*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated Jan 16, 2018, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on product links. For more information, please see our Advertiser Disclosure
If having a low interest rate on your credit card is a priority, then you're probably looking for the longest 0% APR credit cards on the market. Interest free credit cards can be very useful tools for a number of financial situations, so we've complied a list of credit cards with the longest 0% intro APR.
When to use a 0% intro APR Credit Card
One situation when the longest 0% APR credit cards can be especially useful is if you need to finance a big purchase. Whether you're doing a home makeover or planning a big vacation, using a long 0% APR credit card is the easiest way to stretch out your payments over time without ever paying interest. As long as you pay off your balance in full before the intro period is up, you basically have interest free financing!
The other situation when the longest 0% credit card can be helpful is if you need to transfer your balance from a high interest credit card to pay off your debt. Trying to pay down a credit card with a high interest rate can make you feel like you're just spinning your wheels. But if you transfer your balance to one of the longest 0% APR credit cards, all of your payments during the intro period will go towards paying the principle of your balance. This can help you pay off your credit cards much quicker.
So without further ado, here is our list of the longest 0% intro APR credit cards:
Extra-long 0% intro APR on Purchases and Balance Transfers
Citi Simplicity® Card - No Late Fees Ever: With an intro APR of 0%* for 18 months on Purchases* and 0%* for 18 months on Balance Transfers*, this card has one of the longest 0% intro APRs of any credit card. That gives the cardholder well over a year to pay their balance off without paying a penny in interest. In addition to the incredible intro APR, the Citi Simplicity® has no annual fee, no late fees, and no penalty rate. The ongoing APR is 15.24% - 25.24%* (Variable) based on your creditworthiness, and there is a balance transfer fee of 3% of each balance transfer; $5 minimum.
Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer: Another great offer by Citibank, the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer comes with an intro APR of 0%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*. Just like the Citi Simplicity®, this card comes with no annual fee and it has a balance transfer fee of 3% of each balance transfer; $5 minimum. The Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer has a slightly lower ongoing interest rate with 14.24% - 24.24%* (Variable) based on your creditworthiness.
18 Months of 0% Intro APR on Balance Transfers
Citi® Double Cash Card – 18 month BT offer: This credit card has a very simple and lucrative rewards program that will earn you cash back twice on every purchase. Cardholders earn 1% cash back when you buy and 1% cash back as you pay for those purchases. This card keeps it simple with no reward restrictions, caps, rotating categories, or annual fee. This card also has an intro APR of 0%* for 18 months on Balance Transfers*, making it one of the best balance transfer credit cards on the market!
Discover it® - 18 Month Balance Transfer Offer: You've probably heard about the Discover it® card and the great cash back rewards and customer service that come with it. But now Discover is also offering a top balance transfer credit card to help consumers pay off their debt. This credit card has an intro APR of 0% for 18 Months on balance transfers to go along with 0% for 6 Months on purchases. There's a balance transfer fee of 3%, but you there is no annual fee, no foreign transaction fee, and you'll also earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% cash back on all other purchases..
15 Months of 0% intro APR on Purchases and Balance Transfers
BankAmericard® Credit Card: This simple credit card from Bank of America comes with a $0 annual fee and 0% Introductory APR on purchases for 15 billing cycles on purchases, as well as 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days. After the intro period is up, the ongoing APR is 13.24% - 23.24% Variable APR based on your credit worthiness. There's no rewards program associated with this card, so it is specifically designed to help consumers save money with balance transfers.
Chase Freedom®: The intro APR on the Chase Freedom® is the same as the Chase Slate®; cardholders receive 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months. The ongoing APR is 16.24% - 24.99% Variable. The Chase Freedom® has one of the best cash back rewards programs on the market and cardholders can earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. The Chase Freedom® has $0 annual fee, but the downside is that there's a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. This could be the perfect card if you want to finance a big purchase with 0% intro APR and earn cash back rewards at the same time!
Chase Freedom Unlimited® – Unlimited 1.5% cash back: If you're more interested in a rewards card that offers a flat cash back rate on every purchase, check out the Chase Freedom Unlimited® – Unlimited 1.5% cash back. Just like the other two chase cards mentioned here, the Chase Freedom Unlimited® – Unlimited 1.5% cash back comes with $0 annual fee and 0% Intro APR for 15 months on purchases and balance transfer. The ongoing APR is 16.24% - 24.99% Variable. This card offers an unlimited 1.5% cash back on every purchase. Cardholders can also earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening.
How to Pick a Low Interest Credit Card
Now that you know the longest no APR credit cards, it's time to pick which one is best for you. The first thing you need to consider is if you want 0% APR on purchases, balance transfers or both. Not every card has the same intro APR for both types of transactions, so always make sure you get a credit card that meets your needs. You should also ask you self if you want a credit card that comes with rewards on purchases.
If paying off another credit card with a balance transfer is your primary focus, you should ignore the rewards and go for the longest 0% APR credit card with the lowest fees. For no interest on purchases, it could be helpful to earn cash back on every transaction, so be sure to compare the cash back features of each card as well as the 0% APR.