Pay 0 Interest Until 2025 | CompareCards.com

Pay 0 Interest Until 2025

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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® Diamond Preferred® Card

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Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card
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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 could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an intro APR of 0% intro APR for 21 months on Balance Transfers, followed by 18.24% - 28.99% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% intro APR for 12 months on Purchases with 18.24% - 28.99% (Variable) APR after that, 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.

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 has a $0 annual fee.

Citi Double Cash® Card

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Citi Double Cash<sup>®</sup> Card
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The Citi Double Cash® 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: earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. to earn cash back, pay at least the minimum due on time. plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the citi travel℠ portal through 12/31/24.

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% intro APR for 18 months on Balance Transfers, then 19.24% - 29.24% (Variable) APR after that - this is about as good as it gets for paying no interest on balance transfers on a card with no annual fee!

Wells Fargo Active Cash® Card

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Wells Fargo Active Cash<sup>®</sup> Card
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It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash® Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months from account open.

But this $0-annual-fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash® Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 20.24%, 25.24%, or 29.99% Variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 20.24%, 25.24%, or 29.99% Variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.

Citi Custom Cash® Card

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Citi Custom Cash<sup>®</sup> Card
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The Citi Custom Cash® Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

The Citi Custom Cash® Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on Purchases, then 19.24% - 29.24% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on Balance Transfers, then 19.24% - 29.24% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.

Capital One Quicksilver Cash Rewards Credit Card

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Capital One Quicksilver Cash Rewards Credit Card
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The Capital One Quicksilver Cash Rewards Credit Card is a card that truly offers the best of both worlds, with a long period of 0% intro APR on purchases and solid cash back rewards. Take advantage of 0% intro on purchases for 15 months and then 19.99% - 29.99% (Variable) APR after that intro period is over. That gives you over a year to to pay down your balance with no interest charges weighing you down - perfect when you have a large expense coming up. It's the same for balance transfers: an APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies) followed by an ongoing APR of 19.99% - 29.99% (Variable).

But the real standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash back on everything you buy, everywhere - an impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, new cardholders can enjoy a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Even better, the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee, so you can put all the cash back you earn to work for you instead of paying down fees.

Discover it® Cash Back

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Discover it<sup>®</sup> Cash Back
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Discover it® Cash Back sports a lengthy intro period of APR 0% Intro APR for 15 months on purchases then 18.24% - 28.24% Variable APR after that. But when it comes to cash-back, the Discover it® Cash Back card is truly in a league of its own. Cardholders will enjoy Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time..

On top of that, 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. And the $0 annual fee is just icing on the cake.

Chase Freedom Unlimited®

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Chase Freedom Unlimited<sup>®</sup>
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The Chase Freedom Unlimited® card comes with generous on-going cash-back rewards. With this card, enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. And this card comes with an amazing offer for new cardholders. There's also an incredible Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Who doesn't love earning extra cash back? 

In addition to the generous rewards program, cardholders will enjoy 0% Intro APR on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 20.49% – 29.24% Variable APR. And even better, if you’re looking to transfer a balance from a high-interest credit card, the Chase Freedom Unlimited® card offers 0% Intro APR on Balance Transfers for 15 months, with 20.49% – 29.24% Variable APR once that intro period is up. Overall, the Chase Freedom Unlimited® card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.

Bank of America® Customized Cash Rewards credit card

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Bank of America<sup>®</sup> Customized Cash Rewards credit card
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If you’re looking to take control of how you earn credit card rewards, the Bank of America® Customized Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.

But this card isn’t just a winner when it comes to rewards. The Bank of America® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases and then 19.24% - 29.24% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 19.24% - 29.24% Variable APR on balance transfers after that intro period is up. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees. 

Bank of America® Unlimited Cash Rewards credit card

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Bank of America<sup>®</sup> Unlimited Cash Rewards credit card
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We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn 1.5% cash back on all purchases. , with no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards as long as your account remains open. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This combination of rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!

The Bank of America® Unlimited Cash Rewards credit card is also an exceptional choice for those looking to limit interest payments, with over a year of 0% intro APR on purchases and balance transfers. Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 19.24% - 29.24% Variable APR after that. It’s a little different on the balance transfer side: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 19.24% - 29.24% Variable APR on balance transfers applies. When making a balance transfer, you’ll end up paying a fairly standard balance transfer fee: 3% for 60 days from account opening, then 4% To sum it up, this card is an excellent $0-annual-fee choice for anyone looking for unlimited cash back.

Citi Rewards+® Card

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Citi Rewards+<sup>®</sup> Card
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If you buy gas and groceries, maximize your rewards with the Citi Rewards+® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. But that's not all - 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% intro APR for 15 months on Balance Transfers, then 18.74% - 28.74% (Variable) APR after that. 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.

There's also a relative low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.. Redeem your points for gift cards for nearly 100 different popular brands. The combination of a long 0% intro APR period, a sign-up bonus and a 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.

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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.

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