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Longest 0% APR Credit Card Offers for May 2019

Longest 0% APR Credit Card Offers for May 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.

This article was last updated May 01, 2019, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Are you looking to make an expensive purchase or tackle a high credit card balance, but lacking the funds to pay it off in full? An intro 0% APR credit card can help you out by providing up to 18 months of interest-free financing on new purchases, so you can carry a balance without being hit with high interest charges. There are also balance transfer cards that offer intro 0% APR periods as long as 21 months, which can help you pay off existing debt.

Carrying a balance month-to-month is never ideal, and the resulting interest charges may add hundreds of dollars to your debt and extend the amount of time it takes to pay it off. A study by CompareCards found interest rates averaging 16.91% for new credit cards and 24.97% for new store cards.

We’ve rounded up the longest 0% APR credit cards that have no annual fee and provide cardholders the chance to avoid high interest charges. Some of the cards below may even offer rewards and other noteworthy perks that can lead to increased savings.

Longest 0% APR credit cards

Before we review the longest intro 0% APR cards, we’ll review some situations where these cards are helpful, so you can decide if opening an intro 0% APR card is worthwhile. Otherwise, you can just skip to our card recommendations.

When to use an intro 0% APR credit card

The longest 0% APR credit cards can be especially useful when you need to finance a big purchase. Whether it’s remodeling a bathroom or fixing your car’s transmission, using a long 0% APR credit card is the easiest way to stretch out your payments over time without paying interest as long as you pay off your balance in full before the intro period ends.

Another situation when an intro 0% APR card can be helpful is if you need to transfer your balance from a high interest credit card. Trying to pay down a credit card with a high interest rate can feel like you’re not making progress. But if you transfer your balance to a card offering a long intro 0% APR period, all of your payments during the intro period will go towards paying the principal of your balance, instead of interest and principal. This can help you pay off your balances much quicker.

Longest 0% APR credit cards

21-month intro period

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 16.24% - 26.24%* (Variable)

Highlights
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info


The intro 0% APR offers: Intro 0%* for 12 months on purchases* and intro 0%* for 21 months on balance transfers*. After, the regular purchase APR is 16.24% - 26.24%* (Variable). The balance transfer fee is 5% of each balance transfer; $5 minimum.

Additional benefits: If you miss a payment, you won’t incur a fee or see your interest rate spike, since there are no late fees and no penalty APR. Also, the Citi® Price Rewind benefit lets you register eligible items online and Citi searches for a lower price within 60 days from purchase date. If a lower price is found, you may receive the difference between what you paid and the lower price, up to $200 per item and a maximum of $1,000 per year.

Read our review of the Citi Simplicity® Card - No Late Fees Ever.

18-month intro period

  • 0% for 18 months on balance transfers & 0% for 6 months on purchases*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 14.24% - 25.24% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO®
  • Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

More Info


The intro 0% APR offers: Intro 0% for 6 months on purchases and intro 0% for 18 months on balance transfers. After, the regular purchase APR is 14.24% - 25.24% Variable. There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

Additional benefits: Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically. And, Discover will automatically match all the cash back you earn at the end of your first year.*

Read our review of the Discover it® Balance Transfer.

Citi® Double Cash Card – 18 month BT offer
The intro 0% APR offers: Intro 0% for 18 months on balance transfers*. After, the regular purchase APR is 15.74% - 25.74%* (Variable). The balance transfer fee is 3% of each balance transfer; $5 minimum.

Additional benefits: Cardholders earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. In addition, Citi® Private Pass® provides exclusive access to entertainment events such as concerts and sporting events. You can also benefit from Citi® Price Rewind. There balance transfer fee is 3% of each balance transfer; $5 minimum..

The information related to the Citi® Double Cash Card – 18 month BT offer has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.This offer and/or promotion may have since changed, expired, or is no longer available.

Read our review of the Citi® Double Cash Card – 18 month BT offer.

  • 0% for 18 months on purchases and qualifying balance transfers*

  • Enjoy $0 Annual Fee

  • 13.74%-27.24% (Variable)*

Highlights
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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 Platinum Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee

See additional details for Wells Fargo Platinum Visa card

More Info


The intro 0% APR offers: Intro 0% for 18 months on purchases and intro 0% for 18 months on qualifying balance transfers. After, the regular purchase APR is 13.74%-27.24% (Variable), and the balance transfer APR is 13.74%-27.24% (Variable) . The balance transfer fee is 3% for 120 days, then 5%.

Additional benefits: If your cell phone is damaged or stolen and your monthly bill is paid with your card, you can receive up to $600 of protection per claim (subject to $25 deductible) and a maximum of $1,200 per 12-month period.

Read our review of the Wells Fargo Platinum Visa card.

