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4 Great Travel Cards With a 0% Intro APR of October 2026
October, 2026Most travel cards don't offer a 0% intro APR, and most 0% cards don't earn travel rewards. These cards do both: you can spread out the cost of big purchases while earning points or miles toward your next trip.
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What to know about travel cards with a 0% intro APR
The intro APR covers purchases. Use it to pay off a big expense over time, but plan to clear it before the intro period ends.
Pick the right rewards. Flexible points work for many kinds of trips; airline miles are best if you already fly that airline.
Watch for extra fees. Check the annual fee and foreign transaction fee if you plan to use the card abroad.
Our pick for: 0% intro APR + bonus points on everyday travel and dining
Purchase intro APR0% intro APR for 12 months from account opening on purchasesBalance transfer intro APRN/ARegular APR18.74%, 24.74%, or 28.74% Variable APRAnnual fee$0Rewards rate1x-3xPointsIntro offer20,000pointsRecommended credit score690-850(Good - Excellent)Rewards breakdown
3xUnlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.1xUnlimited Points on other purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Autograph® Card earns bonus points across many everyday categories without an annual fee. You get time to pay off purchases while earning toward travel.
Read full reviewPros0% intro APR for 12 months from account opening on purchases.
Earns bonus points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
Cell phone protection against damage or theft, subject to a deductible.
Redeem points for travel, gift cards or statement credits.
Annual fee: $0.
ConsNo intro APR offer on balance transfers.
Our pick for: 0% intro APR + flexible travel points
Apply Nowon Bank of America's websiteon Bank of America's websitePurchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRAnnual fee$0Rewards rate1.5x-3xPointsIntro offer25,000pointsRecommended credit score690-850(Good - Excellent)Rewards breakdown
3xPoints per $1 spent on travel purchases booked through BofA Travel.1.5xPoints per $1 spent on everyday purchases.Card details
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
- Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Travel Rewards credit card is a simple travel card with no annual fee and flexible redemptions. It's one of the few ways to combine an intro APR with travel rewards.
Read full reviewPros0% intro APR on Purchases for 15 billing cycles.
Earns unlimited points on everyday purchases, plus more on travel booked through Bank of America Travel; points don't expire while your account is open.
Redeem points as a statement credit for travel and dining purchases, with no blackout dates.
No foreign transaction fees.
Annual fee: $0.
ConsNo bonus categories outside Bank of America Travel.
The highest rewards rates require Bank of America Rewards status.
Our pick for: 0% intro APR + choose-your-category points
Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.74%-28.74% Variable APRAnnual fee$0Rewards rate1x-5xPointsIntro offer20,000pointsRecommended credit score690-850(Good - Excellent)Rewards breakdown
5xPoints for each $1 spent on Hotels, Car Rentals and Attractions booked on cititravel.com.3xPoints for each $1 spent in an eligible Self-Select Category of your choice.3xPoints for each $1 spent at Supermarkets.3xPoints for each $1 spent on Select Transit purchases.3xPoints for each $1 spent at Gas & EV Charging Stations.2xPoints for each $1 spent at Restaurants.1xPoint for each $1 spent on All Other Purchases.Card details
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. 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).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- View Rates & Fees
NerdWallet's take
The Citi Strata℠ Card earns bonus points across everyday categories without an annual fee. You get time to pay off purchases while earning toward travel.
Read full reviewPros0% intro APR on purchases for 15 months.
Earns bonus points in a category you choose, plus at supermarkets, on select transit, at gas and EV charging stations and at restaurants, with more on hotels, car rentals and attractions booked through Citi Travel.
Annual fee: $0.
ConsForeign transaction fee: 3%
Few travel perks.
Our pick for: 0% intro APR + no-annual-fee United miles
Purchase intro APR0% intro APR on purchases for 12 monthsBalance transfer intro APRN/ARegular APR19.99%-28.49% Variable APRAnnual fee$0Rewards rate1x-2xMilesIntro offerUp to 50,000 MilesRecommended credit score690-850(Good - Excellent)Rewards breakdown
2xMiles on eligible United® purchases.2xMiles at gas stations, on local transit and commuting.1xMile on all other purchases.Card details
- Earn up to 50,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 5x total miles on eligible United flights and 2x miles on all other eligible United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 first standard checked bags after you spend $10,000 in a calendar year
- Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
- Member FDIC
- View Rates & Fees
NerdWallet's take
The United Gateway℠ Card earns United miles without an annual fee. It's one of the few ways to combine an intro APR with travel rewards.
Read full reviewPros0% intro APR on purchases for 12 months.
Earns miles on United purchases, at gas stations, and on local transit and commuting.
Savings on food, beverages and Wi-Fi on United-operated flights.
Annual fee: $0.
ConsFree checked bags only after you meet an annual spending threshold.
Compare the Best 0 Intro Apr Travel Credit Cards
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
 Wells Fargo Autograph® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for 0% intro APR + bonus points on everyday travel and dining | $0 | 0% intro APR for 12 months from account opening on purchases | 18.74%, 24.74%, or 28.74% Variable APR | Apply Nowon Wells Fargo's website on Wells Fargo's website |
| Bank of America® Travel Rewards credit card Apply Nowon Bank of America's website on Bank of America's website | Best for 0% intro APR + flexible travel points | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 17.74%-27.74% Variable APR | Apply Nowon Bank of America's website on Bank of America's website |
 Citi Strata℠ CardApply Nowon Citibank's application on Citibank's application | Best for 0% intro APR + choose-your-category points | $0 | 0% intro APR on purchases and balance transfers for 15 months | 18.74%-28.74% Variable APR | Apply Nowon Citibank's application on Citibank's application |
 United Gateway℠ CardApply Nowon Chase's website on Chase's website | Best for 0% intro APR + no-annual-fee United miles | $0 | 0% intro APR on Purchases for 12 months | 19.99%-28.49% Variable APR | Apply Nowon Chase's website on Chase's website |
