Pay 0 Interest Until 2021

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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. 

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

Citi® Double Cash Card – 18 month BT offer

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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

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3.7/5.0 from 395 Offer Ratings
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The Discover it® Cash Back is already a compelling choice with its 14 months of 0% intro APR on purchases and balance transfers right out of the gate, but when it comes to cash-back this 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.


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! Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months then, 11.99% - 22.99% Variable after that. Get all this for $0 annual fee.

Citi® Diamond Preferred® Card

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4.3/5.0 from 655 Offer Ratings
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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.

Chase Freedom Flex℠

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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.

Chase Freedom Unlimited®

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Chase Freedom Unlimited® comes with generous on-going cash-back rewards. Use that cash-back to pay down debt faster. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. After that, the purchase APR is 14.99% - 23.74% Variable. Without a doubt though the standout feature that sets this apart from some other low interest offers are the rich cash rewards. Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. This is an enticing offer, with a long 0% intro APR period. The cash-back that this card offers gives you an extra boost and can help you reach your financial goals faster.

Citi Rewards+℠ Card

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4.2/5.0 from 167 Offer Ratings
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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.

U.S. Bank Altitude® Go Visa Signature® Card

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The U.S. Bank Altitude® Go Visa Signature® Card is a great choice for nearly everyone – not only does it offer competitive intro APR on purchases and balance transfers, but it also has a very attractive sign-up bonus in addition to ongoing rewards. Right off the bat, this card can help you pay off big purchases with a strong intro APR offer: 0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) after that intro period. This card also makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) rate once the intro period is over.


Where this card really shines though is in its rewards. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Plus, all this comes with no annual fee.


Between an outstanding sign-up bonus, strong ongoing rewards and competitive intro APR period on purchases and balance transfers, the U.S. Bank Altitude® Go Visa Signature® Card is a great choice across the board.

Discover it® chrome

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3.7/5.0 from 115 Offer Ratings
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If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card 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. Rewards can be redeemed at any time and never expire.


Cardholders can choose to have their cash back rewards credited to their account, donate them to a charity of their choice, or to pay for items from select online retailers. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free FICO® Credit Score on monthly statements, online, and on Discover’s mobile app. Cardholders will also enjoy no fraud liability on unauthorized purchases.

American Express Cash Magnet® Card – $150 Welcome Offer

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on American Express's secure site

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Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 128 Offer Ratings
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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.

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, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.