Best Credit Cards for 0% APR 2026
Updated February 16, 2026·CardStack Data Team
Quick Answer
The best credit card for 0% apr in 2026 is the Platinum ($895/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.
Top 15 Cards Compared
| # | Card | Fee | Rate | Bonus | Network |
|---|---|---|---|---|---|
| #1 | Platinum AMERICAN_EXPRESS | $895 | 1.0X | Up to 175,000 points | visa |
| #2 | Platinum (Schwab) AMERICAN_EXPRESS | $895 | 1.0X | N/A | visa |
| #3 | Platinum (Morgan Stanley) AMERICAN_EXPRESS | $895 | 1.0X | N/A | visa |
| #4 | Sapphire Reserve CHASE | $795 | 1.0X | 125,000 points | visa |
| #5 | Sapphire Reserve Business CHASE | $795 | 1.0X | N/A | visa |
| #6 | United Club CHASE | $695 | 1.0X | N/A | visa |
| #7 | United Club Business CHASE | $695 | 1.0X | N/A | visa |
| #8 | Business Platinum AMERICAN_EXPRESS | $695 | 1.0X | N/A | visa |
| #9 | Marriott Bonvoy Brilliant AMERICAN_EXPRESS | $650 | 1.0X | N/A | visa |
| #10 | Delta SkyMiles Reserve AMERICAN_EXPRESS | $650 | 1.0X | N/A | visa |
| #11 | AAdvantage Executive CITI | $595 | 1.0X | N/A | visa |
| #12 | Strata Elite CITI | $595 | 1.0X | N/A | visa |
| #13 | Delta SkyMiles Reserve Business AMERICAN_EXPRESS | $550 | 1.0X | N/A | visa |
| #14 | Hilton Honors Aspire AMERICAN_EXPRESS | $550 | 1.0X | N/A | visa |
| #15 | Premium Rewards Elite BANK_OF_AMERICA | $550 | 1.0X | N/A | visa |
RelatedPlatinum vs Platinum (Schwab)·Platinum Review·Platinum (Schwab) Review·Platinum (Morgan Stanley) Review·Sapphire Reserve Review·Sapphire Reserve Business Review
Frequently Asked Questions
What is the best credit card for 0% apr in 2026?
Based on our analysis of 15 cards, the top pick for 0% apr is the Platinum with a $895/yr fee.
How did you choose the best 0% apr credit cards?
We analyze data from 35+ verified sources including official card terms, rewards rates, annual fees, and benefits. Rankings are data-driven with no affiliate influence.
Are there no-annual-fee options for 0% apr?
Yes, many 0% apr cards come with no annual fee. Check the fee column in our comparison table above to find $0/yr options.
How often are these rankings updated?
Our rankings are updated regularly as card terms change. Last verified: February 16, 2026.
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on February 16, 2026.
Full methodology: cardstack.co/methodology.