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Longest 0% APR Credit Card Offers for July 2018

Longest 0% APR Credit Card Offers for July 2018

*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 Jul 02, 2018, 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.

If having a low interest rate on your credit card is a priority, then you’re probably looking for the longest 0% APR credit cards on the market. Interest free credit cards can be very useful tools for a number of financial situations, so we’ve complied a list of credit cards with the longest 0% intro APR.

Intro 0% for 15 Months and Rewards


The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express

 

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4.3/5.0 from 1,874 Offer Ratings
Over the Past 60 Days!

  • 0% for 15 Months, then 14.74%-25.74% Variable

  • $0 annual fee & $0 balance transfer fee.

  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases.

Highlights
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

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This card provides you with a good amount of time to pay off a transferred balance or any new purchases with intro 0% for 15 Months on balance transfers and intro 0% for 15 Months on purchases. Once the intro periods end, 14.74%-25.74% Variable APR applies. There is also a $0 balance transfer fee. That saves you the typical 3% fee other balance transfer cards charge. Another great feature of this card is the ability to earn rewards on new purchases at the same time you’re paying off debt during the intro periods. You can earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. *Terms and restrictions apply to all of the above. See the Rates & Fees for more detail.

When to use a 0% intro APR Credit Card

One situation when the longest 0% APR credit cards can be especially useful is if you need to finance a big purchase. Whether you’re doing a home makeover or planning a big vacation, using a long 0% APR credit card is the easiest way to stretch out your payments over time without ever paying interest. As long as you pay off your balance in full before the intro period is up, you basically have interest free financing!

The other situation when the longest 0% credit card can be helpful is if you need to transfer your balance from a high interest credit card to pay off your debt. Trying to pay down a credit card with a high interest rate can make you feel like you’re just spinning your wheels. But if you transfer your balance to one of the longest 0% APR credit cards, all of your payments during the intro period will go towards paying the principle of your balance. This can help you pay off your credit cards much quicker.

So without further ado, here is our list of the longest 0% intro APR credit cards:

Extra-long 0% intro APR on Purchases and Balance Transfers

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

 

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3.8/5.0 from 736 Offer Ratings
Over the Past 60 Days!

  • 0%* for 18 months on Purchases*

  • 0%* for 18 months on Balance Transfers*

  • 15.74% - 25.74%* (Variable)

Highlights
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER 
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness* 
  • 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

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Citi Simplicity® Card - No Late Fees Ever: With an intro APR of 0%* for 18 months on Purchases* and 0%* for 18 months on Balance Transfers*, this card has one of the longest 0% intro APRs of any credit card. That gives the cardholder well over a year to pay their balance off without paying a penny in interest. In addition to the incredible intro APR, the Citi Simplicity® Card - No Late Fees Ever has a $0* annual fee, no late fees, and no penalty rate. The ongoing APR is 15.74% - 25.74%* (Variable) based on your creditworthiness, and there is a balance transfer fee of 5% of each balance transfer; $5 minimum.

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

 

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Over the Past 60 Days!

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 14.74% - 24.74%* (Variable)

Highlights
  • 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 14.74% - 24.74%, based on your creditworthiness* 
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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 balance, are paid in full 
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater 
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee* 
  • Free access to FICO® Scores*

See additional details for Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

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Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer: Another great offer by Citibank, the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer comes with an intro APR of 0%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*. Just like the Citi Simplicity® Card - No Late Fees Ever, this card comes with a $0* annual fee and it has a balance transfer fee of 5% of each balance transfer; $5 minimum. The Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer has a slightly lower ongoing interest rate with 14.74% - 24.74%* (Variable) based on your creditworthiness.

18 Months of 0% Intro APR on Balance Transfers

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

 

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4.4/5.0 from 905 Offer Ratings
Over the Past 60 Days!

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

  • 0% for 18 months on Balance Transfers*

  • 15.24% - 25.24%* (Variable)

Highlights
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay 
  • Balance Transfers do not earn cash back 
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness* 
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

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Citi® Double Cash Card – 18 month BT offer: This credit card has a very simple and lucrative rewards program that will earn you cash back twice on every purchase. Cardholders Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. This card keeps it simple with no reward restrictions, caps, rotating categories, and a $0* annual fee. This card also has an intro APR of 0% for 18 months on Balance Transfers* (after 15.24% - 25.24%* (Variable) APR), making it one of the best balance transfer credit cards on the market!

Discover it® Balance Transfer

Discover it® Balance Transfer

 

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Over the Past 60 Days!

  • 0% for 18 Months*

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

  • 13.74% - 24.74% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically. 
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs 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. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

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Discover it® Balance Transfer: Discover has a top balance transfer credit card to help consumers pay off their debt. This credit card has an intro APR of 0% for 18 Months on balance transfers to go along with 0% for 6 Months on purchases. After the promo period, the APR goes to 13.74% - 24.74% Variable. There’s a balance transfer fee of 3%, but you there is a $0 annual fee, no foreign transaction fee, and you’ll also earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% unlimited cash back automatically on all other purchases.

15 Months of 0% intro APR on Purchases and Balance Transfers

BankAmericard® Credit Card

BankAmericard® Credit Card

 

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Over the Past 60 Days!

  • 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days

  • 0% Introductory APR on purchases for 15 billing cycles

  • 14.74% - 24.74% Variable APR

Highlights
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to 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

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BankAmericard® Credit Card: This simple credit card from Bank of America comes with a $0 annual fee and 0% Introductory APR on purchases for 15 billing cycles on purchases. After the intro period is up, the ongoing APR is 14.74% - 24.74% Variable APR based on your credit worthiness. There’s no rewards program associated with this card, so it is specifically designed to help consumers save money with balance transfers.

Chase Freedom®

Chase Freedom®

 

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Over the Past 60 Days!

  • 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

  • 16.74% - 25.49% Variable

Highlights
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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®

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Chase Freedom®: The intro APR on the Chase Freedom® is the same as the Chase Slate®*; cardholders receive 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months. The ongoing APR is 16.74% - 25.49% Variable. The Chase Freedom® has one of the best cash back rewards programs on the market and cardholders can earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. The Chase Freedom® has a $0 annual fee, but the downside is that there’s a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. This could be a good card if you want to finance a big purchase with 0% intro APR and earn cash back rewards at the same time! *This offer and/or promotion has since changed, expired, or is no longer available.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

 

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  • Unlimited 1.5% cash back on every purchase - it's automatic!

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

  • No minimum to redeem for cash back

Highlights
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey?
  • No annual fee

See additional details for Chase Freedom Unlimited®

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Chase Freedom Unlimited®: If you’re more interested in a rewards card that offers a flat cash back rate on every purchase, check out the Chase Freedom Unlimited®. Just like the other two chase cards mentioned here, the Chase Freedom Unlimited® comes with $0 annual fee and 0% Intro APR for 15 months on purchases and balance transfers. The ongoing APR is 16.74% - 25.49% Variable. This card offers an unlimited 1.5% cash back on every purchase. Cardholders can also earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening.

How to Pick a Low Interest Credit Card

Now that you know the longest no APR credit cards, it’s time to pick which one is best for you. The first thing you need to consider is if you want 0% APR on purchases, balance transfers or both. Not every card has the same intro APR for both types of transactions, so always make sure you get a credit card that meets your needs. You should also ask you self if you want a credit card that comes with rewards on purchases.

If paying off another credit card with a balance transfer is your primary focus, you should ignore the rewards and go for the longest 0% APR credit card with the lowest fees. For no interest on purchases, it could be helpful to earn cash back on every transaction, so be sure to compare the cash back features of each card as well as the 0% APR.


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