Summit National
Summit Cash Preferred
- Rewards
- 2% on everything
- Intro offer
- $200 after $1,500 spend in 3 months
- Annual fee
- $0
- Flat-rate cash back
- No annual fee
- Cell phone protection
Best 0% intro APR credit cards
A 0% intro APR card is effectively a free short-term loan: purchases or transferred balances accrue no interest during the promotional window. The discipline is paying it off before the clock runs out — after that, standard variable APRs of 18%–28% apply.
excellent odds
Meridian Bank
Meridian Travel Elevate
- Rewards
- 3x travel & dining, 1x other
- Intro offer
- 60,000 points after $4,000 spend
- Annual fee
- $95
- No foreign transaction fees
- Transfer partners
- $50 annual hotel credit
Atlas Financial
Atlas Balance Builder
- Rewards
- 1.5% on everything
- Intro offer
- 0% APR on balance transfers for 18 months
- Annual fee
- $0
- Longest 0% window matched
- 3% transfer fee
- Free credit score tracking
Advertiser disclosure: card details are provided by partners and may change. Sample offers shown until partner integrations go live.
0% intro APR cards: FAQs
Does 0% APR mean no payments?
No — minimum monthly payments are still required. Missing one can end the promotional rate early.
Purchases, transfers, or both?
Read the terms: some cards give 0% on purchases only, some on balance transfers only, and some on both with different window lengths.
What is deferred interest?
Store cards sometimes charge all the interest retroactively if any balance remains at the end. Mainstream 0% cards do not — interest only starts on what is left.