Pay 0 Interest Until 2019

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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 Simplicity® Card - No Late Fees Ever

This card comes with a staggering intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on 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 interest free for well over a year. This card makes saving simple.

BankAmericard® Credit Card

This is one of the absolute best low interest cards available. Regain control over your financial life with three key benefits. Pay no annual fee and receive 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days and 0% Intro APR for 15 billing cycles on new purchases as well. What really makes this card shine is that there's a $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). That means your payments can go entirely toward reducing your debt for over a year. Paying down your debt could improve your credit score. Track your progress and access your FICO® Score for free with this card. Unlike most cards, there is no penalty APR here. Put time on your side to trim or wipe out your debt, with no annual fee and no intro balance transfer fee.

Citi® Diamond Preferred® Card – $0 Intro BT Fee

This credit card comes with an intro APR of 0% for 15 Months on Purchases* and 0% for 15 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.

BankAmericard Travel Rewards® Credit Card

With the BankAmericard Travel Rewards® Credit Card, you'll earn unlimited 1.5 points per $1 spent on all purchases, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card comes with 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days. That can be a $200 statement credit towards travel purchases, and it’s one of the few travel rewards cards with no annual fee. This card also offers no foreign transaction fees, making it perfect for traveling abroad. If you’re a traveler looking for a simple no annual fee card that won’t restrict your travel to certain airlines, giving you the flexibility to travel on any airline, at any time, with no blackout dates, then this card is for you.

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.

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% at U.S. supermarkets on up to $6,000 in spend per year, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases 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 0% intro APR on purchases and balance transfers for 12 months, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.

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.

Barclaycard Ring™ Mastercard®

This card is a cost-effective debt crushing machine, with a rare combination of features we haven't seen anyplace else. With the Barclaycard Ring™ Mastercard® in your wallet, you get a long 0% for 15 months intro APR period for purchases and on balance transfers made within 45 days of account opening. There is no fee to transfer a balance – ever – and no annual fee. After 15-months, a relatively low 0% for 15 months rate will apply. If you have excellent credit, the powerful debt management features on this card will help keep your finances in tip top shape. This card stands out from the crowd

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.

Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card makes earning cash back easy. This card offers an intro APR of 0% for 12 months on purchases and 0% for 12 months balance transfers. You can earn unlimited 1.5% cash rewards on everyday net purchases and you can now earn a $200 cash bonus after spending $1,000 in the first 3 months. No category restrictions or sign ups and cash rewards don't expire as long as your account remains open. You’ll also get 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 Cash Wise Visa® Card. All with no annual fee! If you’re looking for a simple cash back card, with a solid sign-up bonus, that comes with an intro APR of 0% for 12 months, this is a good option for you.

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Picture of Paul Meyer

By: | Jun 17, 2017

I have the Citi 1% plus 1% card. As I pay off my credit card each month I basically have a zero fee card that returns 2% on everything. Can anyone beat that?

Picture of Peter Wilhelm Breede

By: | Jun 16, 2017

I have two cards and I don't pay any interest at all. Pay them off each by monthly and its over with. Done deal.

Picture of Lin Wrightson

By: | Jun 16, 2017

Looking forward to getting a credit card!

Picture of Ellen Flamm

By: | Jun 8, 2017

I have the Chase Preferred card. I also have a Discover card that I am well pleased with. I took the Chase card as I was traveling overseas and there was no fee.

Picture of Rita Giunta

By: | Jun 8, 2017

How can I find out credit limits before applying for any card?

1 Reply

By: CompareCards | Jun 4, 2017

Unfortunately there is no way to know for certain what your credit limit will be before you apply for a credit card. Credit Card issuers base the amount you are give as a credit line on the information in your application as well as your overall credit history, so there is know way they could indicate a credit limit before you submit your application.

Picture of Venetia Pruitt Waters

By: | Jun 3, 2017

Which card is the best---Chase Sapphire Preferred or Capital One Venture Rewards and why?

Picture of Tony Walker

By: | May 23, 2017

I have capital one and it seems to give me the best value on percentage.

Picture of Connie Lutz

By: | May 17, 2017

I am looking for the best 0% credit card with the longest time for switching our card ($15,000) to. I have excellent credit paying!

1 Reply

By: CompareCards | May 19, 2017

If you're looking longest possible intro APR check out the Citi Simplicity and the Citi Diamond Preferred. These two cards offer some of the longest intro APRs on the market!

Picture of K Trina Plunkett Robichaud

By: | May 15, 2017

If I transfer $10,000 and pay $200.00 for 15 months what happens to balance of $7,000. Is the interest rate then higher or based on credit score at the end of 15 months.

1 Reply

By: CompareCards | May 15, 2017

When you get approved for a credit card, you will be assigned an ongoing interest rate based on your credit worthiness at the time you were approved. After the intro APR period is up, that interest rate will be applied to your remaining balance on a monthly basis.

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.


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.