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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.
For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi Diamond Preferred, from our partner Citi, card could be a great choice for you. This card offers an incredible intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases 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.
This card offers $0 liability on unauthorized charges and Citi® Identity Theft Solution which can give you peace of mind while you shop. Cardholders will also have free access to their FICO® Scores. Overall, the Citi Diamond Preferred credit card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and no annual fee.
The Citi Double Cash Credit 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. Citibank does advertise its products on our website.
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% for 18 months on Balance Transfers. The on-going interest rate is 13.99% – 23.99% (Variable) based on your creditworthiness and you pay no annual fee.
Discover it® Cash Back sports a lengthy intro period of APR 0% for 14 months on purchases then 11.99% – 22.99% Variable after that. But when it comes to cash-back, the Discover it® Cash Back card is truly in a league of its own. 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. 1% unlimited cash back on all other purchases – automatically
On top of that, cardholders enjoy Unlimited Cashback Match – 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. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600 – combined with the first-year sign-up bonus, new cardholders could take home an incredible 10% cash back on category spending. The $0 annual fee is just icing on the cake.
The Discover it® chrome card has something for almost anyone. From jump, cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then an APR of 11.99% – 22.99% Variable
applies – that’s over a year of not having to worry about charges building up. Plus, new cardholders can take advantage of Unlimited Cashback Match – 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. Just a dollar-for-dollar match.
But Discover it® chrome really pulls away from the pack when it comes to cash back: you can earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. To top it all off, rewards can be redeemed at any time and never expire. And did we mention that this all comes with no annual fee?
If you’re looking to take control of how you earn credit card rewards, the Bank of America® 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® Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Introductory APR on purchases for 12 billing cycles and then 13.99% – 23.99% 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 12 billing cycles for any balance transfers made in the first 60 daysand then 13.99% – 23.99% Variable APR 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.
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 15.49% – 25.49% (Variable) 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.
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. 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.
Anyone looking for a great card with a long intro APR period and a truly staggering array of cashback opportunities is going to find the Chase Freedom Flex℠ hard to ignore. Right off the bat, Chase Freedom Flex℠ offers 0% Intro APR on Purchases for 15 months and then 14.99% – 23.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up. Plus, this all comes with a strong sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. And even better, Chase Freedom Flex℠ comes with $0 annual fee. This card looks compelling before even considering the cashback bonuses available.
And it’s in those cashback bonuses where the Chase Freedom Flex℠ really shines: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket.
The American Express Cash Magnet® Card – $150 Welcome Offer is a solid 0% intro APR card that should be on everyone’s radar because of its standout sign-up bonus. If you’re a new cardholder, you could earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
But the benefits of the American Express Cash Magnet® Card – $150 Welcome Offer extend well beyond its sign-up bonus. Take advantage of the lengthy 0% intro APR and unlimited 1.5% cash back on your purchases. This fully-loaded card comes with an intro APR of 0% on purchases for 15 months then 13.99%-23.99% variable. Every penny of your payment will trim your balance during the 0% intro interest period, with no monthly interest charges piling up, which makes it easy to pay down a large purchase or prep for an upcoming expense. You’ll appreciate the legendary American Express customer service and cardholder benefits which include extended warranty, car rental loss and damage insurance and purchase protection. Even better, you get all this for a$0 annual fee, so all the cash back you earn doesn’t have to go to paying fees.
If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. On top of that, your rewards could add up fast when you factor in this card’s top-of-the-line rewards program. 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.
But this card isn’t just about rewards. You can save on interest with intro purchase APR 0% on purchases for 15 months then 13.99%-23.99% Variable after that – that long 0% APR period means you won’t have to worry about interest charges piling up for more than a year. Bottom line, this is a valuable $0 annual fee cash back card that rewards you for things you buy every day – it’s just that easy.
If you buy gas and groceries, maximize your rewards with the Citi Rewards+ card, plus get a little extra on every purchase with the rounding up feature. 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% for 15 months. 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.
The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relative low spending requirement to earn the sign-up bonus. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Redeem your points for gift cards for nearly 100 different popular brands. The combination of long 0% intro APR, sign-up bonus and 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.
These premium rewards come at a cost: a $95 annual fee. But, many people can earn substantial cash-back rewards well beyond that. This card is one of the cases where the benefits can significantly outweigh the annual fee. This welcome offer alone covers the cost of the annual fee for two years.
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If you are looking for a longer 0% intro APR offer, you may want to learn more about the U.S. Bank Visa® Platinum Card, which offers 0% intro APR for 20 months on balance transfers. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here. Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!
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