Best 0 Apr Credit Cards this February 2026

The BankAmericard® Credit Card is particularly appealing for those focused on debt management, offering one of the longest intro APR periods available without an annual fee.

The BankAmericard® Credit Card is a great option for consolidating credit card debt, offering a 0% intro APR for 18-21 billing cycles on both purchases and balance transfers.

The Wells Fargo Reflect® Card is designed for those looking to pay down debt without accruing interest, featuring a generous 21-month 0% intro APR period.

Yes, it can be difficult to get approved for the Wells Fargo Reflect® Card as it requires at least good credit, typically a score of 700 or higher.

Yes, the Wells Fargo Reflect® Card is a credit card.

The Wells Fargo Reflect® Card does not earn rewards, while the Active Cash® Card offers 2% cash rewards on every purchase.

The Capital One VentureOne Rewards Credit Card is an excellent choice for travelers seeking to earn rewards without an annual fee, offering a solid bonus and flexible redemption options.

The average credit limit for members with the Capital One VentureOne Rewards Credit Card is $9,063, with $3,000 being the most common limit.

The Capital One VentureOne Rewards Credit Card allows cardholders to earn unlimited 1.25x miles on all purchases and 5x miles on hotels and rental cars booked via Capital One Travel.

The annual fee for the Capital One VentureOne Rewards Credit Card is $0.

New cardholders can earn a welcome bonus of 20,000 miles after spending $500 in the first 3 months.

The card offers a 0% intro APR for 15 months, then a variable APR of 18.49%-28.49%.

The Blue Cash Everyday® Card from American Express is ideal for everyday spending, offering high cash back rates on essential purchases without an annual fee.

The Blue Cash Everyday® Card from American Express is great for those who spend on gas and groceries, offering a $200 statement credit after spending $2,000 in the first 6 months and a $0 annual fee.

Your credit limit will vary based on your financial situation, but common limits for the Blue Cash Everyday® Card range from $3,000 to $10,000.

Approval for the Amex Blue Cash Everyday® Card typically requires good credit or better, along with other financial factors.

You can choose to pay off your balance in full each month or make minimum payments, with a variable APR of 19.49%-28.49% after a 0% intro APR for 15 months.

The Wells Fargo Active Cash® Card shines for its straightforward rewards structure, offering unlimited 2% cash back on all purchases with no annual fee.

Yes, the Wells Fargo Active Cash® Card is a cash back credit card that offers unlimited 2% cash back on all purchases.

The Wells Fargo Active Cash® Card is ideal for those with a credit score of 700 or higher, offering a $200 cash rewards bonus when you spend $500 in the first 3 months, no annual fee, and a 0% intro APR for 12 months.

The Citi Custom Cash® Card is perfect for those who want to maximize rewards in their top spending category without the hassle of rotating categories.

The Citi Custom Cash® Card offers a 0% intro APR for 15 months on new purchases and balance transfers, followed by a variable APR of 17.49%-27.49%. With no annual fee and a solid rewards structure, it's a strong choice for cash back.

The starting credit limit for the Citi Custom Cash Card is $500, but it can be higher based on your credit score, income, and payment history.

You can earn a $200 cash back welcome bonus after spending $1,500 in the first 6 months.

The card offers 5% cash back on your highest monthly spend category (up to $500) and 1% on all other purchases.

The Chase Freedom Flex® Card is a versatile cash back card that maximizes rewards across various categories, making it a great choice for those who want to earn cash back on everyday spending.

Yes, the Chase Freedom Flex® Card is a credit card issued by JPMorgan Chase Bank, N.A.

The annual fee for the Chase Freedom Flex® Card is $0.

The APR for the Chase Freedom Flex® Card is 0% intro APR for 15 months, then 18.24%-27.74% Variable APR.

The welcome bonus for the Chase Freedom Flex® Card is $200 cash back after spending $500 in the first 3 months.

The Chase Freedom Flex® Card offers 5% cash back on rotating categories (up to $1,500), 5% on travel through Chase, 3% on dining/drugstores, and 1% on everything else.