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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 21 months 0% Intro APR!
Compare these cards and discover which one is best for you.
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.
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.
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.
If you’re looking to take control of how you earn credit card rewards, the Bank of America® 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® Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Introductory APR on purchases for 12 billing cycles 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 12 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.
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: Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. 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.
But this card isn't just about rewards. You can save on interest with intro purchase APR 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.
The Wells Fargo Propel American Express® card has one of the most generous sign-up bonuses available on a $0 annual fee card - and that's before even getting into its outstanding rewards program. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months! But the rewards don't stop there. 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. And since Wells Fargo stretches the traditional definition of travel to include items like homestays, gas stations, parking and tolls, you'll almost always have an opportunity to earn points no matter where you are.
On top of all those rewards, you could save hundreds of dollars with the generous 0% intro interest period on purchases and balance transfers. Get an intro APR of 0% for 12 months from account opening on purchases and then 14.49% to 24.99% (Variable) APR once that intro period is over. And you can get an intro APR of 0% for 12 months from account opening on qualifying balance transfers and then 14.49% to 24.99% (Variable) APR after that. The earning power on this card matches and exceeds some top premium rewards cards, without the annual fee. 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.
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 of 0% for 18 months from account opening 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 intro APR of 0% 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.
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!