Pay 0 Interest Until 2018

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Banks are now offering incredibly long periods of 0% Intro APR interest. If you’re carrying a balance on a high interest credit card or are looking to make a big purchase in the coming months, it’s time to switch cards and save money.

Our credit card experts have hand selected the below cards because of their long 0% intro APR interest offers. These offers range from 12 months 0% Intro APR all the way up to 21 months 0% Intro APR!

Compare these cards and discover which card is best for you.

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

This credit card comes with 0% intro APR for 21 months on purchases and balance transfers. With 0% Intro APR for 21 months you can pay off your balance all the way into 2018. You’ll also gain access to Citi Private Pass for exclusive presale tickets and a Personal Concierge Service available to assist you 24/7. You’ll also earn City Easy Deal points with each card purchase redeemable for discounts on online merchandise, travel tickets, gift cards, and more. This card is perfect for people looking to get out of debt or making a large purchase who want 21 months to pay it off.

Chase Slate®

This is one of the most popular cards for balance transfers. The Chase Slate is the only card that has the unique combination of a long 0% intro APR, $0 annual fee, and $0 intro fee on transfers made within 60 days of account opening. If you are paying interest on any balance, you can transfer it completely for free within the first 60 days you have this card. It’s available to those with good credit, so it’s okay if your credit score isn’t quite perfect. If you’re ready to put your credit card debt behind you, the Chase Slate has all the tools and perks you need to make it happen.

Citi® Double Cash Card – 18 month BT offer

This card is a great fit for just about everyone. It comes with cash back rewards and an enticing balance transfer offer. You will earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases, all with no annual fee. There is 0% intro APR on balance transfers for 18 months, so you can save money on interest with a balance transfer and earn rewards on purchases. There’s no limit to the amount of cash back you can earn, and this card is ideal for people who don’t want to keep up with any rotating categories or pay an annual fee to earn rewards.

BankAmericard® Credit Card

This card was specifically designed to help consumers save money on balance transfers. It comes with 18 billing cycles of 0% intro APR on balance transfers, as long as the transfers are made within the first 60 days of being approved for the card. With this card, you’ll gain access to Bank of America’s award winning online & mobile banking features. This allows you to bank where and when is most convenient for you. The card also offers $0 liability fraud protection, optional overdraft protection, and no annual fee. This is a great card for people looking to transfer a balance or for a reliable low interest credit card.

Citi Simplicity® Card - No Late Fees Ever

This card comes with a staggering 21-month period of 0% intro APR on purchases and balance transfers. This is the “no fee card.” There is no annual fee, no late fees, and you won’t get charged a penalty rate for missing a payment, EVER. With 0% Intro APR on balance transfers the Citi Simplicity allows you to pay down your balance well into 2018. This card makes saving simple.

Discover it® - 18 Month Balance Transfer Offer

This card is similar to the Discover it® Cashback Match™, but is specifically built for balance transfers. What makes this a popular credit card is the 0% intro APR for 6 months on purchases and 18 months on balance transfers it offers. It also has an excellent rewards program that offers 5% cash back in special categories each quarter and 1% on all other purchases made with the card. You can earn 5% cash back in categories for every day purchases like gas, groceries, dining, and at There’s no annual fee, and you’ll also enjoy the same sign up bonus you would from the Discover it® Cashback Match™ where Discover will match the cash back you earn in your first year. Overall, this card is great if you want to save money with a balance transfer, start to earn cash back on every purchase, and get your cash back matched at the end of the first year.

Discover it® Miles - Unlimited 1.5x Rewards Card

If you’re looking for travel rewards alongside 0% intro APR on purchases, you need to checkout the Discover it® Miles card. This card offers 0% intro APR on purchases for 14 months. This gives travelers the flexibility to pay off large purchases over a longer period of time, while earning miles on their purchases. This is a great travel credit card that also comes with no foreign transaction fees, no annual fee, and no late fee on your first late payment. When you use this card, you’ll earn 1.5 miles for every $1 spent. Add in the fact that Discover will match all the miles you’ve earned at the end of your first year, and you can see why it is one of the top travel cards. Did we mention that you can fly any airline, any time, with no black out dates?

Chase Freedom Unlimited℠

With this card, there’s no annual fee, and you’ll get $150 bonus cash after spending $500 in the first three months. There’s nothing better than free bonus cash, and on top of that, this card has 0% intro APR on purchases and balance transfers for 15 months. The ongoing APR is 15.74% - 24.49% Variable. For ongoing rewards, the Chase Freedom Unlimited card earns 1.5% cash back, and as the name implies, there’s no limit to how much you can earn. This card allows you to shop and travel with confidence because it comes with zero liability protection, chip-enabled security, purchase protection, price protection, and auto rental collision damage waiver. See terms and more details on the application page.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express Credit Card comes with 0% intro APR on purchases and balance transfers for 12 months. It has one of the best rewards programs geared towards gas and groceries. For a limited time, this card boasts an unbelievable 10% cash back at U.S. restaurants for the first 6 months, up to $200 back. There is an annual fee, but with 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), yes up to 6%, 3% back at U.S. gas stations & select U.S. dept. stores; and 1% back on other purchases, you could easily make enough in cash back rewards to pay for the annual fee and then some. It also comes with a sign up bonus that will help to off set that annual fee cost as well. This card is a must have for consumers who spend in categories such as gas and groceries because of the best in class reward rates.

