These cards are designed for people looking to pay off big purchases or transfer balances. Therefore, our evaluation focuses on the interest-free period, fee structure, and time to actually pay off the loan.
Our top-rated 0% APR card has the following features:
- Extended introductory APR period on purchase or balance transfer
- Low or no balance transfer fees
- Solid value that continues beyond the introduction period, including no annual fee
- Best features on the market, better than the competition
Here, you won’t penalize your card for not having long-term benefits. This category is all about interest savings, and our ratings reflect that.
We combine these factors with brand reputation and customer satisfaction ratings to ensure we provide the best maximum limit card recommendations. Our aim is to maintain a best-balanced list featuring the highest-scoring, highest-limit credit cards from reputable brands. The selection of the “best” category for this page is determined by the editor, and a single card may be recognized in more than one category.
Ordering within a list is influenced by advertiser compensation, such as featured placements at the top of a particular list, but our product recommendations are not influenced by advertisers. Learn more about how Motley Fool Money evaluates credit cards.