Pay 0 Interest Until 2022

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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. These offers range from 12 months all the way up to 20 months 0% Intro APR!

Compare these cards and discover which one is best for you. 

BankAmericard® credit card

on Bank of America's secure site

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 673 Offer Ratings
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(673) Over the Past 60 Days!

If you're looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 12.99% - 22.99% Variable APR after that intro period is up - that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 12.99% - 22.99% Variable APR after that.

It's hard to overstate just how powerful the combination of these two benefits is - the lengthy periods of 0% interest on both purchases and balance transfers mean that this card helps you regain control over your financial life and puts time on your side to pay down debt faster. And unlike some other cards, there is no penalty APR, so a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.

Citi® Diamond Preferred® Card

on Citibank's secure site

 

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4.2/5.0 from 2,732 Offer Ratings
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(2,732) Over the Past 60 Days!
For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi Diamond Preferred, from our partner Citi, card could be a great choice for you. This card offers an incredible intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi® Diamond Preferred® card also offers a multitude of cardholder perks. This card offers $0 liability on unauthorized charges and Citi® Identity Theft Solution which can give you peace of mind while you shop. Cardholders will also have free access to their FICO® Scores. Overall, the Citi Diamond Preferred credit card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and no annual fee.

Citi Custom Cash℠ Card

on Citibank's secure site

 

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3.6/5.0 from 38 Offer Ratings
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The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Custom Cash℠ Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get an intro APR of 0% intro APR for 15 months on purchases, then 13.99% – 23.99% (Variable) APR based on creditworthiness. The 0% intro APR for 15 months on balance transfers, then 13.99% – 23.99% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.

Discover it® Cash Back

on Discover's secure site

 

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3.7/5.0 from 339 Offer Ratings
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(339) Over the Past 60 Days!

Discover it® Cash Back sports a lengthy intro period of APR 0% for 14 months on purchases then 11.99% - 22.99% Variable APR after that. But when it comes to cash-back, the Discover it® Cash Back card is truly in a league of its own. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically

On top of that, cardholders enjoy Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600 - combined with the first-year sign-up bonus, new cardholders could take home an incredible 10% cash back on category spending. The $0 annual fee is just icing on the cake.

Capital One Quicksilver Cash Rewards Credit Card

on Capital One's secure site

 

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3.8/5.0 from 1,495 Offer Ratings
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The Capital One Quicksilver Cash Rewards Credit Card is a card that truly offers the best of both worlds, with a long period of 0% intro APR on purchases and solid cash back rewards. Take advantage of 0% intro on purchases for 15 months and then 15.49% - 25.49% (Variable) after that intro period is over. That gives you over a year to to pay down your balance with no interest charges weighing you down - perfect when you have a large expense coming up.

But the real standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash back on everything you buy, everywhere - an impressive 1.5% cash back on every purchase, every day. Plus, new cardholders can enjoy a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Even better, the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee, so you can put all the cash back you earn to work for you instead of paying down fees.

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure site

 

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4.9/5.0 from 306 Offer Ratings
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(306) Over the Past 60 Days!
The Citi Double Cash Credit Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments. Citibank does advertise its products on our website. With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn. Cardmembers will also enjoy an intro APR of 0% for 18 months on Balance Transfers. The on-going interest rate is 13.99% – 23.99% (Variable) based on your creditworthiness and you pay no annual fee.

Bank of America® Customized Cash Rewards credit card

on Bank of America's secure site

 

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4.7/5.0 from 219 Offer Ratings
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(219) Over the Past 60 Days!

If you’re looking to take control of how you earn credit card rewards, the Bank of America® Customized Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.

But this card isn’t just a winner when it comes to rewards. The Bank of America® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases and then 13.99% - 23.99% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 daysand then 13.99% - 23.99% Variable APR after that intro period is up. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees.

Citi Rewards+® Card

on Citibank's secure site

 

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4.2/5.0 from 79 Offer Ratings
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(79) Over the Past 60 Days!
If you buy gas and groceries, maximize your rewards with the Citi Rewards+ card, plus get a little extra on every purchase with the rounding up feature. This card also comes with generous intro APR on purchases and balance transfers. If you have a big purchase, take advantage of the long 0% intro APR period, and pay down your balance with no interest charges piling up. Get a better interest rate when you transfer your balance to this card with intro APR 0% for 15 months. Every penny of your payment will go towards paying down your principal during the intro period, which can help you get out of debt faster. The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relative low spending requirement to earn the sign-up bonus. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Redeem your points for gift cards for nearly 100 different popular brands. The combination of long 0% intro APR, sign-up bonus and healthy rewards rate on Gas Stations and Supermarkets make this a good choice if you buy gas and groceries and don’t want to pay an annual fee.

Chase Freedom Unlimited®

on Chase's secure site

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 145 Offer Ratings

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With this card, there’s no annual fee, and you’ll get $150 bonus cash after spending $500 in the first three months. There’s nothing better than free bonus cash, and on top of that, this card has 0% intro APR on purchases and balance transfers for 15 months. The ongoing APR is 14.99% - 23.74% Variable. For ongoing rewards, the Chase Freedom Unlimited card earns 1.5% cash back, and as the name implies, there’s no limit to how much you can earn. This card allows you to shop and travel with confidence because it comes with zero liability protection, chip-enabled security, purchase protection, price protection, and auto rental collision damage waiver. See terms and more details on the application page.

Blue Cash Everyday® Card from American Express

on American Express's secure site

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Terms Apply

 

Rated 4/5 stars by our editorial team

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4.0/5.0 from 124 Offer Ratings
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(124) Over the Past 60 Days!

If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 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. Terms apply.

But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 13.99%-23.99% Variable after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. Bottom line, this is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.

Chase Freedom Flex℠

on Chase's secure site

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 152 Offer Ratings
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(152) Over the Past 60 Days!

Anyone looking for a great card with a long intro APR period and a truly staggering array of cashback opportunities is going to find the Chase Freedom Flex℠ hard to ignore. Right off the bat, Chase Freedom Flex℠ offers 0% Intro APR on Purchases for 15 months and then 14.99% - 23.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up. Plus, this all comes with a strong sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And even better, Chase Freedom Flex℠ comes with $0 annual fee. This card looks compelling before even considering the cashback bonuses available.


And it’s in those cashback bonuses where the Chase Freedom Flex℠ really shines: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket.

Wells Fargo Platinum card

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 105 Offer Ratings
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(105) Over the Past 60 Days!

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 period of 0% intro APR for 18 months on qualifying balance transfers and then 16.49%-24.49% (Variable) APR after that. 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 period of 0% intro APR for 18 months from account opening on purchases with this card and then 16.49%-24.49% (Variable) APR after that intro period is up. Plus, 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 bill with your Wells Fargo Platinum card. From purchases to balance transfers, this card gives you all the tools you need to save on interest across the board.

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If you are looking for a longer 0% intro APR offer, you may want to learn more about the U.S. Bank Visa® Platinum Card, which offers 0% intro APR for 20 months on balance transfers. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. 

Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here. Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!