Discover it® Cashback Match™

This cash rewards card comes with a unique sign up bonus unlike anything you’ve seen; At the end of your first year, Discover will match the cash back you’ve earned. This is the only credit card that will match your cash back at the end of the first year. So if you earned $200 in cash back from purchases in your first year, Discover will match it, making your total cash back for the year $400! The Discover it card earns 5% cash back in popular spending categories that change each quarter and 1% on all other purchases. The 5% cash back categories include things like gas, groceries, dining, and more. On top of the incredible rewards program, this card comes with 0% intro APR on purchases and balance transfers for 14 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment.

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Picture of Samantha Ewing

By: | Apr 21, 2017

I am looking for a credit card with 0% APR and also $0 balance transfer. Is there a CC out there with intro's that meet my needs?

1 Reply

By: CompareCards | Apr 25, 2017

Two credit cards that currently offer no intro balance transfer fee and 0% intro APR for 15 months and are the Chase Slate card and the Barclaycard Ring Mastercard.

Picture of Carlos Molina

By: | Apr 19, 2017

Citi AAdvantage is the best card!!!!

Picture of Kenneth D Schroeder

By: | Apr 16, 2017

I have the Capitol One Quicksilver card. It is one of the best I have ever used. 1.5% unlimited cash back no fee.

1 Reply

By: Steven J Mammolito | Apr 24, 2017

Citi double cash rewards. Effectively 2% on all purchases with no limits or fees. 1% as you buy and 1% as you pay your card.

Picture of Ingrid Hansen Ledesma

By: | Apr 16, 2017

I am retired and am on social security. I only have 1 bill which is my credit card. I would like to apply for the 21 month 0% APR. I always pay before payment is do and I pay more than is due. Would I be able to apply for this transfer even if I am retired and my only income is my retirement?

1 Reply

By: CompareCards | Apr 20, 2017

While income and employment status are an important factor for credit card approvals, the most important factor is your credit score. If you have always paid your bills on time then it is likely that you have a good or excellent credit score, but it's always a good idea to check your score before you apply. The Citi Simplicity and Citi Diamond Preferred each offer 0% intro APR for 21 months and generally require good to excellent credit for an approval.

Picture of Betty Taylor

By: | Apr 10, 2017

I love my chase freedom and is the only I use. It works much better than carrying cash.

Picture of Pete D Warren

By: | Mar 20, 2017

Scored a free round trip from Portland OR to Frankfurt Gm for free after just a year with the Sapphire Card. Good card!

Picture of Vince Skrzypek

By: | Mar 18, 2017

We're taking a big vacation and want to open a credit card that offers the best rewards. Including cash back, everyday rewards or even travel rewards. No annual fee also. Not worried about introductory offers since we will be paying off right away. There's so many different options I've seen. Anything stick out ahead of the rest?

2 Replies

By: CompareCards | Mar 20, 2017

The Discover It Cashback Match is a very popular offer right now because for new cardholders, Discover will double all the cash back you earn during your first year! This card comes with 5% cash back in special rotating categories and 1% on everything else, plus no annual fee. A few other popular no annual fee rewards cards include the Citi Double Cash, BankAmericard Travel Rewards, and the Chase Freedom Unlimited.

By: Laraine Grant | Apr 18, 2017

Citi Double Cash is the best! No restrictions on how or where you can use it. Also, gives more cash back than the others.

Picture of Sharon Hendrickson Dillsaver

By: | Mar 18, 2017

Want a card with bonus cash and at least 2% on everything.

1 Reply

By: Martin Markowitz | Mar 30, 2017

Get Citi double cash back. 1% when you make any purchase and 1% when you pay on the card. I think the best card out there.

Picture of Dean Semmer

By: | Mar 14, 2017

I would like a credit card that got me into the airport lounges without a fee. There was a time when you would be able to subscribe to the Admirals Club for $1000 for life! The airport lounges are nice but they aren't that great. I visited the American Express lounge in Las Vegas, that was elegant and very nice.

2 Replies

By: CompareCards | Mar 15, 2017

The Platinum Card from American Express offers access to the Global Lounge Collection which includes over 1,000 airport lounges around the world!

By: Shane Sanders | Apr 8, 2017

I have, both, the Amex Platinum, as well as the Chase Sapphire Reserve. Although these cards require excellent credit and require a hefty annual fee, both get me tons and tons of perks (including Lounge Access), and the annual fees are quickly offset with the savings. I love entering these little VIP Lounges and getting free food and alcohol!

Picture of Suzanne Ward

By: | Mar 12, 2017

So far this has been one of the best cards for me. And the customer service has been great people to work with.

1 Reply

By: Steve Bain | Apr 1, 2017

i concur, martin. i have five or six cards i use and my citi double cash is the one i use the most


These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.