Chase · personal
Chase Slate
None rewards$0 annual fee
No rewards program; focused on a long introductory APR and credit-management tools.
Why it made this list: A financing-first option with the longest intro APR in Cardwell's focused set.
Best 0% intro APR credit cards
Compare personal cards in Cardwell’s catalog with introductory APR offers for eligible purchases, balance transfers, or both.
Guide updated September 16, 2026 · Verify current offers with the issuer
Citi · personal
Double Cash
2%–5% rewards$0 annual fee
Unlimited 2% cash back: 1% when buying and another 1% when paying; 5% on eligible Citi Travel bookings.
Why it made this list: Straightforward 2% earning with no category enrollment or annual fee.
Chase · personal
Freedom Unlimited
1.5%–5% rewards$0 annual fee
1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.
Why it made this list: Low-maintenance cash back with elevated dining and drugstore rewards.
Referral link — Cardwell may receive a reward. Rankings stay independent.
Chase · personal
Freedom Flex
1%–5% rewards$0 annual fee
5% in activated quarterly categories on up to $1,500, 3% on dining and drugstores, and 5% through Chase Travel.
Why it made this list: High cash-back upside for users willing to activate rotating categories.
Referral link — Cardwell may receive a reward. Rankings stay independent.
American Express · personal
Blue Cash Everyday
1%–3% rewards$0 annual fee
3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.
Why it made this list: Useful household bonus categories without an annual fee.
Capital One · personal
Savor
1%–5% rewards$0 annual fee
3% on dining, entertainment, eligible streaming, and grocery stores; 5% on eligible Capital One Travel hotels, vacation rentals, and rental cars.
Why it made this list: A no-fee fit for food, entertainment and streaming-heavy budgets.
Separate purchases from balance transfers
A promotional purchase APR and a promotional balance-transfer APR are different features. Confirm which transaction is covered, how long the period lasts, and when any transfer must be completed.
Build the payoff plan first
Divide the amount you plan to finance by the number of promotional months, then leave room for timing and unexpected expenses. A realistic payment plan matters more than a long headline period.
Include fees and the ongoing APR
A balance-transfer fee can reduce the savings, and the remaining balance may begin accruing interest after the promotion ends. Compare the complete estimated cost before moving debt.
A practical way to evaluate this category
A worked example — not a card offer
A hypothetical $3,000 transfer with a 3% fee starts at $3,090; a 5% fee makes it $3,150. Paying $3,090 over 15 months takes about $206 a month, assuming no other charges or interest. This is not a current offer or approval prediction.
Details that can change your result
Identify whether you need purchase financing, a balance transfer or both. Check the transfer window, fee, minimum fee and intro duration. Same-bank transfers are generally restricted. Minimum payments remain due, and debt left after the promotion may incur regular interest.
When this category may not suit you
A short promotion may not fit a longer payoff plan. Purchase rewards should not distract from transfer costs; transfers generally do not earn rewards. A transfer promotion may have no introductory purchase APR.
Use the issuer’s actual fee, duration and APR with a sustainable payment. →
Questions about this card category
Does 0% intro APR mean every transaction is interest-free?
No. The offer may cover purchases, eligible balance transfers, or both, and other transactions can use different rates and fees.
Can I transfer a balance from the same issuer?
Often not, but rules vary. Check the current issuer terms, eligible accounts, transfer fee, deadline, and promotional period before applying.