0% Intro APR Tracker
29 live 0% intro APR card offers (19 personal, 10 business), each checked against the issuer's own page. Sort by any column or filter below. "Billing cycles" are roughly months.
| Source | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BankAmericard® credit card | Bank of America | Personal | 0% for 21 billing cycles | 0% for 21 billing cycles BTs made within 60 days |
5% | $0 | 15.24% – 26.24% variable | EX varies by state data | Issuer page | |
| Chase Slate® Credit Card Verified on Chase's 0% intro APR listing page; the old Slate Edge product URL returns 404. BT fee from the linked 21-month Chase pricing page. |
Chase | Personal | 0% for 21 mo | 0% for 21 mo | Greater of $5 or 5% | $0 | 18.49% – 28.49% variable | EX varies by state data | Issuer page · Terms | |
| Citi® Diamond Preferred® Card | Citi | Personal | 0% for 12 mo | 0% for 21 mo BTs completed within first 4 months |
3% (min $5) intro within 4 months, then 5% (min $5) | $0 | 16.74% – 27.49% variable | EX EQ varies by state data | Issuer page | |
| U.S. Bank Shield™ Visa® Card U.S. Bank calls this a 'limited time' offer. |
U.S. Bank | Personal | 0% for 21 billing cycles | 0% for 21 billing cycles BTs made within 60 days |
5% (min $5) | $0 | 17.24% – 28.24% variable | TU varies by state data | Issuer page | |
| Wells Fargo Reflect® Card BT fee from Wells Fargo's Important Credit Terms page (no reduced intro BT fee shown). |
Wells Fargo | Personal | 0% for 21 mo | 0% for 21 mo BTs made within 120 days of account opening |
5% (min $5) | $0 | 17.74%, 24.24% or 28.49% variable | EX TU varies by state data | Issuer page · Terms | |
| Blue Cash Everyday® Card (Amex) varies Amex says 'up to 18 months'. Your intro length is shown after you apply and may be as short as 6 months. BT fee not verified. |
American Express | Personal | 0% for up to 18 mo | 0% for up to 18 mo | Not verified | $0 | 19.74% – 28.74% variable | EX data | Issuer page | |
| Citi Double Cash® Card Balance-transfer-only intro; no intro APR on purchases. |
Citi | Personal | — | 0% for 18 mo BTs completed within first 4 months |
3% (min $5) intro within 4 months, then 5% (min $5) | $0 | 18.49% – 28.74% variable | EX EQ varies by state data | Issuer page | |
| Citi Simplicity® Card No late fees and no penalty rate per Citi. |
Citi | Personal | 0% for 18 mo | 0% for 18 mo BTs completed within first 4 months |
3% (min $5) intro within 4 months, then 5% (min $5) | $0 | 17.74% – 28.49% variable | EX EQ varies by state data | Issuer page | |
| Bank of America® Customized Cash Rewards | Bank of America | Personal | 0% for 15 billing cycles | 0% for 15 billing cycles BTs made within first 60 days |
3% for first 60 days, then 5% | $0 | 17.74% – 27.74% variable | EX varies by state data | Issuer page | |
| Bank of America® Unlimited Cash Rewards | Bank of America | Personal | 0% for 15 billing cycles | 0% for 15 billing cycles BTs made within first 60 days |
3% for first 60 days, then 5% | $0 | 17.74% – 27.74% variable | EX varies by state data | Issuer page | |
| Capital One Quicksilver Capital One says a balance transfer fee applies; the amount wasn't verified. |
Capital One | Personal | 0% for 15 mo | 0% for 15 mo | Not verified | $0 | 18.74% – 28.74% variable | EX EQ TU data | Issuer page | |
| Chase Freedom Flex® | Chase | Personal | 0% for 15 mo | 0% for 15 mo Intro BT fee applies to BTs within 60 days |
Greater of $5 or 3% within 60 days, then greater of $5 or 5% | $0 | 18.49% – 27.99% variable | EX varies by state data | Issuer page · Terms | |
| Chase Freedom Unlimited® Chase pricing page states variable APRs are based on a 7.00% Prime Rate as of 9/22/2026. |
Chase | Personal | 0% for 15 mo | 0% for 15 mo Intro BT fee applies to BTs within 60 days |
Greater of $5 or 3% within 60 days, then greater of $5 or 5% | $0 | 18.49% – 27.99% variable | EX varies by state data | Issuer page · Terms | |
| Discover it® Cash Back Discover says a balance transfer fee applies; the amount wasn't verified. |
Discover | Personal | 0% for 15 mo | 0% for 15 mo | Not verified | $0 | 17.74% – 26.74% variable | EX EQ TU varies by state data | Issuer page | |
| Platinum Plus® Mastercard® Business card Purchase-only intro. |
