The 8 Best 0% APR Credit Cards of November 2022


Whether you have a big purchase on the horizon or want to take some time to pay down an amount over a period of time, a 0% intro APR credit card could be a good option for you.

APR stands for annual percentage rate. This rate represents the yearly interest of a credit card (or other lines of credit, like a loan) charged to the borrower. While this number can be pretty high — the average hovered around 16% in summer 2022, according to the US Federal Reserve — lower-interest rates are available. Enter 0% APR credit cards.

This article reviews our picks for the best 0% APR credit cards, including the lengths of interest-free rates, common qualifying factors, pros and cons, and what else you need to consider with these cards.

The 8 Best 0% Intro APR Credit Cards

  • Wells Fargo Reflect Card: Best for Members Who Want a Long 0% APR Period
  • Citi Custom Cash Card: Best for Users Who Need Time to Earn a Cash Bonus
  • Chase Freedom Flex Credit Card: Best for Users to Earn Cash Back at Grocery Stores
  • BankAmericard Credit Card: Best for Users Who Want Low-Fee Balance Transfers
  • Capital One SavorOne Cash Rewards Credit Card: Best for Cardmembers Who Travel and Dine Out Often
  • Blue Cash Everyday Card: Best for Users Who Want to Save on Streaming Costs
  • Chase Freedom Unlimited Credit Card: Best for Cardmembers Who Want 1.5% Cash Back
  • US Bank Cash+ Visa Signature Card: Best for Users Who Value High Cash-Back Categories

Wells Fargo Reflect Card

Best for Long 0% APR Period

Key Features

  • Up to 21 months 0% APR
  • Up to $600 of cell phone protection
  • 24/7 on-demand roadside dispatch

While this Wells Fargo card doesn’t offer a sign up bonus or credit cards rewards (others in the WF umbrella do, though), we chose this one since it offers one of the longer 0% intro APR at 18 months — and up to 21 if you make your minimum monthly payments during the introductory period. You can also get benefits like cell phone protection when you use your Wells Fargo…



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