Promo Float
Rates last updated · 2026-05-09
Currently on offer: Wells Fargo, Citi, Bank of America, U.S. Bank, and Chase all run 0% APR cards with 15–21 month windows and no annual fee. Verified 2026-05-09 — full list below.
What we calculate: highest after-tax yield · breakeven math · cross-card transfer chains.
What we hand you: a calendar alert for every promo end · a flag on every penalty-APR risk.
Cards
Add every card with a 0% promo or potential balance carry. Distinguish purchase APR from BT APR — the tool prevents the #1 mistake of charging direct purchases to a 0%-on-BT-only card.
Est. $25 · 1% + interest at active APR · verify on statement
Cash accounts
Where your liquid cash currently sits. Used for the Rate Check (best alternative) and Triage (payment paths).
Bills (optional)
One-time or recurring bills you need to route. Skip this section if you just want cash parking recommendations — it's only needed for payment-path analysis.
22%· derived
Available 0% APR cards
The top no-annual-fee 0% APR cards currently on the market — verified against issuer pages. Open one to start a 0% window of your own.
As of 2026-05-09
Wells Fargo Reflect
personalWells Fargo
Purchase promo
21 mo
BT promo
21 mo · 3% fee
5% after 120 days
Annual fee
None
Credit score
670+
Longest purchase promo on the market. BT fee is 3% if transferred within 120 days, then 5%. Requires on-time payments to keep the full 21 months.
View offer →U.S. Bank Shield Visa
personalU.S. Bank
Purchase promo
21 mo
BT promo
21 mo · 5% fee
Annual fee
None
Credit score
670+
Replaces the discontinued U.S. Bank Visa Platinum (closed to new applications March 2025). 21 billing cycles 0% on purchases + BT, flat 5% BT fee, $20/yr statement credit for 11 consecutive months of purchases.
View offer →BankAmericard
personalBank of America
Purchase promo
21 mo
BT promo
21 mo · 5% fee
Annual fee
None
Credit score
670+
21 billing cycles 0% on purchases + BT (transfers must complete within 60 days). Flat 5% BT fee. No penalty APR.
View offer →Verify terms on the issuer's page before applying — promo lengths, BT fees, and credit requirements change frequently. Applying for new credit affects your credit score; space applications at least 6 months apart. This page contains affiliate links — we may earn a commission if you open a card via these links, at no cost to you. Card rankings are by promo length, not commission.