'd focus on Chase Slate, U.S. Bank Shield, or Wells Fargo Reflect, because they're among the longest 0% periods currently available—around 21 months.

If you're trying to move existing credit-card debt

Look specifically at the balance-transfer terms. A card can advertise 0% APR but still charge a 3–5% balance-transfer fee, so it's not literally free to move the debt. For example, Wells Fargo Reflect currently charges a 5% transfer fee (minimum $5) for transfers qualifying for the introductory rate.

Also, 0% APR doesn't mean you can skip payments—you generally still need to make the required minimum payment every month.

If you tell me your approximate credit score (e.g. 650, 700, 750+) and whether you want 0% for a new purchase or to transfer existing debt, I can narrow it down to the 3 cards you're most likely to qualify for.

Yes. As of August 2026, several major U.S. banks offer cards with 0% introductory APR. The key distinction is that it’s usually 0% for a limited introductory period, not permanently.

The longest offers I found are 21 months, from Bank of America, Chase and Wells Fargo.

If you're trying to finance a big purchase

I'd focus on the 21-month cards, because you get the longest window to pay the balance without interest.

If you're trying to transfer existing credit-card debt

Look specifically at balance-transfer terms and fees, not just the 0% period. For example, Chase Slate and BankAmericard both advertise 0% periods for qualifying balance transfers, but balance-transfer fees can still apply.

One important catch: after the promotional period, the APR jumps substantially—for example, Chase Slate currently lists 18.24%–28.24% variable APR after the intro period.

If you tell me your approximate credit score (e.g. 650, 700, 750+), whether you want a balance transfer or new purchases, and roughly how much you need, I can narrow this down to the 2–3 cards you're most likely to qualify for.

Most major major credit card issuers and banks offer cards with 0% introductory APR periods for either new purchases, balance transfers, or both.

Top bank options and their prominent 0% intro APR cards include:

• Wells Fargo : Offers the Wells Fargo Reflect® Card , which is widely recognized for having one of the longest zero-interest introductory windows available for both purchases and qualifying balance transfers. They also offer 0% intro periods on reward cards like the Wells Fargo Active Cash® Card.
• Citi : Known for specialized balance transfer options like the Citi® Diamond Preferred® Card , which provides a very long 0% intro window for balance transfers, and the Citi Simplicity® Card which features no late fees or penalty APRs.
• U.S. Bank : Offers the U.S. Bank Shield® Visa® Card , which features an extended 0% introductory APR runway for purchases and balance transfers.
• Bank of America : Offers the BankAmericard® credit card , providing a lengthy 0% intro APR period for purchases and balance transfers made early in the account lifecycle.
• Chase : Features popular cash-back cards with built-in promotional periods, such as the Chase Freedom Unlimited® , which combines a 0% intro APR on purchases and balance transfers with ongoing rewards.
• American Express : Offers 0% intro APR promotions on everyday rewards cards like the Blue Cash Everyday® Card from American Express.

Are you looking for a 0% APR card primarily for new purchases (like financing a large buy) or for a balance transfer to pay off existing debt? Let me know and I can help you narrow down the best specific card length and terms.

Yes. If by “zero APR” you mean 0% introductory APR, several major banks currently have cards offering it. As of August 2026, some of the strongest options are:

The BankAmericard currently offers 0% on purchases and qualifying balance transfers for 21 billing cycles, while Wells Fargo Reflect offers 0% for 21 months on purchases and qualifying balance transfers.

Chase's current Slate also has 21 months at 0%, while Freedom Flex offers 15 months plus cash-back rewards.

If you're trying to finance a big purchase

I'd focus on BankAmericard, Wells Fargo Reflect, or U.S. Bank Shield because you're getting roughly 21 months with no annual fee. U.S. Bank Shield also currently has a 21-billing-cycle 0% offer.

One important catch

The 0% rate eventually expires. Afterward, these cards can jump to roughly 15–28%+ APR depending on the card and your creditworthiness.

