If you’re planning a large purchase or looking to pay off existing debt, a credit card with a 0% intro APR can be an excellent move.
These cards let new cardholders avoid interest for a set period — often a year or more — so you can pay off your balance without extra costs. If you can pay off what you owe before the intro period ends, you can avoid hundreds or even thousands in interest over time.
Here are three of the best 0% intro APR credit cards to consider in May 2025.
1. Wells Fargo Reflect® Card: Longest 0% intro APR
The Wells Fargo Reflect® Card (see rates and fees) offers the longest 0% intro APR period that we’ve found: 21 months from account opening on qualifying balance transfers and purchases. That’s nearly two years to pay down your balance without extra charges.
The card also has a $0 annual fee and a balance transfer fee of 5%, min: $5.
Apply now for the Wells Fargo Reflect® Card (see rates and fees) and get up to 21 months from account opening of 0% intro APR on purchases and balance transfers.
2. Citi Simplicity® Card: Great for balance transfers
The Citi Simplicity® Card offers 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases. Then, a go-to APR of 18.24% – 28.99% (Variable) applies. It also has a $0 annual fee, no late fees, and no penalty APRs, so it’s a great pick if you want flexibility while paying down debt.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). So you can save on your balance transfer by completing it within the intro period.
(see rates and fees) to avoid fees and save big on your next balance transfer.
3. Chase Freedom Flex®: Strong rewards alongside 0% intro APR
The Chase Freedom Flex® (see rates and fees) gives you 15 months of 0% intro APR on purchases and balance transfers — plus valuable spending rewards that continue after the intro period ends.
You’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
If you want both low interest and long-term value, the no-annual-fee Chase Freedom Flex is a great choice. Apply for the Chase Freedom Flex® today (see rates and fees) to start earning rewards and avoiding interest.
Avoid interest for up to 21 months today
Whether you’re paying down debt or planning a large expense, a 0% intro APR credit card can help you duck interest for months to come. These three cards offer some of the best deals available right now.
Looking for alternatives? Check out our list of the best balance transfer credit cards so you can pay off your debt interest-free.
