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. 51UFCW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  2. 52UFCW Primary Access Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  3. 53UMWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  4. 54Union Plus Cash RewardsCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.99–28.99%Purchase APR16.99–28.99%
  5. 55Union Plus Direct Mail - Mainstreet (Teaser)Capital OneYearly value$450 a yearIntro APR0% for 9 mothen 27.24–27.49%Purchase APR27.24–27.49%
  6. 56Union Plus Direct Mail - UpmarketCapital OneYearly value$450 a yearIntro APR0% for 15 mothen 20.9–25.15%Purchase APR20.90–25.15%
  7. 57UNITE HERE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  8. 58USW Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  9. 59Working America Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  10. 60Triple Cash Rewards Visa® Business Credit CardUS BankWelcome offer: $750 cash back after $6,000 in 6 monthsYearly value$420 a yearIntro APR0% for 12 mothen 17.49–26.49%Purchase APR17.49–26.49%
  11. 61Visa Signature Cash Rewards, Visa Signature Travel Rewards, Go Buffs Visa SignatureElevations Credit UnionWelcome offer: $200 cash back after $1,000 in 3 monthsOnce per 24 monthsYearly value$400 a yearIntro APR0% for 12 mothen 18.24–21%Purchase APR18.24–21.00%
  12. 62Ink Business Cash Credit CardChaseWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyYearly value$360 a yearIntro APR0% for 12 mothen 16.99–24.99%Purchase APR16.99–24.99%
  13. 63Discover it Student Chrome Credit CardDiscoverYearly value$340 a yearIntro APR0% for 6 mothen 16.74–25.74%Purchase APR16.74–25.74%
  14. 64Gas & Restaurant Credit CardDiscoverYearly value$340 a yearIntro APR0% for 15 mothen 17.74–26.74%Purchase APR17.74–26.74%
  15. 65Business Advantage Cash Rewards Credit Card with 3% Choice CategoryBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsYearly value$335 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  16. 66Discover it Balance Transfer Credit CardDiscoverYearly value$300 a yearIntro APR0% for 6 mothen 17.74–26.74%Purchase APR17.74–26.74%
  17. 67Discover it Student Cash Back CardDiscoverYearly value$300 a yearIntro APR0% for 6 mothen 16.74–25.74%Purchase APR16.74–25.74%
  18. 68NHL Discover CardDiscoverYearly value$300 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  19. 69U.S. Bank Cash+ Visa Signature® CardUS BankWelcome offer: $200 cash back after $1,000 in 3 monthsYearly value$300 a yearIntro APR0% for 15 mothen 17.99–28.24%Purchase APR17.99–28.24%
  20. 70Visa Rewards, Visa, Buff One VisaElevations Credit UnionWelcome offer: 25,000 points after $1,000 in 3 monthsOnce per 24 monthsYearly value$300 a yearIntro APR0% for 12 mothen 11.74–21%Purchase APR11.74–21.00%
  21. 71Business Advantage Travel Rewards World Mastercard®Bank of AmericaWelcome offer: 50,000 online points after $5,000 in 3 monthsYearly value$270 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  22. 72Ollo Select Rewards MastercardMerrick BankYearly value$250 a yearIntro APR0% for 12 mothen 29.49–29.74%Purchase APR29.49–29.74%
  23. 73AFA-CWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  24. 74AFGE Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  25. 75AFGE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  26. 76AFM Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  27. 77AFM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  28. 78AFSCME Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  29. 79AFT+ Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  30. 80ALPA Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  31. 81ALPA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  32. 82APWU Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  33. 83APWU Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  34. 84ATU Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  35. 85ATU Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  36. 86BCTGM Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  37. 87BCTGM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  38. 88Citi Simplicity® Credit Card - Low Intro APR Credit CardCitiYearly value$0 a yearIntro APR0% for 18 mothen 17.74–28.49%Purchase APR17.74–28.49%
  39. 89Citi® Diamond Preferred® Credit CardCitiYearly value$0 a yearIntro APR0% for 12 mothen 16.74–27.49%Purchase APR16.74–27.49%
  40. 90Pennsylvania State Employees Cu Classic VisaPennsylvania State Employees CUYearly value$0 a yearIntro APR0% for 6 mothen 12.9%Purchase APR12.90%
  41. 91CSEA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  42. 92CWA Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  43. 93Discover it Cash Back Credit CardDiscoverWelcome offer: $200 cash back after $500 in 3 monthsYearly value$0 a yearIntro APR0% for 15 mothen 18.74–28.74%Purchase APR18.74–28.74%
  44. 94everBlue Cash Back Plus MastercardBangor Savings BankYearly value$0 a yearIntro APR0% for 6 mothen 0.17–0.25%Purchase APR0.17–0.25%
  45. 95GreenSelect Credit CardFNBOYearly value$0 a yearIntro APR0% for 18 mothen 15.24–25.24%Purchase APR15.24–25.24%
  46. 96IAFF Primary Access Credit CardCapital OneYearly value$0 a yearIntro APR0% for 12 mothen 26.99%Purchase APR26.99%
  47. 97IAFF Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  48. 98IAM Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  49. 99IATSE Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%
  50. 100IBB Rate Advantage Credit CardCapital OneYearly value$0 a yearIntro APR0% for 15 mothen 14.65–24.65%Purchase APR14.65–24.65%

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