Free plans only

9 Best Free 0% APR Credit Cards of 2026

By the Rankozo research desk · Updated November 10, 2026

9 of the 9 tools in our best 0% apr credit cards ranking offer a permanent free plan. Wells Fargo Reflect Card scores highest among them at 9.1 out of 10.

1. 01

   Wells Fargo Reflect Card

   People financing one large purchase who want the longest 0% period counted in months from account opening.

   $0 annual fee

   Full entry, No. 1 overall

   Paid from

   Free

   Score 9.1

2. 02

   U.S. Bank Shield Visa Card

   Buyers who want a 21 cycle 0% period and some cash back on prepaid travel.

   $0 annual fee

   Full entry, No. 2 overall

   Paid from

   Free

   Score 9.0

3. 03

   Chase Freedom Unlimited

   Buyers who want 15 months at 0% and a card that keeps earning cash back afterward.

   $0 annual fee

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.8

4. 04

   Citi Simplicity Card

   Buyers who want a long 0% period and protection from late fees if a payment slips.

   $0 annual fee

   Full entry, No. 4 overall

   Paid from

   Free

   Score 8.8

5. 05

   Capital One Quicksilver

   Buyers who want a flat 1.5% on everything, 15 months at 0% and no foreign transaction fees.

   $0 annual fee

   Full entry, No. 5 overall

   Paid from

   Free

   Score 8.5

6. 06

   Discover it Cash Back

   Buyers who want 15 months at 0% and the chance to double their first year of cash back.

   $0 annual fee

   Full entry, No. 6 overall

   Paid from

   Free

   Score 8.5

7. 07

   Chase Freedom Flex

   Buyers who want 15 months at 0% and will activate rotating 5% categories each quarter.

   $0 annual fee

   Full entry, No. 7 overall

   Paid from

   Free

   Score 8.4

8. 08

   Wells Fargo Active Cash Card

   Buyers who can pay off a purchase within a year and want the highest flat rewards rate afterward.

   $0 annual fee

   Full entry, No. 8 overall

   Paid from

   Free

   Score 8.2

9. 09

   Capital One VentureOne Rewards

   Buyers who want 15 months at 0% and would rather earn travel miles than cash back.

   $0 annual fee

   Full entry, No. 9 overall

   Paid from

   Free

   Score 8.1

Scores and prices come from our Best 0% APR Credit Cards ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com