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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 21 months 0% Intro APR!
Compare these cards and discover which one is best for you.
Get the best of both worlds with this generous card that offers long 0% intro interest on both purchases and balance transfers and rich cash back rewards. Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay down your balance with no interest charges piling up. Or, stop high interest charges with a balance transfer. This card comes with 0% intro on balance transfers for 15 months. The standout feature on this incredible low interest card are the rich cash back rewards. You will earn cash on everything you buy, everywhere. Enjoy a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Earn an impressive 1.5% cash back on every purchase, every day. Get all this for $0 annual fee.
If you want a break on interest, check out this new and improved offer. Take advantage of ultra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Introductory APR on purchases for 18 billing cycles then 14.49% - 24.49% Variable APR. That means no monthly interest charges will pile up during the promo period. Stop paying high interest charges with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 14.49% - 24.49% Variable APR. That means your payments can go entirely toward reducing your debt for over a year. Regain control over your financial life and put time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. Get a better interest rate now with BankAmericard® credit card.
If you want to transfer high-interest debt, Discover designed this powerful card just for you. Get intro APR of 0% for 18 months on balance transfers, then 13.49% - 24.49% variable after that. Rich cash-back rewards make this $0 annual fee card stand out among long 0% intro APR offers. Pay for your everyday essentials like gas and groceries with this card and get Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. This card also comes with a valuable sign up bonus. Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Use the cash-back rewards to pay down your balance faster. You will get a break on interest on new purchases with an intro APR of 0% for 6 months then 13.49% - 24.49% variable. However, the real value is long 0% intro APR on balance transfers and generous cash-back on category spending.
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.
This is a top no-annual fee travel credit card that also gives you 0% intro on purchases for 12 months. If you have a big trip or purchase on the horizon, this means you can pay it off over a year without having to worry about interest charges piling up. Earn travel rewards fast with this card in your wallet. Start out with a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel, while earning 1.25 miles per dollar on every purchase, every day. What’s best about this card? The miles you earn are good for any travel expense like airfare, hotel rooms, cruises and car rentals. Start earning unlimited miles on every purchase and enjoy 0% intro on purchases for 12 months now!
This balance transfer card comes with a generous on-going cash-back rewards. Use that cash-back to pay down debt faster. The Chase Freedom Unlimited® offers a long 0% Intro APR for 15 months on balance transfers. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. The standout features that sets this apart from some other low interest offers are the rich cash rewards with this 1.5% cash back offer. The balance transfer fee is 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5, then either $5 or 5% of the amount of each transfer, whichever is greater.. This is an enticing balance transfer offer, with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goal faster.
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 unlimited 1.5% cash rewards on everyday net 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 15.49%-27.49% (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.
Drive away with long intro interest on both purchases and balance transfers with the Bank of America® Cash Rewards credit card in your wallet. This card offers a sparkling combination of long intro interest, a big cash sign-up bonus and generous cash-back on things you buy every day. Hit the brakes on high-interest charges now. You could save hundreds of dollars in interest with 0% Introductory APR on purchases for 15 billing cycles. Pay down debt faster with 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Then 15.49% - 25.49% Variable APR. Enjoy a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This groundbreaking offer lets you choose how you earn 3% cash back! Choose from gas, online shopping, dining, travel, drug stores and home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases. It’s hard to believe this fully loaded card comes with $0 annual fee.
If you eat out and go out, this card is a top choice. Capital One® sweetens the pot with generous 0% intro APR on both purchases and balance transfers, and a solid sign-up bonus. You’ll earn one of the highest year-round rates of cash back on dining and entertainment on a $0 annual fee card. Watch your rewards pile up fast with 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. You can earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Take advantage of lengthy 0% intro on purchases for 15 months then 15.49% - 25.49% (Variable) APR. If you are carrying high interest debt, transfer your balance to this card with long 0% intro APR on balance transfers. Pay your debt down faster when every penny of your payment goes to the balance during the promo period. Unlike other cards that come with quarterly caps on the amount of bonus cash you can earn, there’s no limit to how much cash back you can earn on this card.
Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. 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 intro APR 0% for 21 months on Balance Transfers. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR 0% for 12 months on Purchases. 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.
Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!