Financial institutions have released details on several credit cards featuring introductory 0% annual percentage rate offers for January 2026. The list includes multiple cards, each presented with specific designations.
The Bank of America Customized Cash Rewards Credit Card is noted. It carries no annual fee. A welcome offer provides a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening. The introductory APR is 0% for the first 15 billing cycles for purchases and for any balance transfers made within the first 60 days. After this period, a variable APR of 17.49% to 27.49% applies. Cardholders can earn 3% cash back plus a 3% first-year bonus in a category of their choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. Benefits include the potential for Bank of America Preferred Rewards members to earn up to 75% more cash back.
The Blue Cash Everyday Card from American Express is also listed. It has no annual fee. A welcome offer provides a $200 statement credit after spending $2,000 within the first six months. It offers a 0% introductory APR on purchases and balance transfers for 15 months, after which a variable APR of 19.49% to 28.49% applies. The card earns 3% cash back on U.S. online retail purchases, up to $6,000 per year.
The Chase Freedom Unlimited card is featured. It has no annual fee. A welcome offer provides a $200 bonus after spending $500 on purchases in the first three months from account opening. It offers a 0% introductory APR on purchases and balance transfers for 15 months, after which a variable APR of 18.24% to 27.74% applies. The card earns a minimum of 1.5% cash back on all purchases. Rewards can be redeemed for cash, statement credits, or travel through Chase Travel.
The Discover it Cash Back card is included. It has no annual fee. Its welcome offer automatically matches all cash back earned at the end of the first year. It offers a 0% introductory APR on purchases and balance transfers for the first 15 months, after which a variable APR of 17.74% to 26.74% applies. The card earns 5% cash back in rotating quarterly categories and 1% on all other purchases.
The U.S. Bank Shield Visa Card is noted for its introductory period length. It has no annual fee and no welcome offer. It offers a 0% introductory APR on purchases and eligible balance transfers for the first 24 months, after which a standard variable APR of 17.24% to 28.24% applies. It offers limited ongoing benefits, including an annual $20 statement credit for accounts in good standing.
The U.S. Bank Altitude Connect Visa Signature Card is listed for travel. It has no annual fee. A welcome offer provides 20,000 points after spending $1,000 in the first 90 days. It offers a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, after which a variable APR of 17.49% to 27.49% applies. The card earns 4x points on travel and includes benefits like Priority Pass Select airport lounge access.
The published information outlines scenarios for considering a 0% APR card, such as having existing debt, planning a large purchase, or covering an emergency expense. It advises that cards still require repayment and responsible use.
Factors to consider when choosing a card are mentioned, including the length of the 0% APR offer, balance transfer availability, annual fees, rewards programs, credit requirements, and the ongoing APR after the intro period ends. A distinction is made between standard 0% APR offers and deferred interest plans offered by some retail cards.