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 0% Intro APR all the way up to 21 months 0% Intro APR!
Compare these cards and discover which one is best for you.
BankAmericard® Credit Card
This is one of the best low interest cards available. Regain control over your financial life with three key benefits. Pay no annual fee and receive 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days and 0% Introductory APR on purchases for 15 billing cycles as well. What really makes this card shine is that there’s a $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). That means your payments can go entirely toward reducing your debt for over a year. Paying down your debt could improve your credit score. Track your progress and access your FICO® Score for free with this card. Unlike most cards, there is no penalty APR here. Put time on your side to trim or wipe out your debt, with no annual fee and no intro balance transfer fee.
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
This credit card comes with an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers*. With this 0% Intro APR you can pay off your balance interest free for the duration of the intro period. You’ll also gain access to Citi Private Pass for exclusive presale tickets and a Personal Concierge Service available to assist you 24/7. You’ll also earn City Easy Deal points with each card purchase redeemable for discounts on online merchandise, travel tickets, gift cards, and more. 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.
Citi Simplicity® Card – No Late Fees Ever
Imagine getting almost two years with 0% interest on purchases or a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. If you have major expenses on the horizon, like a wedding, a big trip, new furniture or appliances, this card delivers you an incredible 21 months to pay down that purchase with no interest. That’s right. Almost two years with no interest. For people who want to kick high-interest credit card debt to the curb once and for all, this is one of the best get-out-debt cards available. Transfer your high-interest debt to the Citi Simplicity® Card – No Late Fees Ever and for 21 months your payments will go directly to paying down your balance. That could save you hundreds of dollars in interest. This is the only card with no late fees, no penalty rate, and no annual fee… EVER! If you’re one to forget about a payment or two, this card is perfect for you. The Citi Simplicity® Card – No Late Fees Ever is best in class beating other 0% intro offers by six to nine months.
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. 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!
Discover it® – 18 Month Balance Transfer Offer
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. 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% cash back 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. However, the real value is long 0% intro APR on balance transfers and generous cash-back on category spending.
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is one of the more unique cash back cards. It’s best for the average household. It provides a competitive cash back with 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. All with no annual fee! This card is great for anyone that spends a lot of money on gas and groceries. The cash back is received in the form of Reward Dollars that you can redeem for statement credits. The card also has an intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.
Wells Fargo Platinum Visa® Card
This credit card comes with an intro APR of 0% for 15 months on Purchases and 0% for 15 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.
Discover it® Cashback Match™
Not all low interest cards offer rewards. This no-annual fee Discover card towers above the crowd with generous cash-back, plus long low interest periods on purchases and balance transfers. Earn 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% cash back on all other purchases. Do you have a big purchase coming up that you’d like to finance without interest piling up for over a year? This card offers an intro APR of 0% for 14 months on new purchases. Take advantage of the generous 5% cash-back on rotating categories that includes home improvement stores, wholesale clubs, Amazon.com and Target in 2017. This top tier card delivers a blockbuster sign up bonus that turns your cash-back into 10% on category spending in the first year. Discover will automatically match all the cash back you earn at the end of your first year.* If you have high-interest credit card balance that you’d like to transfer this card gives you an intro APR of 0% for 14 months. Save on interest and make money with this card!
*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.
By Thomas Donaldson, Updated on Jan 02, 2018