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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 hand selected the cards below because of their long 0% intro APR interest offers. There are credit cards that offer 0% interest until nearly 2022. That’s almost two years of no monthly interest charges piling up.
Compare these cards and discover which one is best for you.
Take control of your finances with the Wells Fargo Platinum card with one of the longest 0% intro APR offers on both purchases and balance transfers. This $0 annual fee card gives you long intro APR 0% for 18 months on qualifying balance transfers on balances transfers. If you only make the minimum payments on high-interest credit card debt, it could take years to pay it off. Using a card like this means every cent you pay during the intro period will go toward paying down your balance. If you are looking to make a big purchase, you will also get an extended intro APR 0% for 18 months on purchases with this card. Wells Fargo is one of the few card issuers to offer generous cell phone protection. This card 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 card. This card gives you all the tools you need to save on interest.
If you'd like to earn unlimited cash back on everything you buy with $0 annual fee, take a close look at this card.
Start with a generous Welcome Offer: $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Take advantage of lengthy 0% intro APR on purchases and balance transfer while earning unlimited 1.5% cash back on your purchases. This fully loaded card comes with intro APR 0% on purchases for 15 months then 12.99%-23.99% Variable. Transfer your balance and whittle away at debt faster with intro APR 0% on balance transfers for 15 months then 12.99%-23.99% Variable. Every penny of your payment will trim your balance during the 0% intro interest period, with no monthly interest charges piling up. This card makes budgeting easy. The innovative repayment feature “Pay It Plan It™” allows you to pay for certain purchases of $100 or more in installments. You’ll appreciate the legendary American Express customer service and cardholder benefits which include extended warranty, car rental loss and damage insurance and purchase protection.
This balance transfer card comes with a generous on-going cash-back rewards. Use that cash-back to pay down debt faster. The Chase Freedom Unlimited® offers a long 0% Intro APR for 15 months on balance transfers. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. The standout features that sets this apart from some other low interest offers are the rich cash rewards with this 1.5% cash back offer. The balance transfer fee is 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5, then either $5 or 5% of the amount of each transfer, whichever is greater.. This is an enticing balance transfer offer, with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goal faster.
True to its name, this card offers freedom from monthly interest charges for well over a year, with a surprising cash-back twist. Rely on Chase Freedom® for 0% intro apr on purchases for 15 months. Break free from high-interest debt with 0% intro apr on balance transfers for 15 months. Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. It gets even better. 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. This card offers a winning combination of one of the highest rates of cash-back available on rotating categories, extended 0% intro interest and $0 annual fee.
If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card is a perfect match. Get a generous Welcome Offer: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Your rewards could add up fast when 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. Save on interest with intro purchase APR 0% on purchases for 15 months then 12.99%-23.99% Variable. Transfer high interest debt to this card with intro APR
0% on balance transfers for 15 months then
12.99%-23.99% Variable. This is a valuable $0 annual fee cash back card that rewards you for things you buy every day.
If you are hungry for rich travel and dining rewards with $0 annual fee, this card is worthy of your attention. Get one of the most generous sign-up bonuses available on a $0 annual fee card. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value! Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. You could save hundreds in dollars on interest with the generous 0% intro interest on purchases and balance transfers. Get intro APR 0% for 12 months on purchases and intro APR 0% for 12 months on qualifying balance transfers on balance transfers. The earning power on this card matches and exceeds some top premium rewards cards, without the annual fee. Wells Fargo stretches the traditional definition of travel to include items like homestays, gas stations, parking, tolls. If you are hungry for triple rewards points on one of the broadest definitions of dining, travel and transit and popular streaming services, this appealing offer is hard to pass up.
This card shines from the start with a solid cash sign up bonus and a relatively low spend requirement to get it. You can earn earn unlimited 1.5% cash rewards on purchases and take home a $150 cash bonus after spending $500 in the first 3 months. This card offers generous intro APR of 0% for 15 months on purchases then 13.99%-25.99% (Variable). 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. The Wells Fargo card cash rewards won't expire as long as your account remains open and never worry about rotating categories when you earn rewards on all purchases with this card in your wallet. Get all this for $0 annual fee! If you’re looking for an easy to use cash back card, a big sign-up bonus and long 0% intro APR on purchases, this is a great option for you.
There’s a ton of value tucked inside this under the radar card which offers long 0% intro APR on purchases and even longer on balance transfers. What makes this card unique is that you don’t need excellent credit to qualify. Plus, it comes with a valuable sign-up bonus and rewards that aren’t always offered on cards aimed at those with Excellent/Good credit. Take advantage of intro APR 0% for 12 months to finance purchases then 14.40% - 24.40% Variable APR. Stop high interest charges with a balance transfer intro APR 0% for 18 months then 14.40% - 24.40% Variable APR. You could save hundreds of dollars on interest payments when you transfer a balance transfer to this $0 annual fee card. Start off with a generous sign-up bonus $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening. Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive. Unlike other cards with rotating quarterly 5x categories, you don’t have to register each quarter with this card. Simply register for an ABOCRewards account and you’ll automatically earn the 5x rewards.
Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with intro APR 0% for 21 months on Balance Transfers. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR 0% for 12 months on Purchases. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.
Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!