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 18 months 0% Intro APR!

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

Citi® Diamond Preferred® Card

on Citibank's secure site

 

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4.3/5.0 from 588 Offer Ratings
Over the Past 60 Days!

(588) 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® Card 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® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and no annual fee.

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure site

 

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4.5/5.0 from 838 Offer Ratings
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(838) 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.

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.

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 358 Offer Ratings
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(358) 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 earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. 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.

Citi Rewards+℠ Card

on Citibank's secure site

 

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4.2/5.0 from 255 Offer Ratings
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(255) 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.

American Express Cash Magnet® Card – $150 Welcome Offer

on American Express's secure site

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Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 142 Offer Ratings
Over the Past 60 Days!

(142) Over the Past 60 Days!

The standout feature of this 0% intro APR card is the generous Welcome Offer. Earn a $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 the lengthy 0% intro APR and unlimited 1.5% cash back on your purchases. This fully-loaded card comes with an intro APR of 0% on purchases for 15 months then 13.99%-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. 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. Get all this for $0 annual fee.

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Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!