SwitchWizeSmart financial decisions

Compare · 10 verified cards · Updated July 2026

Best 0% APR cards for balance transfers and large purchases

Tell us your monthly spend and we rank every card by the real dollars it puts back in your pocket — bonus, rewards, and fees included. No marketing headlines.

Independent by designWe rank by value to you — not commissionEvery issuer pays us the same: nothing for a higher rankEstimates use your spend, not a marketing headlineRead methodology →
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
We only rank cards with complete fee, APR, bonus, and rewards data.
All CardsCash BackTravel & MilesBalance TransferNo Annual FeeBusinessBuild Credit
Showing 10
1Our top pick

Ranked with verified fee, rewards, APR, bonus, and source data.

BO
Bank of America
Full review

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Bank of America0% Intro APRVerified

Customized Cash Rewards

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • up to 3% rewards in bonus categories
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
3.0%
on eligible spend
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
2Why #2

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

CH
Chase
Full review

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Chase0% Intro APRVerified

Chase Freedom Flex

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 5% back on Rotating 5% (activate) & Dining
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
5.0%
cash back on rotating 5% (activate) & dining

5% on rotating quarterly categories you activate (up to $1,500/qtr), 5x on Chase Travel, 3% on dining & drugstores, 1% else. Activation required each quarter for the 5%.

Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
3Why #3

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

CI
Citi
Full review

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Citi0% Intro APRVerified

Citi Strata

Trust 95
  • 15-month 0% intro APR
  • No annual fee
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
1.5%
points per $1 spent
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
4Why #4

Ranked with verified fee, rewards, APR, bonus, and source data.

WF
Wells Fargo
Full review

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Wells Fargo0% Intro APRVerified

Active Cash

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 2.0% back on all purchases
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
2.0%
cash back on spend
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
5Why #5

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

CO
Capital One
Full review

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Capital One0% Intro APRVerified

Quicksilver Cash Rewards

Trust 88
  • 15-month 0% intro APR
  • No annual fee
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
1.5%
cash back on spend
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
6Why #6

For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening

CO
Capital One
Full review

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Capital One0% Intro APRVerified

Savor Cash Rewards

Trust 88
  • 15-month 0% intro APR
  • No annual fee
  • up to 3% rewards in bonus categories
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
3.0%
on eligible spend
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
7Why #7

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

CO
Capital One
Full review

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Capital One0% Intro APRVerified

Ventureone Rewards

Trust 88
  • 15-month 0% intro APR
  • No annual fee
  • No foreign transaction fee
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
1.3%
miles per $1 spent
Est. interest saved
$1,313
0% intro period15 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
8Why #8

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not

AE
American Express
Full review

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American Express0% Intro APRVerified

Blue Cash Preferred Card

Trust 92
  • 12-month 0% intro APR
  • up to 6% back in bonus categories
Transfer fee
3–5%
of amount transferred
Annual fee
$95
Intro APR
0% · 12mo
then standard APR
Rewards rate
6.0%
cash back on spend
Est. interest saved
$1,050
0% intro period12 months
vs. ~21% standard APRsaved
Annual fee-$95
Based on $5,000 balance · how we calc
See offer
9Why #9

Earn unlimited 2% cash back on every purchase

UB
U.S. Bank
Full review

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U.S. Bank0% Intro APRVerified

Smartly

Trust 88
  • 12-month 0% intro APR
  • No annual fee
  • 2.0% back on all purchases
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 12mo
then standard APR
Rewards rate
2.0%
cash back on spend
Est. interest saved
$1,050
0% intro period12 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
10Why #10

Ranked with verified fee, rewards, APR, bonus, and source data.

UB
U.S. Bank
Full review

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U.S. Bank0% Intro APRVerified

U.S. Bank Smartly Visa Signature Card

Trust 88
  • 12-month 0% intro APR
  • No annual fee
  • 2.0% rewards on all purchases
Transfer fee
3–5%
of amount transferred
Annual fee
$0
Intro APR
0% · 12mo
then standard APR
Rewards rate
2.0%
on eligible spend
Est. interest saved
$1,050
0% intro period12 months
vs. ~21% standard APRsaved
Annual fee$0
Based on $5,000 balance · how we calc
See offer
Estimates use your $2,500/mo spend·Card terms reviewed regularly·Incomplete card economics are excluded from rankings·How we rank & value cards

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