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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 have hand selected the below cards 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 Simplicity® Card – No Late Fees Ever
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.
Discover it® Balance Transfer
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 13.99% – 24.99% 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 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% unlimited cash back automatically on all other purchases. This card also comes with a valuable sign up bonus. Discover will automatically match all the cash back you earn at the end of your first year.* 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 13.99% – 24.99% variable. However, the real value is long 0% intro APR on balance transfers and generous cash-back on category spending.
Capital One® Quicksilver® Card – 0% Intro APR for 15 Months
Get the best of both worlds with this generous card that offers one of the longest 0% intro interest periods available 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.
Chase Freedom Unlimited®
This balance transfer card comes with a generous cash sign-up bonus, and on-going cash-back rewards. Use that cash-back to help pay down your debt faster. The Chase Freedom Unlimited® comes with 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 set this apart from some other low interest offers are the rich cash rewards. Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Then earn, unlimited 1.5% cash back on every purchase. Just think how much faster you can pay down your balance with the big cash back rewards. The balance transfer fee is 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.
BankAmericard® credit card
New! If you want a break on interest, check out this new and improved offer. Take advantage of one of the longest 0% intro APR on purchases and balance transfers available with this $0 annual fee card. Finance a new purchase with generous 0% Introductory APR on purchases for 18 billing cycles then 14.99% – 24.99% 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 balance transfers made in the first 60 days then 14.99% – 24.99% 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.
Blue Cash Preferred® Card from American Express
Earn best-in-class cash-back on gas and groceries with no rotating categories alongside generous 0% intro APR on purchases and balance transfers. Start off with a generous welcome offer: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. This card offers an extraordinary 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 3% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. If you spend $500 per month on groceries, over the course of a year, you’ll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations and select U.S. department stores, plus 1% cash back on everything else. Get flexibility for your budget with 0% for 12 months intro APR on purchases then 14.99%-25.99% variable. Transfer your high interest balance to this card with intro APR 0% for 12 months then 14.99%-25.99% Variable. There is a $95 annual fee, but the welcome offer alone covers the cost of that for two years.
Capital One® VentureOne® Rewards Credit Card
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. Capital One offers one of the most generous rewards on hotel stays available. Earn an incredible unlimited 10x miles on thousands of hotels when you pay with your card at hotels.com/venture. Hotel rewards don’t get better than this. 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!
Wells Fargo Platinum Visa® Card
This credit card comes with an intro APR of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers. With this 0% Intro APR you can pay off your balance interest free for the duration of the intro period. This card also 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 Visa® Card. This card is perfect for people looking to get out of debt or making a large purchase who want to pay it off over time with no interest and no annual fee.
Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer
Drive away with lengthy 0% intro interest on both purchases and balance transfers with the
Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer in your wallet. This card offers a sparkling combination of long 0% 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 12 billing cycles. Pay down debt faster with 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days. Then 15.24% – 25.24% Variable APR. Enjoy a $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. Spend that any way you want! Earn a high rate of cash back on things you buy every day including 3% cash back on gas and 2% at grocery stores and wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. 1% cash back on all other purchases. It’s hard to believe this fully loaded card comes with $0 annual fee.
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is prized by people who want to transfer high-interest debt. Citi offers you a lifeline with intro APR of 0% for 18 months on balance transfers*. You’ll appreciate the steady stream of cash-back that comes with every purchase, every day. Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. There’s no categories to track, no caps on cash back and $0* annual fee. Pile your cash rewards onto your balance and say goodbye to your debt faster. Stop new high-interest charges from racking up with a balance transfer on this no hassle card. Don’t worry if your credit isn’t perfect. This card is aimed at people with excellent, good credit.