Best 0% Intro APR Credit Card

How we picked the cards to evaluate:

NerdWallet reviewed more than 50 credit cards that offered an introductory 0% APR period on purchases. To be considered, that introductory 0% period had to be at least 12 months long. The cards we reviewed include products from NerdWallet partners and nonpartners.

How we chose the winner:

When choosing our best 0% intro APR card, we took into account each card’s annual fee, the length of its introductory 0% period for purchases, its ongoing APR and any features that offer lasting value once the intro period ends.

Cards' NerdWallet star ratings alone do not determine awards. Here's how our credit cards team distinguishes between star ratings and award selections:

  • Star ratings are quantitative: We assess the features of a card, score those features according to how they compare with other options on the market, and assign the card a rating of 1 to 5 stars based on those features. In general, a card that rates 4.5 stars will be a better value for more people than a card that rates 4.0 stars. However, the 4.0 card might be better than the 4.5 card for an individual consumer depending on that person’s circumstances.
  • Selection for awards is both quantitative and qualitative: Selection for the awards is based on discussion among editorial team members and relies on the same criteria used for the star ratings. However, star ratings alone do not dictate awards. Rather, the awards identify the best cards for specific uses or specific types of consumers, such as those looking to finance a major purchase interest-free.

How we verified our data:

NerdWallet gets credit card information from partner issuers through automated data feeds. Information about cards from nonpartner issuers is verified on the issuers’ websites.