Pay 0 Interest Until 2021

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. 

American Express Cash Magnet® Card – $150 Welcome Offer

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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.

Discover it® chrome

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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% 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.

Wells Fargo Platinum card

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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.

Blue Cash Everyday® Card from American Express

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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.

Wells Fargo Cash Wise Visa® card

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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.

Wells Fargo Propel American Express® card

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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.

ABOC Platinum Rewards Mastercard® Credit Card

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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.

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Picture of Leslie Lamirande

By: | Aug 2, 2018

I have a 3 credit cards that are about $6,388 total and want to transfer them to a card with no 0% interest for about 15 to 18 months. my credit score is 731

1 Reply

By: CompareCards | Aug 9, 2018

Although we cannot determine the amount of credit you will be offered, or your ability to be approved for a card, the Discover it® Balance Transfer and the Citi® Diamond Preferred® Card are both excellent cards that come with long introductory periods for APR on balance transfers!

Picture of Nancy Holley Kitchens

By: | Jun 20, 2018

My credit score is 675 and my interest rate is very high on a $3,000 balance. Is there a card you can recommend that will give me a lower interest rate on whatever the balance is after allotted 0% interest time frame?

1 Reply

By: CompareCards | Jun 21, 2018

Although we cannot estimate if you will be approved for a card, or the size of the line of credit that would be given, there are some cards to consider for BT with your good credit score of 675. The Citi® Diamond Preferred® Card and the The Amex EveryDay® Credit Card from American Express are both great options, which come with great introductory APR periods!

Picture of Ezra Knowles Jr.

By: | Jun 15, 2018

Looking to pay off 4 bills I have on credit cards about 5000 can’t find a credit card that works for me

1 Reply

By: CompareCards | Jun 18, 2018

If you are looking to consolidate payments onto one card at a low interest rate, you should look at balance transfer credit card! We cannot determine the amount of credit you will be given, however there are several cards that are designed for balance transfers. The Citi Simplicity® Card - No Late Fees Ever and the Chase Freedom Unlimited® both come with great introductory low APR periods!

Picture of Maame Aphyia Afriyie Boateng

By: | Jun 14, 2018

I have a credit card debt of $3500 and I am looking for a good card to do a balance transfer so as to pay everything off asap. What card would you recommend

1 Reply

By: CompareCards | Jun 14, 2018

Although we cannot speculate on the line of credit you will be approved for by a credit card company, there are several cards that have excellent low interest introductory APR periods. Two cards to take a close look at would be the Citi® Diamond Preferred® Card and the Discover it® Balance Transfer, both of which have extra long introductory APR periods on balance transfers!

Picture of Donna Josefy Bishop

By: | Jun 12, 2018

I have a credit score of 780 and would like a low interest rate card,which car would you recommend

1 Reply

By: CompareCards | Jun 14, 2018

There are many excellent cards that have great introductory low APR periods. The Citi Simplicity® Card - No Late Fees Ever as well as the Chase Freedom Unlimited® both have extra long introductory periods for new customers!

Picture of Bill Hauschildt

By: | Jun 8, 2018

I have a credit card with 15K , my credit score is exelent , but I'm paying way to much in Interest , what card is the best to transfer to ,so I can pay this off ?

1 Reply

By: CompareCards | Jun 13, 2018

There are many excellent balance transfer credit cards to consider when looking for a new card. Although we cannot speculate on the line of credit you will be approved for, the Citi® Double Cash Card – 18 month BT offer and the Discover it® Balance Transfer are both excellent cards which offer extra long introductory APR periods on balance transfers!

Picture of Sandy Mochida-Rapozo

By: | Jun 4, 2018

my husband & I have credit scores around 740> but have quite a bit of debt that we are looking to pay off. 3 of our cards are within a $1500 of the credit limits while 3 other cards open have no balance. which card do you think would approve and help us to reduce our debt without paying a high interest rate?

1 Reply

By: CompareCards | Jun 4, 2018

Although we cannot determine the amount you will be approved for, there are many options for balance transfer credit cards! The Citi Simplicity® Card - No Late Fees Ever for instance has a long introductory period with low APR, and the Discover it® Cash Back also has a long introductory period as well as cash back offers!

Picture of Libby Holley Milliken

By: | May 29, 2018

I’m looking for a credit card for my husband, he will be using it monthly, regularly and paying off every month, I’m looking for the best rewards or cash back that he could earn, his credit score is close to 800

1 Reply

By: CompareCards | May 29, 2018

With a credit score around 800, your husband will likely be approved for most cards he were to apply for. When looking at rewards, the Capital One® Venture® Rewards Credit Card offers excellent rewards, as well as the Chase Sapphire Preferred® Card!

Picture of Diane Choquette

By: | May 29, 2018

I am trying to build my credit no one gives you a chance.

2 Replies

By: CompareCards | May 29, 2018

Although building credit can sometimes be difficult, secured credit cards are an excellent way for people to do so! They work by using a refundable security deposit to open up an initial line of credit. Take a look at the Discover it® Secured and the Capital One® Secured Mastercard®.

By: Maggie Criss Milhorn | Jun 2, 2018

While I agree that sometimes you do have to start with a secured card and build your way up. I have found that the cards that seem to give you a chance with lower credit are: 1) Capital Platinum Card. Both of my sons have been approved for this card, as well as Credit One. They are low balance and very high interest cards, but if you are looking to do small charges and pay it off every month then these are two possibilities.

Picture of Jacqueline Sharp

By: | May 18, 2018

I am trying to build up my credit due to identity theft. I have tried to explain that I have not opened up loans/credit cards under my name. I still have to clean up my credit, what card(s) can assist me. My credit score is 548.

1 Reply

By: CompareCards | May 25, 2018

Secured credit card are an excellent way for people with bad credit scores to build credit. This is done by using an refundable security deposit to open up an initial line of credit, take a look at the Discover it® Secured and the Capital One® Secured Mastercard®!

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.