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

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.

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.

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!

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.

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 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 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.

*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 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!

Picture of Debbie Doney

By: | Aug 28, 2017

I am interested in a credit card that I could transfer other credit card balances so I could have one monthly payment instead of many monthly payments. What would you suggest?

1 Reply

By: CompareCards | Sep 1, 2017

This would be possible with most balance transfer credit cards. Check out our balance transfer credit cards page to see all of the best options!

Picture of Gary Saracene

By: | Aug 23, 2017

The best card is one that has a long interest free time period and has no fee on the balance being transferred.

3 Replies

By: Emily Knight | Aug 25, 2017

You will get no argument from me. That is ideal.

By: Carol R. Smith | Aug 28, 2017

Which one is that? Maybe I missed some information,

By: Tania Rastrow | Oct 16, 2017

check out BankAmeicard by Bank of America. No Annual fee. 0% Introductory APR for the first 15 months. If you do the Balance Transfer within the first 60 days of account opening, the BT fee is waived!!!

Picture of Joyce Dominick

By: | Aug 9, 2017

I am new to credit cards, was wondering why would you transfer balance of your credit card..I have had my card with Capital for about a year, with an APR of 25.49%. Could/should I transfer?

14 Replies

By: CompareCards | Aug 14, 2017

Balance transfers are useful if you have an outstanding balance on a card with a very high interest rate, and you want to pay off the balance without paying interest. Opening a new credit card with an intro 0% APR on balance transfers can help you pay off your debt interest free - check out some of our best balance transfer cards here. Depending on the size of your balance and your creditworthiness, this could be a great option for you.

By: Turtle Schultz | Aug 15, 2017

I would say yes with that high interest you are paying. Don't ever pay that high of interest on a credit card that are way too many credit cards out there to get with much lower interest rates.

By: Dottie Cales Caudill | Aug 17, 2017

You will most likely have to pay a fee to transfer but in the long run you will save money by doing the transfer.

By: April Heather Cunningham | Aug 19, 2017

Joyce that is a very high APR .... you should be able to find a lower APR on the transfer .... watch for how the APR changes when the 12 mths ends or if they offer 24 mths.

By: Marcia Clary | Aug 23, 2017

Hi Joyce, It would be to your benefit to transfer the balance on your Capital One card. You will save ton of money with a 0% card by not paying that high interest rate. Something to definitely look into.

By: Emily Knight | Aug 25, 2017

Look at your balance and the interest you have been paying. If you are paying more during the same time period (lets say 21 month period) that the 0% interest is offering then it makes sense to transfer.

By: Dash Dash | Aug 26, 2017

Yes, transfer balances that way you pay no interest for so many months, good idea

By: Turtle Schultz | Sep 1, 2017

Definitely, do the transfer. Why pay them almost 26% interest when you can transfer the balance you have to a card to where you pay NO interest for over a year or more. Do you know how much money that would save you???

By: WeedMee Weedmee | Sep 16, 2017

yes, take advantage of being able to save money by transferring your debt to another credit card that can offer a much lower interest rate. However do not close the other credit card as it may lower your credit score, it is okay to leave it open with a 0 balance as long as you want.

By: Renee I. Guerrero-Adams | Sep 25, 2017

Yes, you get to save on interest at least a year 25% is way to high!

By: Tamara Dean | Oct 4, 2017

joyce hi, ...yes please please transfer your balance, that is the highest apr. I have ever seen. get a card with 0 interest for 21 months if you can. that way you can pay your card down without that high rate for at least 21 months

By: Donnie Gibson | Oct 9, 2017

chase credit card is the way to go

By: Sue King | Oct 14, 2017

Yes, yes. Yes!!! Most offer rates of 14% when the 0% time expires.

By: Turtle Schultz | Oct 15, 2017

Definitely. Transfer to a zero balance interest rate for their promo period and think of all the money you will save.

Picture of Judy Callaghan

By: | Aug 8, 2017

Wondering if I can use the Well Fargo Visa for Dental work that I need done?

2 Replies

By: CompareCards | Aug 9, 2017

As long as your purchases don't exceed your credit limit, you will be able to use the card. Try to pay off the balance as quickly as possible though in order to avoid paying fees or interest.

By: Mary Ellen Wolf | Aug 17, 2017

Hi Judy - I've used by credit card to charge for dental work all the time. It's a great way to pay.

Picture of Tess Gunst Laucks

By: | Aug 8, 2017

can you have too many credit cards? I have excellant credit, but don't use credit cards very often. Should I destroy cards I no longer use or are expired?

1 Reply

By: CompareCards | Aug 9, 2017

By rule, there is no optimal number of credit cards to have - each person's circumstances are slightly different. If you are paying an annual fee for a credit card that you rarely use, it may be a good idea to cancel the card, or call the issuer and ask them to waive the fee. However, when canceling a card, keep in mind the change in credit score that may occur. Recent or new credit cards will have very little effect on your score if they are canceled, but older credit card accounts will temporarily lower your credit score when they're canceled. You can throw away expired cards, but make sure to cut the cards in half, just in case.

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.