These cards are designed for people looking to pay off a large purchase or transfer a balance — so our ratings emphasize interest-free periods, fee structures, and how much time you really get to pay things down.

Our highest-rated 0% APR cards have:

• Extended intro APR periods on purchases or balance transfers
• Low or waived balance transfer fees
• Solid ongoing value beyond the intro period, like no annual fee
• Top-of-market features that stand out from competitors

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you’re getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit credit cards from reputable brands. ‘Best for’ category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.