The 5 Best Credit Cards With No Annual Fee and 0% Introductory APR

Credit cards with a 0% introductory APR on purchases or balance transfers are a low-cost option for financing major purchases and offer an alternative to personal loans. But it’s essential to repay the balance on the card before the promotional interest rate expires. If not, you may wipe out any gains you’ve made. Which cards offer the best 0% introductory APR without charging an annual fee? Here are our favorites.

U.S. Bank Altitude® Connect Visa Signature® Card Review: Quality Earnings and an Attainable Bonus

The U.S. Bank Altitude® Connect Visa Signature® Card is a user-friendly option that comes with a generous welcome offer along with practical everyday spending categories. Travel purchases and fuel purchases — which include gas stations and electric vehicle charging — earn 4x points, and grocery purchases get 2x back. Is this the right card for you? Read our Altitude Connect review to find out more.

Capital One Venture X Card: The Ultimate Guide to Features, Benefits, and Rewards

The Capital One Venture X Rewards Credit Card is a premium travel credit card made to be accessible. Although it has an expensive annual fee, it still charges far less than the competition while managing to offer great benefits. These include a $300 annual travel credit, airport lounge access, free authorized users, rental car elite status, travel insurance, and a TSA PreCheck/Global Entry credit.

Iberia Visa Signature® Card Review: Big Savings Available, but No Free Checked Bag

The Iberia Visa Signature® Card offers decent benefits for its $95 annual fee. This includes an unlimited 10% discounted on all Iberia flights and the ability to earn a $1,000 travel credit. It also earns Avios, which can be transferred instantly to the Avios programs of British Airways, Aer Lingus, and Qatar Airways. However, there are some quirks to this card. Is it right for you? Read our detailed review to find out.

Citi AAdvantage® Executive Credit Card Review: Top-Flight Perks for AA Fans

If you fly American Airlines on a regular basis and you like to hit the Admirals Club® lounge pre-flight, there is only one credit card you need on your application list. The Citi® / AAdvantage® Executive World Elite Mastercard® provides a complimentary Admirals Club® Lounge membership for the primary cardholder, plus additional memberships for up to 10 authorized users, as well as numerous other perks. Learn more in our detailed review of this card.