RateHerald

The full list

All 0% intro APR cards

All 179 cards on the list, to sort and filter. The list page shows the top of each ranking.

Checked Nov 1, 2026

Sorted by Yearly cash value after the first year for our typical spender (rewards and credits minus fees), highest first. Counts only cash back and points the issuer prices in cents; cards whose rewards we can’t count, or whose points have no stated cash value, come last.

  1. 1Wells Fargo Cash Back Credit CardWells FargoWelcome offer: $100 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$600 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  2. 2Evergreen® Business Edition® Credit CardFNBOYearly value$600 a yearIntro APR0% for 6 mothen 17.49–28.24%Purchase APR17.49–28.24%
  3. 3U.S. Bank Smartly™ Visa Cash Back Credit CardUS BankYearly value$600 a yearIntro APR0% for 12 mothen 17.99–28.24%Purchase APR17.99–28.24%
  4. 4Savor RewardsCapital OneWelcome offer: $200 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$515 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  5. 5Chase Freedom Unlimited Credit CardChaseWelcome offer: $200 cash back after $500 in 3 monthsOnce per 24 monthsYearly value$505 a yearIntro APR0% for 15 mothen 18.49–27.99%Purchase APR18.49–27.99%
  6. 6U.S. Bank Altitude® Go Visa Credit CardUS BankWelcome offer: 20,000 Points after $1,000 in purchasesOnce per 60 monthsYearly value$505 a yearIntro APR0% for 15 mothen 17.74–27.74%Purchase APR17.74–27.74%
  7. 7Ollo Rewards+ for Educators MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  8. 8Ollo Rewards+ for Nurses MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  9. 9Ollo Everyday Rewards MastercardMerrick BankYearly value$455 a yearIntro APR0% for 12 mothen 24.49–29.99%Purchase APR24.49–29.99%
  10. 10Our Best Rewards Credit CardWells FargoWelcome offer: 20,000 points after $1,000 in 3 monthsOnce per 48 monthsYearly value$455 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  11. 11AFA-CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  12. 12AFGE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  13. 13AFM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  14. 14AFSCME Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  15. 15AFT+ Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  16. 16ALPA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  17. 17APWU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  18. 18ATU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  19. 19BCTGM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  20. 20Business Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsYearly value$450 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  21. 21Regions Cash Rewards Credit CardRegionsWelcome offer: $100 cash back after $500 in 3 monthsWas $200Yearly value$450 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  22. 22CSEA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  23. 23CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  24. 24IAFF Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  25. 25IAM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  26. 26IATSE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  27. 27IBB Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  28. 28IBEW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  29. 29Ink Business Unlimited Credit CardChaseWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$450 a yearIntro APR0% for 12 mothen 16.99–24.99%Purchase APR16.99–24.99%
  30. 30Ironworkers Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  31. 31Ironworkers Primary Access Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  32. 32IUE-CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  33. 33IUOE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  34. 34IUPA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  35. 35IUPAT Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  36. 36NALC Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  37. 37NATCA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  38. 38NNU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  39. 39NNU Rate Advantage Credit CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  40. 40NPMHU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  41. 41NPMHU Rate Advantage Credit CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  42. 42OPEIU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  43. 43Quicksilver Cash Back Rewards CardCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  44. 44SMART Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  45. 45Spark 1.5% Cash SelectCapital OneWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$450 a yearIntro APR0% for 9 mothen 16.99–26.99%Purchase APR16.99–26.99%
  46. 46Teamsters Cash RewardsCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.9–26.99%Purchase APR16.90–26.99%
  47. 47Teamsters Direct Mail - Mainstreet (Teaser)Capital OneYearly value$450 a yearIntro APR0% for 9 mothen 27.24–27.49%Purchase APR27.24–27.49%
  48. 48Teamsters Direct Mail - UpmarketCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 20.9–25.15%Purchase APR20.90–25.15%
  49. 49TWU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  50. 50UAW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%

Values are estimates for our typical spender ($2,500 a month) from each card’s published terms, not advice. “Needs $… a month” marks a bonus whose spending requirement is above that pace. We sort by the measure you pick and nothing else; no link here pays us. How we value cards