21months at 0%
Saves ~$630 in interest · after intro: 14.99%–25.99% · no annual fee
21 billing cycles; transfers within 60 days of opening; no penalty APR
BBankAmericard
Best for borrowing
Borrow without interest
Need to finance a big purchase, or move debt somewhere cheaper? These cards hold interest at 0% for over a year.
First, the honest part.
If you carry a balance, ignore rewards. 2% cash back is nothing against 24% interest — a rewards card that carries a balance loses money every month. Borrow at 0%, pay it off inside the window, and go back to rewards after.
Our pick.
BankAmericard
21months at 0%
Financing $3,000 over 21 months: $0 interest here vs about $630 on a typical card. No annual fee.
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Finance a purchase
Ranked by how long they hold 0% on new purchases. Savings shown on a $3,000 purchase paid off inside the window.
21months at 0%
Saves ~$630 in interest · after intro: 17.49%–28.24% · no annual fee
Tiered APR (17.49% / 23.99% / 28.24%); transfers must post within 120 days
WWells Fargo Reflect
21months at 0%
Saves ~$630 in interest · after intro: 18.24%–28.24% · no annual fee
Reintroduced early 2026, replacing Slate Edge (which was 18mo); BT fee greater of $5 or 5%
CChase Slate
21months at 0%
Saves ~$630 in interest · after intro: 17.74%–28.74% · no annual fee
21 billing cycles; transfers within 60 days of opening (was 24 cycles until March 2026)
UU.S. Bank Shield™ Visa
15months at 0%
Saves ~$450 in interest · after intro: 17.49%–26.49% · no annual fee
up to 5% fee on future transfers
Move existing debt
Ranked by net savings moving $5,000 of balance — interest avoided minus the one-time transfer fee.
+$900saved net of the fee
21 months at 0% · 3% transfer fee ($150 on $5,000)
3% intro BT fee only if transferred within first 4 months (then 5%)
CCiti Simplicity
+$900saved net of the fee
21 months at 0% · 3% transfer fee ($150 on $5,000)
3% intro BT fee only if transferred within first 4 months (then 5%)
CCiti Diamond Preferred
+$800saved net of the fee
21 months at 0% · 5% transfer fee ($250 on $5,000)
Tiered APR (17.49% / 23.99% / 28.24%); transfers must post within 120 days
WWells Fargo Reflect
+$800saved net of the fee
21 months at 0% · 5% transfer fee ($250 on $5,000)
21 billing cycles; transfers within 60 days of opening (was 24 cycles until March 2026)
UU.S. Bank Shield™ Visa
+$800saved net of the fee
21 months at 0% · 5% transfer fee ($250 on $5,000)
21 billing cycles; transfers within 60 days of opening; no penalty APR
BBankAmericard
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
The catch most lists skip.
The 0% window is a deadline, not a gift. Whatever balance is left when it ends starts accruing at the ongoing rate — often 20%+ — immediately. Divide what you owe by the number of months and pay that much every month; miss the deadline and a $3,000leftover balance costs about $360 a year. APRs are variable and change with the market — verify the current terms on the issuer's page before applying.
APR data verified July 2026 against issuer pages. Not financial advice — if you're struggling with debt, a nonprofit credit counselor (NFCC.org) is free and safer than any card.