Best 0% Intro APR Credit Cards: Top Picks for 2026

Best 0 APR credit cards: No interest up to 21 months

Best 0% APR Credit Cards of February 2026 (Compared)

Most people use credit cards to spend. Smart people use 0% cards to leverage. Here’s the truth, 0% cards aren’t free money, they’re temporary opportunities. If you can borrow at 0% interest and use that capital to cash flow an investment, you’re playing the game the right way. But if you hold that balance past the intro period, you’re stuck paying 25% interest. So have a strategy in place before you go for a 0% card. Use 0% cards with a strategy, they’re tools for builders. | Timelesslegacy

When not using credit cards and the balance shows “0”, is it better to keep it open or close it for your credit score?