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- Carries a 0% intro APR, which is what you asked for
- 0% intro APR on purchases for 21 months
- No annual fee
This card is for someone paying down a balance or spreading out a large purchase. It gives 0% intro APR for 21 months from account opening on purchases and on balance transfers made within 120 days, with no annual fee. It also includes up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. The caveat: it earns no rewards, and each balance transfer costs 5% (minimum $5).
- Carries a 0% intro APR, which is what you asked for
- 0% intro APR on purchases for 21 months
- No annual fee
This card is for people who want time to pay down existing debt or a large purchase without interest. Purchases and balance transfers both get a 0% intro APR for 21 months from account opening, then 18.24% - 28.24% Variable. There is no annual fee, and Chase considers the account for a credit line increase every 6 months. The caveat: it earns no rewards and a balance transfer fee applies, so it is a payoff tool rather than an everyday spending card.
- Carries a 0% intro APR, which is what you asked for
- 0% intro APR on purchases for 15 months
- No annual fee
Discover it Cash Back is for people who will activate a quarterly category and want an outsized first year. You earn 5% in rotating categories on up to $1,500 in purchases each quarter when you activate, and 1% on everything else. At the end of your first year, Discover matches every dollar of cash back you earned. There is no annual fee. The caveat: the 5% requires activation each quarter and stops at the cap.
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
This card is for people who want one number: 2% back on everything, forever, with no annual fee. The $100 bonus requires only $500 in purchases in three months, one of the lowest hurdles among major cards. It also carries a 12-month 0% intro APR on purchases and qualifying balance transfers. The caveat is the 3% foreign transaction fee: leave it home when traveling abroad.
For people who spend most in one area and are happy to pick it. You choose one category (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement) for 6% cash back in the first year, then 3%, and get 2% at grocery stores and wholesale clubs. One category at a time, up to $2,500 in combined choice and grocery purchases each quarter, then 1%. No annual fee, and 0% intro APR for 15 billing cycles. The caveat: the quarterly cap limits big spenders, and a 3% foreign transaction fee makes it a poor card abroad.
This card is for drivers and diners who want bonus cash back without rotating categories. It earns 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% on everything else, and Discover matches all cash back earned in the first year. Purchases and balance transfers get 0% intro APR for 15 months, with a $0 annual fee. The caveat: the 2% rate stops after $1,000 in combined gas and restaurant spend each quarter, then those purchases earn 1%.
This card is for people who want simple travel rewards with no annual fee and no booking portal. Every purchase earns 1.5x miles, and 100 miles are worth $1 as cash or travel credit. Discover matches every mile earned in the first year with no minimum spend, and purchases and balance transfers get 0% intro APR for 15 months. The caveat: after the first-year match it is a flat 1.5x with no bonus categories, and a balance transfer fee applies.
This card is for people with excellent credit who want one flat rate and no fee. Every purchase earns 1.5% cash back with no categories or caps, and a $200 bonus comes after $500 in purchases in the first three months. Purchases and balance transfers get 0% intro APR for 15 months, and there is no foreign transaction fee. The caveat: outside the Capital One Travel portal the rate never rises above 1.5%, so heavy grocery and dining spenders earn more on a tiered card such as Capital One's Savor.
This card rewards people who will activate and chase quarterly categories. Up to $1,500 in combined purchases earns 5% each quarter you activate, with 3% on dining and drugstores year round. New cardmembers get a $200 bonus after $500 in spend and 15 months of 0% intro APR on purchases and transfers. Category caps mean the ceiling on 5% earnings is $75 per quarter.
The Blue Cash Everyday covers the three places most households actually spend: groceries, gas and online shopping, each at 3% on up to $6,000 per category per year. There is no annual fee, and a 0% intro APR for 15 months applies to purchases and balance transfers alike. Monthly Disney streaming and Home Chef credits add quiet value. Bigger grocery budgets outgrow the caps and belong on the Blue Cash Preferred.
Altitude Go is for people whose biggest everyday category is food. You earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter, and 2X at grocery stores, gas and EV charging stations, and on streaming. There is no annual fee. The caveat: the 4X rate is now capped each quarter, then dining earns 1X.
