0% intro APR credit cards
A 0% intro APR credit card from Wells Fargo allows you to use your low intro APR to help pay for unexpected expenses or big-ticket purchases. Enjoy low intro APR on purchases during the eligibility period.
0% intro APR credit cards
A 0% intro APR credit card from Wells Fargo allows you to use your low intro APR to help pay for unexpected expenses or big-ticket purchases. Enjoy low intro APR on purchases during the eligibility period.
Choose the credit card that fits your life
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of these offers.
APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Annual fee
Intro offer
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months2
Rewards
Unlimited 2% cash rewards on purchases1
Annual fee
APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49% or 28.49% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.
Intro offer
Earn 20,000 bonus points when you spend $1,000 in purchases within the first 3 months4
Rewards
Annual fee
APR
0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49% or 28.49% variable APR thereafter.
Compare
Explore our business credit card
Intro offer
$500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months5
Rewards
Unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn6
Annual fee
APR
0% intro APR for 12 months from account opening on purchases. 16.74% - 24.74% variable APR thereafter.
0% Intro APR Credit Cards FAQs
Credit cards with a 0% intro APR offer a period in which you don’t have to pay interest on eligible purchases. For example, if you have a 12-month 0% APR period, then you won’t have to pay any additional interest if you carry a balance for the first 12 billing cycles. However, you will have to make minimum payments. A 0% APR offer can apply to purchases, balance transfers, or both.
Your credit card’s regular purchase APR goes into effect when a 0% intro APR period ends. As of that billing cycle, any balance that is not paid off by the monthly due date will incur an additional interest charge.
The credit card’s terms will specify how the 0% intro APR applies to your account. This is why it’s important to check your credit card offers carefully, including 0% intro APR offers. In some cases, a 0% intro APR may apply to purchases and balance transfers, but some cards may provide only one of those offers. The 0% APR balance transfer offer may also only apply if you initiate the transfer within a certain time frame, such as in the first three months of opening the account.
To qualify for the 0% intro APR credit card, you typically need good to excellent credit. According to Experian, this would be a FICO® credit score in the range of 670 to 739.
No, the 0% intro APR should not affect your rewards-earning potential. A card’s APR and its rewards program are generally not linked.



