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Over the Past 60 Days!
Pay 0% Intro APR Until Nearly 2027
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Banks are 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.
Citi Strata℠ Card
Intro Balance Transfer APR: 0% intro APR for 15 months on Balance Transfers, and then 19.24% - 29.24% (Variable) APR.
Intro Purchase APR: 0% intro APR for 15 months on Purchases, and then 19.24% - 29.24% (Variable) APR.
Rewards: Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Extras: For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Annual Fee: $0
Bank of America® Travel Rewards credit card
Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, and then 18.24% - 28.24% Variable APR on balance transfers applies. Balance transfers may not be used to pay any account provided by Bank of America.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases, and then 18.24% - 28.24% Variable APR after the intro period.
Rewards: Earn 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Extras: This card comes with a sign-up bonus that’s both valuable and relatively easy to achieve: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Annual Fee: $0
Wells Fargo Reflect® Card
Intro APRs: If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect® Card has you covered with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by an ongoing 17.24%, 23.74%, or 28.99% Variable APR after that.
Rewards: This card offers a rewards program through My Wells Fargo Deals, where cardholders can earn cash back in the form of statement credit when using their Wells Fargo Reflect® Card on everyday purchases from dining to travel to entertainment and more.
Extras: If you’re a cardholder, you can get up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Annual Fee: $0.
Discover it® Cash Back
Intro Balance Transfer APR: 0% Intro APR for 15 months on balance transfers, then 18.24% - 27.24% Variable APR after that.
Intro Purchase APR: 0% Intro APR for 15 months on purchases, then 18.24% - 27.24% Variable APR applies.
Rewards: 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.
Extras: You can take advantage of Unlimited Cashback Match for all new cardmembers – 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.
Annual Fee: $0.
Blue Cash Everyday® Card from American Express
Intro Balance Transfer APR: 0% on balance transfers for 15 months, followed by 20.24%-29.24% Variable APR after that.
Intro Purchase APR: Intro APR of 0% on purchases for 15 months and then 20.24%-29.24% Variable APR after that intro period is up.
Rewards: This card is a cash back* machine. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Extras: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee: $0
*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Bank of America® Customized Cash Rewards credit card
Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, and then 18.24% - 28.24% Variable APR on balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases, and then 18.24% - 28.24% Variable APR after that.
Rewards: 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. Plus, you can switch up your 3% cash back category each month to maximize your cash back.
Extras: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee: $0.
Discover it® Miles
Intro Balance Transfer APR: 0% Intro APR for 15 months on balance transfers, and then 18.24% - 27.24% Variable APR.
Intro Purchase APR: 0% Intro APR for 15 months on purchases, and then 18.24% - 27.24% Variable APR.
Rewards: 1.5 Miles per dollar on all purchases.
Extras: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
Annual Fee: $0
Discover it® Chrome
Intro Balance Transfer APR: 0% Intro APR for 18 months on balance transfers. After the intro period, 18.24% - 27.24% Variable APR applies.
Intro Purchase APR: 0% Intro APR for 6 months on purchases, and then 18.24% - 27.24% Variable APR applies.
Rewards: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
Extras: You can take advantage of the Unlimited Cashback Match for all new cardmembers–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.
Annual Fee: $0
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A credit card with a lengthy period of 0% intro APR on purchases or balance transfers can mean substantially fewer costs in the long run if you're preparing for a big purchase on the horizon or if you're looking to transfer a balance from a high-interest card.
Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!
Methodology
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
