Rated 4.5/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
3.8/5.0 from 783 Offer Ratings
Over the Past 60 Days!
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 21 months 0% Intro APR!
Compare these cards and discover which one is best for you.
The standout feature of this 0% intro APR card is the generous Welcome Offer. $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 lengthy 0% intro APR on purchases and a balance transfer while scooping up unlimited 1.5% cash back on your purchases with the American Express Cash Magnet® Card – $150 Welcome Offer. This fully loaded card comes with intro APR 0% on purchases for 15 months then 12.99%-23.99% variable. Transfer your balance and whittle away at debt faster with intro APR 0% on balance transfers for 15 months then 12.99%-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.
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% 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 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.
Take control of your finances with the Wells Fargo Platinum card with one of the longest 0% intro APR offers on both purchases and balance transfers. This $0 annual fee card gives you long intro APR 0% for 18 months on qualifying balance transfers on balances transfers. If you only make the minimum payments on high-interest credit card debt, it could take years to pay it off. Using a card like this means every cent you pay during the intro period will go toward paying down your balance. If you are looking to make a big purchase, you will also get an extended intro APR 0% for 18 months on purchases with this card. Wells Fargo is one of the few card issuers to offer generous cell phone protection. This card offers up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card. This card gives you all the tools you need to save on interest.
If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card is a perfect match. Get a generous Welcome Offer: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Your rewards could add up fast when you earn 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. Save on interest with intro purchase APR 0% on purchases for 15 months then 12.99%-23.99% Variable. Transfer high interest debt to this card with intro APR 0% on balance transfers for 15 months then 12.99%-23.99% Variable. This is a valuable $0 annual fee cash back card that rewards you for things you buy every day.
This card shines from the start with a solid cash sign up bonuses and a relatively low spend requirement to get it. You can earn earn unlimited 1.5% cash rewards on purchases and take home a $150 cash bonus after spending $500 in the first 3 months. This card offers generous intro APR of 0% for 15 months on purchases then 13.99%-25.99% (Variable). You’ll also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card. The Wells Fargo card cash rewards won't expire as long as your account remains open and never worry about rotating categories when you earn rewards on all purchases with this card in your wallet. Get all this for $0 annual fee! If you’re looking for an easy to use cash back card, a big sign-up bonus and long 0% intro APR on purchases, this is a great option for you.
If you are hungry for rich travel and dining rewards with $0 annual fee, this card is worthy of your attention. Get one of the most generous sign-up bonuses available on a $0 annual fee card. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. You could save hundreds in dollars on interest with the generous 0% intro interest on purchases and balance transfers. Get intro APR 0% for 12 months on purchases and intro APR 0% for 12 months on qualifying balance transfers on balance transfers. The earning power on this card matches and exceeds some top premium rewards cards, without the annual fee. Wells Fargo stretches the traditional definition of travel to include items like homestays, gas stations, parking, tolls. If you are hungry for triple rewards points on one of the broadest definitions of dining, travel and transit and popular streaming services, this appealing offer is hard to pass up.
There’s a ton of value tucked inside this under the radar card which offers long 0% intro APR on purchases and even longer on balance transfers. What makes this card unique is that you don’t need excellent credit to qualify. Plus, it comes with a valuable sign-up bonus and rewards that aren’t always offered on cards aimed at those with Excellent/Very Good credit. Take advantage of intro APR 0% for 12 months to finance purchases then 14.40% - 24.40% Variable APR. Stop high interest charges with a balance transfer intro APR 0% for 18 months then 14.40% - 24.40% Variable APR. You could save hundreds of dollars on interest payments when you transfer a balance transfer to this $0 annual fee card. Start off with a generous sign-up bonus $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening. Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive. Unlike other cards with rotating quarterly 5x categories, you don’t have to register each quarter with this card. Simply register for an ABOCRewards account and you’ll automatically earn the 5x rewards.
Looking to transfer your balance? Transfer your high interest debt to Citi Simplicity® Card - No Late Fees Ever with an intro APR of 0% for 21 months on Balance Transfers. Plus, you will get generous intro APR 0% for 12 months on Purchases. Once the introductory periods end, a 14.74% - 24.74% (Variable) APR applies.
Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!
*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.