Credit Cards with Financing & APR (2026)
Financing & APR perks across top credit cards, ranked by estimated value.
Top 3 Picks
All 37 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | The AARP® Essential Rewards Mastercard® | 0% Intro APR on Balance Transfers for 15 Months | $375/yr | No fee |
| 2 | Blue Business Cash Card from American Express | 0% Intro APR on Purchases | $200/yr | No fee |
| 3 | Bank of America Travel Rewards Credit Card for Students | 15-Month Intro 0% APR | $30/yr | No fee |
| 4 | My Best Buy® Visa® Card | Flexible Financing on Best Buy Purchases | Included | Fee not published |
| 5 | Business Green Rewards | Pay Over Time Feature | $25/yr | $95/yr |
| 6 | Apple Card | Apple Card Monthly Installments | $15/yr | No fee |
| 7 | Edward Jones® Everyday Solutions Flex Balance Mastercard® | $0 fee U.S. Bank ExtendPay® Plan, annually | $5/yr | No fee |
| 8 | Joss & Main Mastercard | No Interest Financing | $5/yr | No fee |
| 9 | The Key Rewards Visa | 12-month promotional financing | $5/yr | No fee |
| 10 | Pottery Barn Key Rewards Visa | 12-month promotional financing | $5/yr | No fee |
| 11 | U.S. Bank Business Altitude™ Connect Visa Signature® | U.S. Bank ExtendPay® Plan | $5/yr | $95/yr |
| 12 | West Elm Key Rewards Visa | 12-month promotional financing | $5/yr | No fee |
| 13 | Williams Sonoma Key Rewards Visa | 12-month promotional financing | $5/yr | No fee |
| 14 | BMO Platinum Rewards Mastercard® | BMO PaySmart Installment Plans | Included | No fee |
| 15 | BMO Premium Rewards Mastercard® | BMO PaySmart Installment Plans | Included | $95/yr |
| 16 | Universal Rewards Plus Visa Signature® | 0% APR Special Financing on Universal Purchases | Included | $99/yr |
| 17 | Universal Rewards Visa Signature® | 0% APR Special Financing on Universal Purchases | Included | No fee |
| 18 | Navy Federal Credit Union Platinum Card | Introductory 0.99% APR | Included | No fee |
| 19 | Wells Fargo Reflect Card | Industry-Leading 0% Intro APR | Included | No fee |
| 20 | Wells Fargo Autograph Visa Credit Card | 0% Intro APR on Purchases | $40/yr | No fee |
| 21 | Carnival Rewards™ Mastercard® | 0% Intro APR on Balance Transfers | $200/yr | No fee |
| 22 | Bank of America® Travel Rewards | Intro APR Promotion | $150/yr | No fee |
| 23 | Bank of America® Unlimited Cash Rewards for Students | 0% Intro APR for 15 Billing Cycles | $150/yr | No fee |
| 24 | BMO Business Platinum Rewards | 0% Introductory APR on Purchases | $100/yr | No fee |
| 25 | Susan G. Komen® Customized Cash Rewards | 0% Intro APR for 15 Billing Cycles | $100/yr | No fee |
| 26 | Amazon Prime Store Card | 0% APR Equal Monthly Payments | $50/yr | No fee |
| 27 | BankAmericard Credit Card | 0% Intro APR on Purchases and Balance Transfers | $40/yr | No fee |
| 28 | BankAmericard Credit Card for Students | 0% Intro APR on Purchases and Balance Transfers | $40/yr | No fee |
| 29 | Disney Premier Visa Card | Disney Vacation Financing — 0% APR for 6 Months | $30/yr | $49/yr |
| 30 | Blue Business Plus Credit Card from American Express | Expanded Buying Power | $25/yr | No fee |
| 31 | Bilt Obsidian Card | 10% Intro APR on Purchases | $20/yr | $95/yr |
| 32 | Menards® BIG Card | No-interest financing | $15/yr | No fee |
| 33 | Amazon Visa | Equal Monthly Payments | Included | No fee |
| 34 | Bilt Blue Card | 10% Intro APR for 12 Months | Included | No fee |
| 35 | Business Advantage Customized Cash Rewards | 0% Intro APR on Purchases | Included | No fee |
| 36 | Citi Double Cash Card | 0% Intro APR on Balance Transfers | Included | No fee |
| 37 | Wells Fargo Micro Center Insider® | 12 months special financing | Included | No fee |