Credit cards

Best 0% intro APR credit cards

Cards with a 0% intro period on new purchases or on a balance transfer, with the length of that period on every row. Ordered by year-one value: the cash value of the welcome bonus, plus first-year statement credits, minus the annual fee.

41 cards. Offer terms last checked against issuers on September 4, 2026.

#	Card	Bonus	Min spend	Window	Annual fee	Year-1 value	0% intro	Links
1	Chase Ink Business Cash	100K UR	$8,000	4mo	$0	$1,000	12mo purchases	Review · Offer
2	Chase Ink Business Unlimited	100K UR	$8,000	4mo	$0	$1,000	12mo purchases	Review · Offer
3	US Bank Triple Cash Rewards Business	$750	$6,000	6mo	$0	$750	12mo purchases	Review · Offer
4	Wells Fargo Signify Business Cash	$500	$5,000	3mo	$0	$500	12mo purchases	Review
5	American Express Blue Business Cash	Up to $250 (offer varies by applicant)	$3,000	3mo	$0	$250	12mo purchases	Review · Offer
6	Morgan Stanley Blue Cash Preferred	Up to $250 (offer varies by applicant)	$3,000	6mo	$95 (waived year one)	$250	12mo purchases, 12mo transfers	Review · Offer
7	Bank of America Customized Cash Rewards	$200	$1,000	3mo	$0	$200	15mo purchases, 15mo transfers	Review · Offer
8	BofA Unlimited Cash Rewards	$200	$1,000	3mo	$0	$200	15mo purchases, 15mo transfers	Review · Offer
9	Capital One Quicksilver Rewards	$200	$500	3mo	$0	$200	15mo purchases	Review · Offer
10	Chase Freedom Flex	$200	$500	3mo	$0	$200	15mo purchases	Review · Offer
11	Chase Freedom Unlimited	$200	$500	3mo	$0	$200	15mo purchases	Review · Offer
12	FNBO Evergreen Business	$200	$1,000	3mo	$0	$200	6mo purchases	Review
13	PNC Bank Cash Rewards	$200	$1,000	3mo	$0	$200	15mo purchases	Review · Offer
14	PNC Cash Rewards Visa	$200	$1,000	3mo	$0	$200	15mo purchases	Review · Offer
15	U.S. Bank Cash+	$200	$1,000	3mo	$0	$200	15mo purchases, 15mo transfers	Review · Offer
16	USAA Bank Cashback Rewards Plus	$200	$1,000	3mo	$0	$200	15mo transfers	Review · Offer
17	USAA Eagle Adapt	$200	$1,000	3mo	$0	$200	15mo purchases	Review · Offer
18	Wells Fargo Active Cash	$200	$500	3mo	$0	$200	12mo purchases	Review · Offer
19	Wells Fargo Autograph	20K Wells Fargo Rewards	$1,000	3mo	$0	$200	12mo purchases	Review · Offer
20	CommunityAmerica Visa Signature	$150	$2,000	3mo	$0	$150	18mo purchases, 18mo transfers	Review · Offer
21	American Express Blue Business Plus	Up to 15K MR (offer varies by applicant)	$3,000	3mo	$0	$105	12mo purchases	Review · Offer
22	Wells Fargo Attune	$100	$500	3mo	$0	$100	12mo purchases	Review · Offer
23	Alliant	No current bonus	—	3mo	$0	$0	12mo purchases	Review · Offer
24	Chase United GatewaySM	40K Miles	$1,000	3mo	$0	$0	12mo purchases	Review · Offer
25	Citi Diamond Preferred	No current bonus	—	—	$0	$0	12mo purchases, 21mo transfers	Review · Offer
26	Discover Chrome	No current bonus	—	3mo	$0	$0	15mo purchases	Review · Offer
27	Discover Chrome Student	No current bonus	—	3mo	$0	$0	6mo purchases	Review · Offer
28	Discover it	No current bonus	—	3mo	$0	$0	15mo purchases	Review · Offer
29	Discover it Cash Back	No current bonus	—	12mo	$0	$0	15mo purchases	Review · Offer
30	Discover it Student	No current bonus	—	3mo	$0	$0	6mo purchases	Review · Offer
31	Discover Nhl	No current bonus	—	3mo	$0	$0	15mo purchases	Review · Offer
32	GM Rewards Mastercard	100K Points	$5,000	5mo	$0	$0	9mo purchases	Review · Offer
33	PNC Bank Cash Unlimited	No current bonus	—	3mo	$0	$0	15mo purchases	Review · Offer
34	State Farm Business Card Rewards	No current bonus	—	3mo	$0	$0	12mo purchases	Review
35	Truist Enjoy Cash (Option 1)	No current bonus	—	3mo	$0	$0	12mo purchases, 12mo transfers	Review · Offer
36	Truist Enjoy Cash (Option 2)	No current bonus	—	3mo	$0	$0	12mo purchases, 12mo transfers	Review · Offer
37	United Gateway	40K United MileagePlus	$1,000	3mo	$0	$0	12mo purchases	Review · Offer
38	Wells Fargo Reflect Visa	No current bonus	—	3mo	$0	$0	21mo purchases	Review · Offer
39	Emirates Skywards Rewards	40K Points	$3,000	3mo	$99	-$99	12mo transfers	Review · Offer
40	Emirates Skywards Premium	50K Points	$3,000	3mo	$499	-$499	12mo transfers	Review · Offer
41	PNC Bank points	200 Points	min spend not confirmed	3mo	$0	$0	18mo purchases, 18mo transfers	Review · Offer

How we rank this list

Year-one value is the cash value of the welcome bonus (points at what we think that currency is worth), plus statement credits you can actually claim in the first year, minus the annual fee. Nothing on this page is ordered by how much we get paid.

Where a headline reads up to some number, the offer is targeted or tiered and the big number is a ceiling, not a promise. Those cards are ranked at their base offer, printed in brackets beside the headline.

1 card on this page has a bonus whose minimum spend we have not checked against the issuer yet. Those rows say so, and they rank below every card whose terms we do know. The full method is on the methodology page.

Want the whole catalog in one table, with a tool that matches cards to your own spending? See all credit card bonuses.