Pay 0 Interest Until 2019

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 Simplicity® Card - No Late Fees Ever

Imagine getting almost two years with 0% interest on purchases or a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. If you have major expenses on the horizon, like a wedding, a big trip, new furniture or appliances, this card delivers you an incredible 21 months to pay down that purchase with no interest. That’s right. Almost two years with no interest. For people who want to kick high-interest credit card debt to the curb once and for all, this is one of the best get-out-debt cards available. Transfer your high-interest debt to the Citi Simplicity® Card - No Late Fees Ever and for 21 months your payments will go directly to paying down your balance. That could save you hundreds of dollars in interest. This is the only card with no late fees, no penalty rate, and no annual fee… EVER! If you’re one to forget about a payment or two, this card is perfect for you. The Citi Simplicity® Card - No Late Fees Ever is best in class beating other 0% intro offers by six to nine months.

Discover it® - 18 Month Balance Transfer Offer

If you want to transfer high-interest debt, Discover designed this powerful card just for you. Get intro APR of 0% for 18 months on balance transfers. Rich cash-back rewards make this $0 annual fee card stand out among long 0% intro APR offers. Pay for your everyday essentials like gas and groceries with this card and get 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases. This card also comes with a valuable sign up bonus. Discover will automatically match all the cash back you earn at the end of your first year.* Use the cash-back rewards to pay down your balance faster. You will get a break on interest on new purchases with an intro APR of 0%* for 6 months. However, the real value is long 0% intro APR on balance transfers and generous cash-back on category spending.

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

This credit card comes with an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers*. With this 0% Intro APR you can pay off your balance interest free for the duration of the intro period. 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 to pay it off over time with no interest.

Wells Fargo Platinum Visa® Card

This credit card comes with an intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers. With this 0% Intro APR you can pay off your balance interest free for the duration of the intro period. This card also offers up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card. This card is perfect for people looking to get out of debt or making a large purchase who want to pay it off over time with no interest and no annual fee.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is one of the more unique cash back cards. It’s best for the average household. It provides a competitive cash back with 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. All with no annual fee! This card is great for anyone that spends a lot of money on gas and groceries. The cash back is received in the form of Reward Dollars that you can redeem for statement credits. The card also has an intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.

Capital One® VentureOne® Rewards Credit Card

This is a top no-annual fee travel credit card that also gives you 0% intro on purchases for 12 months. If you have a big trip or purchase on the horizon, this means you can pay it off over a year without having to worry about interest charges piling up. Earn travel rewards fast with this card in your wallet. Start out with a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel, while earning 1.25 miles per dollar on every purchase, every day. What’s best about this card? The miles you earn are good for any travel expense like airfare, hotel rooms, cruises and car rentals. Start earning unlimited miles on every purchase and enjoy 0% intro on purchases for 12 months now!

Discover it® Cashback Match™

Not all low interest cards offer rewards. This no-annual fee Discover card towers above the crowd with generous cash-back, plus long low interest periods on purchases and balance transfers. Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases. Do you have a big purchase coming up that you’d like to finance without interest piling up for over a year? This card offers an intro APR of 0% for 14 months on new purchases. Take advantage of the generous 5% cash-back on rotating categories that includes home improvement stores, wholesale clubs, Amazon.com and Target in 2017. This top tier card delivers a blockbuster sign up bonus that turns your cash-back into 10% on category spending in the first year. Discover will automatically match all the cash back you earn at the end of your first year.* If you have high-interest credit card balance that you’d like to transfer this card gives you an intro APR of 0% for 14 months. Save on interest and make money with this card!

Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer is prized by people who want to transfer high-interest debt. Citi offers you a lifeline with intro APR of 0%* for 18 months on balance transfers*. You’ll appreciate the steady stream of cash-back that comes with every purchase, every day. Earn 1% cash back when you buy and 1% cash back as you pay for those purchases. There’s no categories to track, no caps on cash back and $0* annual fee. Pile your cash rewards onto your balance and say goodbye to your debt faster. Stop new high-interest charges from racking up with a balance transfer on this no hassle card. Don’t worry if your credit isn’t perfect. This card is aimed at people with excellent, good credit.

