Pay 0 Interest Until 2025
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.
Blue Cash Everyday® Card from American Express
Intro Balance Transfer APR: 0% on balance transfers for 15 months, followed by 19.24%-29.99% Variable APR after that.
Intro Purchase APR: Intro APR of 0% on purchases for 15 months and then 19.24%-29.99% Variable APR after that intro period is up.
Rewards: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
Extras: Earn a Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee: $0.
*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Discover it® Cash Back
Intro Balance Transfer APR: 0% Intro APR for 15 months, then 17.24% - 28.24% Variable APR after that.
Intro Purchase APR: 0% Intro APR for 15 months, then 17.24% - 28.24% Variable APR applies.
Rewards: 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.
Extras: It's hard to beat 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.
Annual Fee: $0.
Capital One Quicksilver Cash Rewards Credit Card
Intro Balance Transfer APR: 0% intro on balance transfers for 15 months (Balance transfer fee applies) - the ongoing APR for balance transfers is 19.99% - 29.99% (Variable); balance transfer fee applies.
Intro Purchase APR: 0% intro on purchases for 15 months, and then 19.99% - 29.99% (Variable) APR after that.
Rewards: 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
Extras: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee: $0.
Blue Cash Preferred® Card from American Express
Intro Balance Transfer APR: Intro APR of 0% on balance transfers for 12 months, then 19.24%-29.99% Variable APR after that.
Intro Purchase APR: Intro APR of 0% on purchases for 12 months, then 19.24%-29.99% Variable APR.
Rewards: Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. This cash back reward can be redeemed as statement credit or at Amazon.com checkout.
Extras: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee: $0 intro annual fee for the first year, then $95.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
Citi Double Cash® Card
Intro Balance Transfer APR: 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.
Regular Purchase APR: 19.24% - 29.24% (Variable)
Rewards: 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: 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.
Annual Fee: $0
Citi Custom Cash® Card
Intro Balance Transfer APR: 0% intro APR for 15 months on Balance Transfers, then 19.24% - 29.24% (Variable) APR after that intro period is up.
Intro Purchase APR: 0% intro APR for 15 months on Purchases, then 19.24% - 29.24% (Variable) APR based on creditworthiness.
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.
Extras: Don't miss out on this outstanding welcome offer. 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.
Annual Fee: $0.
Bank of America® Customized Cash 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 18.24% - 28.24% Variable APR on balance transfers.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases, and then 18.24% - 28.24% Variable APR after that.
Rewards: 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. . Plus, you can switch up your 3% cash back category each month to maximize your cash back.
Extras: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee: $0.
Bank of America® Unlimited Cash Rewards credit card
Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 18.24% - 28.24% Variable APR on balance transfers applies.
Intro Purchase APR: Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 18.24% - 28.24% Variable APR after that.
Rewards: 1.5% cash back on all purchases. , with no limit to the amount of cash back you can earn as a cardholder and no expiration date on those rewards as long as your account remains open.
Extras: Provided you're a new cardholder, you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee: $0
Citi Rewards+® Card
Intro Balance Transfer APR: Intro APR of 0% intro APR for 15 months on Balance Transfers and then 18.74% - 28.74% (Variable) after that.
Intro Purchase APR: Intro APR of 0% intro APR for 15 months on Purchases and then 18.74% - 28.74% (Variable) once that intro period is up.
Rewards: 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.
Extras: 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..
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!
Methodology
Each month, the LendingTree 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.
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.
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0% Intro APR: 0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
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Rewards Rate: 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.
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Sign-Up Bonus: 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.