0% Intro APR Credit Cards (Up to 21 Months)
If youâre paying high-interest credit cards, you might be qualified for zero transfer balance. That can save you money for up to 21 months.
This page helps you choose the right payoff tool (0% intro APR) without spiraling: use the quick picks if you want speed, or scroll to the full offer cards for details.
Updated: January 2026 ¡ Pick the card that matches your timeline. Then automate payments. Thatâs the âsecret.â
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Top 0% APR Picks (low-regret options)
Pick one card that matches your payoff timeline. These are the three âstart hereâ optionsâfast to scan, low regret.
Wells Fargo ReflectÂŽ Card
Skip to full offers âBest for the longest 0% runway (up to 21 months).
If youâre trying to pay down a meaningful balance, time matters more than bells and whistles.
Guardrail: A long promo period only helps if you set a payment that clears the balance before it ends.
- People who want the most time to finish the job.
- Action: Set autopay so the balance hits $0 before the promo ends.
- Rule: Donât keep adding new charges while youâre paying down debt.
If you want the full terms and breakdown, use the âCard-by-cardâ section below.
Chase Freedom UnlimitedÂŽ
Skip to full offers âBest for flexible rewards + intro APR.
Good âeveryday cardâ value while youâre in your payoff phase (if you donât chase categories).
Guardrail: If youâre transferring a balance, prioritize payoff over points.
- People who want straightforward rewards without rotating categories.
- Action: Set autopay so the balance hits $0 before the promo ends.
- Rule: Donât keep adding new charges while youâre paying down debt.
If you want the full terms and breakdown, use the âCard-by-cardâ section below.
Discover itÂŽ Cash Back
Skip to full offers âBest for first-year Cashback Match⢠(if youâll use it).
The first-year match can be real valueâif youâre consistent and understand the categories.
Guardrail: If categories stress you out, choose a simpler rewards structure.
- People who can handle light category tracking and want a first-year boost.
- Action: Set autopay so the balance hits $0 before the promo ends.
- Rule: Donât keep adding new charges while youâre paying down debt.
If you want the full terms and breakdown, use the âCard-by-cardâ section below.
Best 0% Intro APR Cards â January 2026
Quick scan. Then choose one card and commit to the payoff plan.
Card-by-card breakdown (what matters, what to watch)
These blocks are built like your Savings Hub âproblem blocksâ: fast to scan, clear guardrails, and no fluff.
Blue Cash EverydayÂŽ Card from American Express
Back to top âBest if you want a simple, no-annual-fee card with everyday categories while youâre in payoff mode.
- $0 annual fee
- Everyday categories can be strong value (eligible purchases)
- Good âset it and forget itâ rewards structure
- Watch: Rewards can tempt spending if youâre not careful
- Watch: Always confirm balance transfer terms/fees before moving debt
Guardrail: A 0% promo helps only if you set a payoff target and stop adding new charges.
Wells Fargo ReflectÂŽ Card
Back to top âBest when your goal is time: a longer runway gives you a cleaner payoff plan.
- Long payoff runway (see terms)
- $0 annual fee
- Strong fit for balance transfer payoff sequencing
- Watch: Confirm balance transfer fee and eligibility window
Guardrail: A 0% promo helps only if you set a payoff target and stop adding new charges.
Chase Freedom UnlimitedÂŽ
Back to top âBest for people who want one card that can do âpayoff + everyday rewardsâ without rotating categories.
- Straightforward earning structure
- $0 annual fee
- Good everyday fit (if you donât reward-chase)
- Watch: Rewards donât matter if the balance isnât going down
Guardrail: A 0% promo helps only if you set a payoff target and stop adding new charges.
Discover itÂŽ Cash Back
Back to top âBest when youâll actually use rotating categories and want the first-year match boost.
- First-year match can add real value
- $0 annual fee
- Solid beginner card (if you like categories)
- Watch: Rotating categories require attention
Guardrail: A 0% promo helps only if you set a payoff target and stop adding new charges.