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 671 Offer Ratings
Over the Past 60 Days!

(671) 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 727 Offer Ratings
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(727) 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.

Discover it® Cash Back

on Discover's secure site

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 416 Offer Ratings
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(416) 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 after that. But when it comes to cash-back, the Discover it® Cash Back card is truly in a league of its own. Earn 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. Plus, earn unlimited 1% 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 to $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.

Chase Freedom Unlimited®

on Chase's secure site

 

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3.7/5.0 from 214 Offer Ratings

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The Chase Freedom Unlimited® comes with generous on-going cash-back rewards. This card offers an earn 5% cash back on travel purchased through chase, 3% on dining and drugstores, and 1.5% on all other purchases. Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. As a welcome bonus to new cardholders, you can 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. Use that cash-back to pay down debt faster.

In addition to the generous rewards program, cardholders will enjoy 0% Intro APR for 15 months on purchases. After the intro period is up, the ongoing APR will be 14.99% - 23.74% Variable. Overall, the Chase Freedom Unlimited® card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.

Discover it® chrome

on Discover's secure site

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 112 Offer Ratings
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(112) Over the Past 60 Days!

The Discover it® chrome card has something for almost anyone. From jump, cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then an APR of 11.99% - 22.99% Variable applies – that’s over a year of not having to worry about charges building up. Plus, new cardholders can take advantage of 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. Just a dollar-for-dollar match.

But Discover it® chrome really pulls away from the pack when it comes to cash back: you can earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. To top it all off, rewards can be redeemed at any time and never expire. And did we mention that this all comes with no annual fee?

Citi Rewards+℠ Card

on Citibank's secure site

 

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4.2/5.0 from 166 Offer Ratings
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(166) 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.

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