Best 0% APR Credit Cards for February 2023 – CNET
February 1, 2023
Best 0% APR Credit Cards for February 2023 - CNET
Card Highlights
Intro OfferN/A
APR17.24% – 29.24% Variable APR
Intro Purchase APR0% intro APR for up to 21 months from account opening
Recommended Credit Excellent, Good
Reward RatesN/A
Annual Fee$0
Additional Details
Intro Balance Transfer APR0% intro APR for up to 21 months from account opening on qualifying balance transfers
Balance Transfer APR17.24% – 29.24% Variable APR
Balance Transfer Fee up to 5%; min: $5
Foreign Transaction Fees 3%
Penalty APR None
Our Take
The Wells Fargo Reflect® Card offers a unique proposition among 0% introductory APR cards. Not only can you take advantage of the 0% introductory APR on purchases and qualifying balance transfers for an entire 18 months from account opening, but you can earn a three month extension on that timeframe if you pay all of your minimum payments on time during the introductory period. This means you can use up to 21 months from account opening of 0% introductory APR on purchases and qualifying balance transfers (17.24% to 29.24% variable APR thereafter), which is unmatched by any other offer we could find. The trick is — as with all 0% intro APR cards — to be disciplined.
Check out our full review of the Wells Fargo Reflect® Card.
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