RateHerald

Ranked by the longest 0% period

0% intro APR credit cards

Cards with a 0% introductory APR of six months or more, longest first. The top 50 of 179 cards.

Checked Nov 1, 2026

November 2026 listUpdated

Three cards give 0% for 21 months, the longest today: U.S. Bank Shield, Reflect and Chase Slate.

21​monthsthe longest 0% period

1%lowest transfer fee stated

$0annual fee, on all 50

No card here matches both. Clear a filter to see more.

Sorted by longest 0% period first, then the lowest balance transfer fee.

  1. 1U.S. Bank Shield® Visa® Credit CardUS Bank0% intro APR21 monthsTransfer fee5%Purchase APR17.24–28.24%
  2. 2Reflect Visa® Credit Card With 0% Intro APRWells Fargo0% intro APR21 monthsTransfer fee5%Purchase APR17.74–28.49%
  3. 3Chase Slate Credit CardChase0% intro APR21 monthsTransfer feeNot statedPurchase APR18.49–28.49%
  4. 4Citi Simplicity® Credit Card - Low Intro APR Credit CardCiti0% intro APR18 monthsTransfer fee3%Purchase APR17.74–28.49%
  5. 5Life Credit CardRegions0% intro APR18 monthsTransfer fee4%Purchase APR16.74–26.74%
  6. 6GreenSelect Credit CardFNBO0% intro APR18 monthsTransfer fee5%Purchase APR15.24–25.24%
  7. 7State Farm® Good Neighbor Visa®US Bank0% intro APR18 monthsTransfer fee5%Purchase APR17.74–27.74%
  8. 8Teamsters Direct Mail - UpmarketCapital One0% intro APR15 monthsTransfer fee1%Purchase APR20.90–25.15%
  9. 9Union Plus Direct Mail - UpmarketCapital One0% intro APR15 monthsTransfer fee1%Purchase APR20.90–25.15%
  10. 10AFA-CWA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  11. 11AFGE Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  12. 12AFM Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  13. 13AFSCME Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  14. 14AFT+ Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  15. 15ALPA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  16. 16APWU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  17. 17ATU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  18. 18BCTGM Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  19. 19CSEA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  20. 20CWA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  21. 21IAFF Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  22. 22IAM Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  23. 23IATSE Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  24. 24IBB Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  25. 25IBEW Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  26. 26Ironworkers Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  27. 27IUE-CWA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  28. 28IUOE Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  29. 29IUPA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  30. 30IUPAT Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  31. 31NALC Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  32. 32NATCA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  33. 33NNU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  34. 34NPMHU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  35. 35OPEIU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  36. 36SMART Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  37. 37TWU Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  38. 38UAW Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  39. 39UFCW Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  40. 40UMWA Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  41. 41UNITE HERE Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  42. 42USW Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  43. 43Working America Rate Advantage Credit CardCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.65–24.65%
  44. 44Teamsters Rate Advantage - InternetCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.90–25.15%
  45. 45Union Plus Rate Advantage - InternetCapital One0% intro APR15 monthsTransfer fee3%Purchase APR14.90–27.49%
  46. 46Citi Strata℠ CardCitiWelcome offer: 20,000 ThankYou Points after $1,000 in 3 monthsOnce per lifetime on this card family0% intro APR15 monthsTransfer fee3%Purchase APR18.74–28.74%
  47. 47Bank of America Platinum Plus® Mastercard® Business Credit CardBank of AmericaWelcome offer: $300 cash back after $3,000 in 3 months0% intro APR15 monthsTransfer fee5%Purchase APR14.99–25.99%
  48. 48U.S. Bank Altitude® Go Visa Credit CardUS BankWelcome offer: 20,000 Points after $1,000 in purchasesOnce per 60 months0% intro APR15 monthsTransfer fee5%Purchase APR17.74–27.74%
  49. 49U.S. Bank Cash+ Visa Signature® CardUS BankWelcome offer: $200 cash back after $1,000 in 3 months0% intro APR15 monthsTransfer fee5%Purchase APR17.99–28.24%
  50. 50U.S. Bank Altitude® Connect Visa Signature® CardUS BankWelcome offer: 20,000 Points after $1,000 in 3 monthsOnce per 60 months0% intro APR15 monthsTransfer fee5%Purchase APRNot stated
See all 179 cards, with sorting and an issuer filterBalance transfer calculator: is the fee worth it?

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge