Hustle Copilot

Best 0% APR Credit Cards of June 2026

Written by Hustle Copilot Editors, Reviewed by Editorial Team
Last updated on June 29, 2026
FACT CHECKEDEditorial Integrity

Buy now, pay later — interest-free. A long 0% intro APR period gives you breathing room to pay down debt or finance a big purchase without a cent in interest. We ranked the top 0% APR and balance transfer cards of 2026 — including offers up to 21 months — across both no-fee and low-fee options.

Best Cards
Cash Back
Travel
0% APR
Business
Build Credit

Longest 0% intro APR available

Why this card stands out

Up to 21 months of 0% intro APR on purchases and qualifying balance transfers — one of the longest interest-free runways available on any card.

H
2026 Best 0% APR Credit Card
Chase Freedom Unlimited card art

Chase Freedom Unlimited

4.8Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% travel via Chase Travel, 3% dining & drugstores, 1.5% everything else
Cashback
Intro offer
Match all cash back at end of year 1 (no cap)
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 months
Regular APR
19.99% – 28.74% variable
H
2026 Best 0% APR Credit Card
Our pick for: Long 0% intro APR
Chase Ink Business Unlimited card art

Chase Ink Business Unlimited

4.7Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
1.5% unlimited cash back on all purchases
Cashback
Intro offer
$750 cash back after $6,000 spend in 3 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 24.49% variable
Our pick for: Balance transfers
Chase Ink Business Cash card art

Chase Ink Business Cash

4.7Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% at office supply stores & on internet/cable/phone services (first $25k); 2% at gas stations & restaurants (first $25k); 1% everything else
Cashback
Intro offer
$750 cash back after $6,000 spend in 3 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 24.49% variable
Our pick for: Big purchase financing
Citi Double Cash card art

Citi Double Cash

4.7Hustle Score
Apply Now

on Citibank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% on everything (1% at purchase, 1% at payment)
Cashback
Intro offer
$200 after $1,500 spend in 6 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on balance transfers for 18 months
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Regular APR
18.24% – 28.24% variable
Our pick for: No-fee 0% APR

Wells Fargo Reflect

4.7Hustle Score
Apply Now

on Wells Fargo's secure site

Rates & Fees
Annual fee
$0
Rewards rate
None
Intro offer
None
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 21 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 21 months
Regular APR
17.24% – 28.99% variable
Our pick for: Debt payoff

Amex Blue Business Plus

4.6Hustle Score
Apply Now

on American Express's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2x Membership Rewards on first $50,000/yr, then 1x
Intro offer
15,000 points after $3,000 spend in 3 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 26.49% variable
Our pick for: Long 0% intro APR

Chase Freedom Flex

4.6Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% rotating quarterly categories (up to $1,500/qtr); 5% travel; 3% dining & drugstores
Cashback
Intro offer
$200 after $500 spend in 3 months + 5% on grocery (up to $12k Y1)
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99% – 28.74% variable
Our pick for: Balance transfers

Citi Custom Cash

4.6Hustle Score
Apply Now

on Citibank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% on your top-spend category each cycle (up to $500); 1% else
Cashback
Intro offer
$200 after $1,500 spend in 6 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 months
Regular APR
18.24% – 28.24% variable
Our pick for: Big purchase financing

Wells Fargo Active Cash

4.5Hustle Score
Apply Now

on Wells Fargo's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% unlimited cash back
Cashback
Intro offer
$200 after $500 spend in 3 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 12 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 12 months
Regular APR
19.74% – 29.74% variable
Our pick for: No-fee 0% APR

Citi Simplicity

4.5Hustle Score
Apply Now

on Citibank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
None
Intro offer
None
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on balance transfers for 21 months, 12 months on purchases
Balance transfer intro APR
0% intro APR on balance transfers for 21 months, 12 months on purchases
Regular APR
18.24% – 28.99% variable
Our pick for: Debt payoff

Amex Blue Business Cash

4.4Hustle Score
Apply Now

on American Express's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% cash back on first $50,000/yr, then 1%
Cashback
Intro offer
$250 after $3,000 in 3 months
Recommended credit score
Good (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 26.49% variable
Our pick for: Long 0% intro APR

U.S. Bank Visa Platinum

4.4Hustle Score
Apply Now

on U.S. Bank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
None
Intro offer
None
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 21 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 21 billing cycles
Regular APR
18.74% – 29.74% variable
Our pick for: Balance transfers

U.S. Bank Triple Cash Rewards Business

4.3Hustle Score
Apply Now

on U.S. Bank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% on gas, EV charging, office supply, cell phone, restaurants; 1% else
Cashback
Intro offer
$500 after $4,500 in 150 days + $100 annual software credit
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Regular APR
18.24% – 27.24% variable
Our pick for: Big purchase financing

Bank of America Customized Cash Rewards

4.3Hustle Score
Apply Now

on Bank of America's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% in chosen category (gas, online shopping, dining, etc.); 2% groceries & wholesale; 1% else (capped $2,500/qtr combined)
Cashback
Intro offer
$200 after $1,000 spend in 90 days
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Our pick for: No-fee 0% APR

Chase Slate Edge

4.2Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
None
Intro offer
None
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 18 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 18 months
Our pick for: Debt payoff

Bank of America Unlimited Cash Rewards

4.2Hustle Score
Apply Now

on Bank of America's secure site

Rates & Fees
Annual fee
$0
Rewards rate
1.5% unlimited
Cashback
Intro offer
$200 after $1,000 in 90 days
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles

How we picked these cards

Our Hustle Score (1–5) weighs annual fee vs. rewards, welcome bonus size, APR, credit-needed accessibility, and category-specific perks. We never accept payment for ratings — issuers can't pay to move up the list.

Advertiser Disclosure: Some links are from partners that compensate Hustle Copilot. Compensation may impact placement, never our ratings. Rates verified June 2026 — confirm current terms on the issuer's site.