Discover it® Miles

Attention travelers! Hop on board the Discover it® Miles and buckle your seat belt. This $0 annual fee card soars above other low interest offers with one of the most lucrative travel sign-up bonuses available. If you have a big purchase coming up, rely on long intro APR 0% for 14 months* when you pack this card in your wallet. That means you have over a year to pay off a balance with no interest payments piling up. Here’s how the Discover it® Miles helps you take flight. Discover will automatically match all the Miles you've earned at the end of your first year* For example, if you earn 50,000 miles, you will automatically get 100,000 miles. This first-class card offers Unlimited 1.5x Miles per dollar on all purchases, every day. With the sign-up bonus, that means you will earn 3 Miles for every $1 you spend during your first year, which is an incredible rate. Use this card for all your everyday expenses and you could earn a massive year-end bonus, while enjoying the flexibility of long 0% intro interest.

*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.

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Picture of Joey Seeley

By: | Nov 21, 2017

Can you use a Citi card in as many places as a Visa, Mastercard or Discover card?

1 Reply

By: CompareCards | Nov 21, 2017

Citibank is a credit card issuer, whereas Visa and Mastercard are credit processors. Most Citibank credit cards are processed by Mastercard and are accepted everywhere Mastercard is accepted!

Picture of Kenneth Kleiner

By: | Nov 19, 2017

The only cards I use are Costco Visa and Citi Double Cash card. Costco Visa for gas 4%, restaurants,travel 3% and Costco 2%. The Double Cash card 2% for groceries, medical, dental, utilities,car and home repairs. I basically pay everything with those cards and rarely use cash. I Generate over 800 dollars thru year on both and pay balance off every month. Works for me.

Picture of Luke Pham

By: | Oct 26, 2017

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Can you earn $150 cash bonus if you use it to pay DMV renewal fees?

1 Reply

By: CompareCards | Nov 8, 2017

Generally speaking, as long as the merchant (in this case, the DMV) will allow you to pay for your transaction with a credit card, it will be counted as a purchases and you should be eligible to earn rewards!

Picture of Harold Lasater

By: | Oct 26, 2017

I have the Discover It card. With no interest for 14 months I was able to buy what I needed and pay it back in just a few months payments instead of all at one time.

Picture of Carolyn Buckner

By: | Oct 20, 2017

Great credit card Comparison Charts

Picture of Lovette Streets

By: | Oct 12, 2017

This is a well-laid-out site and was very helpful in determining which card is best for me. Thanks.

Picture of Donna Mock Redd

By: | Sep 27, 2017

In trying to rebuild credit, what would be the best card to use? I have had issues in the past and have paid off all cards. However, I need to rebuild some positive credit. To date, the only thing on my report shows paid off delinquent accounts.

1 Reply

By: Cherrie Mckinstry | Oct 2, 2017

Continue to us your credit card but buy something for a couple dollars and just pay it. You don't have to buy an expensive item or just stuff to make monthly payments with. they check spending habits and your ability to avoid buying impulse items that will rack up your bill. Do you save any money in an account other than checking?

Picture of Phyllis Pruett

By: | Sep 23, 2017

I really enjoy using my Chase Visa Credit Card....I would highly recommend it over all the cards. Also, I have a Discover It card as well. I use it from time to time as well.....

Picture of Dee White-Rush

By: | Sep 3, 2017

Can you use any of these cards internationally without fees?

3 Replies

By: CompareCards | Sep 7, 2017

Check out our page for credit cards with no foreign transaction fees to see all the best options for traveling overseas!

By: CompareCards | Sep 7, 2017

Check out our page for credit cards with no foreign transaction fees to see all the best options for traveling overseas!

By: Felicia Moreno Mikolajczak | Oct 14, 2017

YES, I have my from back of America travel rewards, l can use it internationally without any fee, I love it.

Picture of Lisa Hardesty Mariani

By: | Aug 31, 2017

Is there a card that offers 0% interest with travel rewards?

1 Reply

By: CompareCards | Sep 1, 2017

Check out the Capital One® VentureOne® Rewards Credit Card!

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.