  • 0% for 15 months

  • 0% for 15 months

  • No annual fee, no foreign transaction fee, and no penalty APR

Highlights
  • 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

See additional details for HSBC Gold Mastercard® credit card

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The intro 0% APR offers: Intro 0% for 15 months on purchase and intro 0% for 15 months on balance transfers. After, the regular purchase APR is 14.24%, 20.24% or 25.24% variable. The balance transfer fee is either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.

Additional benefits: There’s a late-fee waiver on your first late payment and no penalty APR. In addition, price protection may refund you the difference if you see an item advertised for less within 60 days of the original purchase date.

Read our review of the HSBC Gold Mastercard® credit card.

  • 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

  • 0% Introductory APR on purchases for 18 billing cycles

  • 15.24% - 25.24% Variable APR on purchases and balance transfers

Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® credit card

More Info


The intro 0% APR offers: 0% Introductory APR on purchases for 18 billing cycles and 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After, the regular purchase APR is 15.24% - 25.24% Variable APR. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

Additional benefits: This is a relatively no-frills card, so there really aren’t any noteworthy perks beyond no penalty APR — that means if you pay late, your interest rate won’t increase. However, you’ll still be charged a late fee and may risk your promotional 0% APR period ending early.

Read our review of the BankAmericard® credit card.

U.S. Bank Visa® Platinum Card

The intro 0% APR offers: 0%* intro for 18 billing cycles on purchases* and 0%* intro for 18 billing cycles on balance transfers*. After, the regular purchase APR is 14.74% - 25.74%* (Variable). There is a 3% balance transfer fee.

Additional benefits: Receive cell phone coverage for damage or theft up to $600 per claim, with a $25 deductible, for up to two claims (maximum $1,200) per 12-month period, when you pay your cell phone bill every month with your card.

The information related to U.S. Bank Visa® Platinum Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Read our review of the U.S. Bank Visa® Platinum Card.

15-month intro period

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 17.24% - 25.99% Variable

Highlights
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

See additional details for Chase Freedom®

More Info


The intro 0% APR offers: 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months. After, the regular purchase APR is 17.24% - 25.99% Variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Additional benefits: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. In addition, new cardholders earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. This card also has purchase and extended warranty protection and is contactless, so you can just tap to pay for purchases in-store.

Read our review of the Chase Freedom®.

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

  • 3% at U.S. supermarkets on up to $6,000 per year in purchases*

  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Highlights
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

More Info


The intro 0% APR offers: Intro 0% for 15 months on purchases and intro 0% for 15 months on balance transfers. After, the regular purchase APR is 15.24%-26.24% Variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Additional benefits: This card offers a rewards program where you earn 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. Other benefits include extended warranty protection, car rental loss and damage insurance and exclusive access to ticket presales for entertainment events. Terms apply.

Read our review of the Blue Cash Everyday® Card from American Express.

  • Unlimited 1.5% Cash Back on every purchase, every day

  • 0% for 15 Months on Purchases and Balance Transfers

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 18.24%-28.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 18.24%-28.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

More Info


The intro 0% APR offers: 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months. After, the regular purchase APR is 18.24% - 28.24% (Variable). There is a 3% balance transfer fee.

Additional benefits: Cardholders earn 1.5% cash back on every purchase, every day. This card offers a variety of travel perks, such as roadside assistance and travel accident insurance, as well as exclusive access to entertainment, sporting and dining experiences.

Read our review of the Capital One® Quicksilver® Cash Rewards Credit Card.

The Amex EveryDay® Credit Card from American Express

The intro 0% APR offers: Intro 0% for 15 months on purchases and intro 0% for 15 months on balance transfers. After, the regular purchase APR is 15.24% - 26.24% Variable. There is a $0 balance transfer fee.

Additional benefits: This card stands out with a $0 balance transfer fee. This saves you the typical 3% fee most balance transfer cards charge per transfer. In addition, new purchases earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. Plus, this card has a wide variety of Amex perks such as free two-day shipping at select merchants with ShopRunner, purchase protection and travel accident insurance.

The information related to The Amex EveryDay® Credit Card from American Express has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Read our review of The Amex EveryDay® Credit Card from American Express.

Chase Slate®

The intro 0% APR offers: 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months. After, the regular purchase APR is 16.49% - 25.24% Variable. The balance transfer fee is Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.

Additional benefits: Similar to The Amex EveryDay® Credit Card from American Express, there’s an Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater. This card may lack rewards, but it has several benefits that can save you money. Chase Offers provides exclusive discounts at participating merchants, such as restaurants and clothing stores. Additionally, cardmembers can purchase Chase Preferred Seating tickets and enjoy special perks at select events and partner venues, such as merchandise and concession discounts.

The information related to Chase Slate® has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Bottom line

A card offering a long intro 0% APR period can be a great asset for getting out of debt or financing new purchases. When used responsibly, these cards allow you to pay off lingering balances without incurring any interest. Just beware that failing to pay your minimum due or paying late may jeopardize your intro offer. As a safety, set up autopay for at least the minimum due so you avoid any mishaps.


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