See our methodology below. Best 0% APR credit cards Best for low balance-transfer fee: Citi Simplicity® Card Best for purchases and balance transfers: Wells Fargo Reflect® Card Best for no ...

Note: It’s a little different if you make a $2,000 balance transfer to your card at a 0% transfer APR, because there could be a 3% to 5% transfer fee. In the above example, with a 3% fee ...