Pay 0% Intro APR Until Nearly 2028
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.
Discover it® Cash Back
Discover it® Cash Back sports a lengthy intro period of APR 0% Intro APR for 15 months on purchases then 18.74% - 28.74% Variable APR after that. But when it comes to cash-back, the Discover it® Cash Back card is truly in a league of its own. Cardholders will enjoy 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.
On top of that, you can take advantage of the Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening And the $0 annual fee is just icing on the cake.
Citi® Diamond Preferred® Card
For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi® Diamond Preferred® Card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an intro APR of 0% intro APR for 21 months on Balance Transfers, followed by 16.74% - 27.49% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% intro APR for 12 months on Purchases with 16.74% - 27.49% (Variable) APR after that, 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.
Cardholders will also have free access to their FICO® Scores. Overall, the Citi® Diamond Preferred® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and has a $0 annual fee.
Citi Simplicity® Card
Imagine getting a year-and-a-half with 0% intro interest on a balance transfer or a big purchase. Reshape your financial picture with this industry-leading low-interest card from Citi - the Citi Simplicity® Card. 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 an intro APR of 0% intro APR for 18 months on Balance Transfers; after that, an APR of 17.74% - 28.49% (Variable) applies. Your payments will go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest.
It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% intro APR for 18 months on Purchases, then 17.74% - 28.49% (Variable) APR after that. 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.
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
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.
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.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
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