If you tell me your approximate credit score (e.g. 650, 700, 750+) and whether you want the card for a big purchase or to transfer existing debt, I can narrow it down to the 3 cards you're most likely to qualify for and which one is best.

Major banks and credit card issuers like Wells Fargo, Citi, Bank of America, Chase, U.S. Bank, American Express, Capital One, and Discover all offer credit cards with 0% intro APR periods for new purchases , balance transfers , or both.

The top major issuers and their standard 0% intro APR options include:

• Wells Fargo : Offers the Wells Fargo Reflect® Card with a 0% intro APR for 21 months on purchases and qualifying balance transfers , as well as the Wells Fargo Active Cash® Card.
• Citi : Offers cards like the Citi® Diamond Preferred® Card (up to 21 months on balance transfers) and the Citi Simplicity® Card.
• Bank of America : Features the BankAmericard® Credit Card , which provides a 0% intro APR for 21 billing cycles on purchases and initial balance transfers.
• Chase : Offers 0% introductory periods on cards like the Chase Freedom Unlimited® and Chase Freedom Flex®.
• U.S. Bank : Offers the U.S. Bank Shield™ Visa® Card with lengthy introductory terms.
• American Express : Features everyday cards with introductory rate windows such as the Blue Cash Everyday® Card.
• Capital One : Provides low-rate introductory options across Capital One credit cards like the VentureOne and Savor lines.
• Discover : Offers rotating and flat cash back cards with introductory 0% periods on purchases and balance transfers.

If you share whether you are looking to pay off new purchases or transfer an existing balance , I can recommend the specific card with the longest 0% window for your needs.

Almost all major U.S. banks and credit card issuers offer cards with an introductory 0% intro APR period for purchases, balance transfers, or both. These promotional windows typically range from 12 to 21 months.

Major banks and top 0% APR cards available include:

• Wells Fargo offers the Wells Fargo Reflect Visa Credit Card , which is widely recognized for offering one of the longest zero-interest windows (up to 21 months from account opening on purchases and qualifying balance transfers). They also offer the Wells Fargo Active Cash Card with a shorter 0% intro period combined with flat 2% cash back.
• Citi offers cards like the Citi Simplicity Card and the Citi Diamond Preferred Card , both known for exceptionally long 0% intro periods on balance transfers (up to 21 months) and no late penalty fees (Simplicity). The Citi Double Cash Card also features a strong 0% balance transfer window alongside cash back.
• Bank of America features the BankAmericard Credit Card , providing a lengthy 0% intro APR period for both purchases and qualifying balance transfers made in the opening months.
• Chase offers the popular Chase Freedom Unlimited Card and the Chase Slate Card , which pair introductory 0% APR windows for purchases and balance transfers with cash back rewards.
• U.S. Bank offers the U.S. Bank Shield Visa Card , which stands out for long zero-interest introductory terms on purchases and unique travel/cash back perks.
• American Express provides 0% intro APR offers on everyday spending cards like the Blue Cash Everyday Card and Blue Cash Preferred Card.
• Discover offers the Discover it Cash Back and student variations, which feature competitive 0% intro APR periods on purchases and balance transfers alongside their famous cash-back match at the end of the first year.

Are you looking for a 0% APR card primarily for making a large purchase or for transferring existing debt ? Let me know, and I can narrow down the best specific options and terms for you.

If you mean credit cards with a 0% introductory APR, many major banks offer them. The 0% period is usually a promotion (not permanent), often lasting 12–21 months depending on the card and your approval.

Some banks with strong 0% APR card options:

*Offers change frequently and depend on credit approval.

A few things to watch:

• 0% APR usually does not mean no fees. Balance transfers often charge a fee (commonly a percentage of the amount transferred).
• When the promo ends, the card’s regular APR applies to any remaining balance.
• The best cards usually require good to excellent credit.

If you tell me:

1. your approximate credit score (e.g., 600, 680, 750+),
2. whether you want new purchases or a balance transfer, and
3. how much you want to finance,

I can narrow down which 0% cards you’re most likely to get approved for.