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Over the Past 60 Days!
Pay 0% Intro APR Until Nearly 2028
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Do you have high-interest credit card balance you're struggling to pay off?
You're not alone — nearly half of Americans carry a balance on their credit cards from month to month. If you're suffering from high interest rate charges, transfer your balance to one of these balance transfer or low interest cards with 0% intro APR and start saving 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 or longer of 0% Intro APR, which means on certain cards you could pay 0 interest until nearly 2028.
Compare these cards and discover which one is best for you.
Bank of America® Travel Rewards credit card
Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 17.49% - 27.49% Variable APR on balance transfers
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases and then 17.49% - 27.49% Variable APR
Rewards: Earn 1.5 points per $1 spent on everyday purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Extras: This card comes with a sign-up bonus that’s both valuable and relatively easy to achieve: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Annual Fee: $0
Discover it® Chrome
Intro Balance Transfer APR: 0% Intro APR for 18 months on balance transfers. After the intro period, 17.49% - 26.49% Variable APR applies.
Intro Purchase APR: 0% Intro APR for 6 months on purchases, and then 17.49% - 26.49% Variable APR applies.
Rewards: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
Extras: You can take advantage of the Unlimited Cashback Match for all new cardmembers. 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.
Annual Fee: $0
Citi Double Cash® Card
Intro Balance Transfer APR: Intro APR of 0% intro APR for 18 months on Balance Transfers and then 17.49% - 27.49% (Variable) once that intro period is over.
Intro Purchase APR: N/A - this card has an ongoing APR for purchases of 17.49% - 27.49% (Variable).
Rewards: 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Extras: There aren’t any caps on the cash back you earn and no categories to worry about, making maximizing your cash back simple.
Annual Fee: $0.
Discover it® Cash Back
Intro Balance Transfer APR: Take advantage of 0% Intro APR for 15 months on balance transfers, then 17.49% - 26.49% Variable APR after that.
Intro Purchase APR: Cardholders get 0% Intro APR for 15 months on purchases, then 17.49% - 26.49% Variable APR applies.
Rewards: 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Extras: It's hard to beat Unlimited Cashback Match for all new cardmembers. 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.
Annual Fee: $0
Wells Fargo Reflect® Card
Intro Purchase APR: 0% intro APR for 21 months from account opening on purchases on purchases, then 17.49%, 23.99%, or 28.24% Variable APR after the intro period.
Intro Balance Transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, and then 17.49%, 23.99%, or 28.24% Variable APR applies.
Rewards: You won’t earn any miles or points with this card, but if your goal is to get out of debt or pay off a big purchase with no interest, you can’t go wrong.
Extras: Keep your phone safe with up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Annual Fee: $0
Get Started Now
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!
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.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