Bank of America | Business | 0% for 15 billing cycles | — | n/a | $0 | 14.99% – 25.99% variable | EX varies by state data | Issuer page | |
| Alliant Visa® Platinum Credit union membership required. |
Alliant Credit Union CU | Personal | 0% for 12 mo | 0% for 12 mo | 2% (min $5) | $0 | 13.99% – 25.99% variable | Unknown | Issuer page | |
| Blue Business Cash™ Card (Amex) Purchase-only intro. |
American Express | Business | 0% for 12 mo | — | n/a | $0 | 16.99% – 28.74% variable | EX data | Issuer page | |
| Blue Business® Plus Card (Amex) Purchase-only intro. |
American Express | Business | 0% for 12 mo | — | n/a | $0 | 16.99% – 28.74% variable | EX data | Issuer page | |
| Capital One Savor Capital One says a balance transfer fee applies; the amount wasn't verified. |
Capital One | Personal | 0% for 12 mo | 0% for 12 mo | Not verified | $0 | 18.74% – 28.74% variable | EX EQ TU data | Issuer page | |
| Ink Business Cash® Purchase-only intro. |
Chase | Business | 0% for 12 mo | — | n/a | $0 | 16.99% – 24.99% variable | EX varies by state data | Issuer page · Terms | |
| Ink Business Unlimited® | Chase | Business | 0% for 12 mo | — | Greater of $5 or 5% (no intro BT APR) | $0 | 16.99% – 24.99% variable | EX varies by state data | Issuer page · Terms | |
| Truist Enjoy Cash | Truist | Personal | 0% for 12 mo | 0% for 12 mo BTs made in first 90 days |
3% (min $10) | $0 | 18.99% – 27.99% variable | Unknown | Issuer page | |
| U.S. Bank Business Shield™ Visa® Card The old business-platinum URL redirects here. |
U.S. Bank | Business | 0% for 12 billing cycles | 0% for 12 billing cycles BTs made within 30 days |
5% (min $5) | $0 | 16.49% – 25.49% variable | TU varies by state data | Issuer page | |
| U.S. Bank Triple Cash Rewards Visa® Business Card | U.S. Bank | Business | 0% for 12 billing cycles | 0% for 12 billing cycles BTs made within 30 days |
5% (min $5) | $0 | 17.49% – 26.49% variable | TU varies by state data | Issuer page | |
| United Gateway℠ Card (Chase) Purchase-only intro. BT fee not verified. |
Chase | Personal | 0% for 12 mo | — | n/a | $0 | 19.99% – 28.49% variable | EX varies by state data | Issuer page | |
| Wells Fargo Active Cash® Card | Wells Fargo | Personal | 0% for 12 mo | 0% for 12 mo BTs made within 120 days |
3% (min $5) for 120 days, then up to 5% (min $5) | $0 | 18.74%, 24.74% or 28.74% variable | EX TU varies by state data | Issuer page · Terms | |
| Capital One Spark 1.5% Cash Select Page says '0% intro APR for 9 months' without saying whether it covers purchases, BTs or both. It's listed here as purchases. Check the rates & fees. |
Capital One | Business | 0% for 9 mo | — | n/a | $0 | 16.99% – 26.99% variable | EX EQ TU data | Issuer page | |
| Business Advantage Customized Cash Rewards Mastercard® Purchase-only intro. |
Bank of America | Business | 0% for 7 billing cycles | — | n/a | $0 | 16.99% – 26.99% variable | EX varies by state data | Issuer page | |
| Business Advantage Unlimited Cash Rewards Mastercard® Purchase-only intro. |
Bank of America | Business | 0% for 7 billing cycles | — | n/a | $0 | 16.99% – 26.99% variable | EX varies by state data | Issuer page · Terms |
"Typical bureau(s)" is the issuer-level pattern from our Bureau Pull Database, not a guarantee. "Not verified" means we couldn't confirm the number on the issuer's page, so we left it blank instead of guessing. Intro offers may require good-to-excellent credit and can differ by channel. Always check the issuer's terms.
Checked but not listed
- Navy Federal Platinum: Intro rate is 0.99%, not 0% (12 months on BTs made within 60 days, no BT fee). source (checked 2026-10-17)
- Citi Custom Cash® Card: Citi stopped accepting new applications as of May 28, 2026. source (checked 2026-10-17)
- PenFed credit cards: Couldn't verify. The PenFed site refused automated access (403/HTTP2 errors). source (checked 2026-10-17)
- PNC Core® Visa®: Couldn't verify. The page says 'Lowest Intro APR on Purchases & Balance Transfers' but the terms didn't load for automated reading. source (checked 2026-10-17)
- Wells Fargo Signify Business Cash: Product URL returned 404. source (checked 2026-10-17)
- Chase Slate Edge®: Product URL returned 404. Chase now lists 'Slate®' (tracked above). source (checked 2026-10-17)
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