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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.
Reshape your financial picture with this industry-leading low-interest card from Citi - the Citi Simplicity® Card. 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 an intro APR of 0% for 21 months on Balance Transfers; after that, an APR of 14.74% - 24.74% (Variable) applies. Your payments will go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest.
It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 12 months on Purchases, then 14.74% - 24.74% (Variable) APR after that. 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.
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 incredibly long period of no interest charges for balance transfers - get an APR of 0% for 21 months on Balance Transfers, followed by 13.74% - 23.74% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% for 12 months on Purchases with 13.74% - 23.74% (Variable) APR after that, 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.
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 0% intro APR for 15 months on purchases, then 13.99% – 23.99% (Variable) APR based on creditworthiness. It's the same for balance transfers: 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.
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. And if you're a new cardholder, you can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
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.
It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash℠ Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account open.
But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash℠ Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 14.99%-24.99% (Variable) APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 14.99%-24.99% (Variable) APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
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, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% 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 days and 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.
Every so often a card comes along that really excites us: that’s most certainly the case with Wells Fargo’s newest debt-busting powerhouse, the Wells Fargo Reflect℠ Card. Why is this new card such a hit? It’s because it’s laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.
If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect℠ Card has you covered with 18 months of 0% intro APR on purchases followed by an ongoing 12.99%-24.99% Variable APR after that. But where this card really sets itself apart is by giving you the opportunity to extend that already top-shelf savings period by up to another 3 months if you make all your minimum monthly payments on-time; that has the potential for an outstanding 0% intro APR up to 21 months from account opening - almost two years! And the same offer applies to balance transfers as well – if you’re transferring a balance from a different high-interest credit card, you could get 0% intro APR up to 21 months from account opening on qualifying balance transfers if you make all your minimum monthly payments, with the same 12.99%-24.99% Variable APR after that. This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.
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: earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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, then 13.99% – 23.99% (Variable) APR after that - this is about as good as it gets for paying no interest on balance transfers on a card with no annual fee!
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 14.99% - 24.99% (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.
We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn unlimited 1.5% cash back on all purchases, with no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This combination of rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!
The Bank of America® Unlimited Cash Rewards credit card is also an exceptional choice for those looking to limit interest payments, with over a year of 0% intro APR on purchases and balance transfers. Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 13.99% - 23.99% Variable APR on purchases after that. It’s a little different on the balance transfer side: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 13.99% - 23.99% Variable APR on balance transfers applies. When making a balance transfer, you’ll end up paying a fairly standard balance transfer fee: either $10 or 3% of the amount of each transaction, whichever is greater. To sum it up, this card is an excellent $0 annual fee choice for anyone looking for unlimited cash back and not one to miss.
Discover it® Cash Back sports a lengthy intro period of APR 0% Intro APR 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. Cardholders will enjoy 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically.
On top of that, new cardholders can earn 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. And the $0 annual fee is just icing on the cake.
If you buy gas and groceries, maximize your rewards with the Citi Rewards+® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. But that's not all - 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, then 13.49% - 23.49% (Variable) APR after that. 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 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 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.
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: $200 back after you spend $2,000 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. Terms apply.
But this card isn't just about rewards. You can save on interest with intro purchase APR of 0% on purchases for 15 months then 13.99%-23.99% Variable APR 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 Discover it® Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. And that rewards program only gets better when you consider this card's astonishing sign-up feature: 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.
While this card has an incredibly competitive suite of rewards, where the Discover it® Balance Transfer credit card really sets itself apart from the competition comes in the form of the long periods of 0% intro APR on offer for both purchases and balance transfers. If you want to transfer debt from a high-interest credit card, you can enjoy an intro APR of 0% Intro APR for 18 months on balance transfers, 11.99% - 22.99% Variable APR after that. Even better, you can use all that extra interest-free time combined with the cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy added flexibility on purchases with an intro rate of 0% intro apr for 6 months, followed by 11.99% - 22.99% Variable APR. This card really is the complete package, and with a $0 annual fee there's never been a better time to apply.
The Chase Freedom Unlimited® card comes with generous on-going cash-back rewards. This card offers an enjoy 5% cash back on travel purchased through chase ultimate rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 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. And this card comes with an amazing offer for new cardholders. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. Use that cash-back to pay down debt faster.
In addition to the generous rewards program, cardholders will enjoy 0% Intro APR on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 14.99% - 23.74% Variable . And even better, if you’re looking to transfer a balance from a high-interest credit card, the Chase Freedom Unlimited® card offers 0% Intro APR on Balance Transfers for 15 months, with 14.99% - 23.74% Variable APR once that intro period is up. 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.
Anyone looking for a great card with a long intro APR period and a truly staggering array of cash back 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. And if you're looking to transfer a balance from a different high-interest credit card, Chase Freedom Flex℠ has just the thing: 0% Intro APR on Balance Transfers for 15 months, followed by an ongoing 14.99% - 23.74% Variable APR. 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: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. enjoy new 5% categories each quarter! plus, earn 5% cash back on travel purchased through chase ultimate rewards®, 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.
The Blue Cash Preferred® Card from American Express offers best-in-class cash-back on gas and groceries with no rotating categories. Cardholders start off with a generous welcome offer: $300 back after you spend $3,000 in purchases on your new Card within the first 6 months. This card offers also an extraordinary 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. If you spend $500 per month on groceries, over the course of a year, you'll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations and select U.S. department stores, plus 1% cash back on everything else. Even better, get flexibility for your budget with the 0% on purchases for 12 months intro APR on purchases then 13.99%-23.99% variable APR - if you have a big expense coming up, that gives you a year without having to worry about interest charges piling up.
These premium rewards come at a cost: a $0 introductory annual fee for the first year, then $95 annual fee after that. But, many people can earn substantial cash-back rewards well beyond that. This card is one of the cases where the benefits can significantly outweigh the annual fee. This welcome offer alone covers the cost of the annual fee for two years.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
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!