Pay 0 Interest Until 2019

*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.

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 2019. 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.

BankAmericard Travel Rewards® Credit Card

With the BankAmericard Travel Rewards® credit card, you'll earn 1.5 points for every dollar you spend, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card comes with 0% APR for 12 billing cycles and a 20,000-point sign up bonus when you spend $1,000 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 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 2019. 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. No annual fee, no intro balance transfer fee and receive 0% introductory APR on balances transfers and purchases for 15 billing cycles. That's right, with this card there is 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.

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

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.

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.

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.

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% U.S. gas stations & select U.S. dept stores, 1% 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.

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.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

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 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.

2 Replies

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.

By: Michael Williams | May 4, 2017

I agree with Kenneth, "what's in your pocket" as commercial says. I say it should be Capital One,

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!


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.