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Over the Past 60 Days!
Pay 0% Intro APR Until Nearly 2027
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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.
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 17.74% - 27.74% Variable APR on balance transfers
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases and then 17.74% - 27.74% Variable APR
Rewards: 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
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
Discover it® Chrome
Intro Balance Transfer APR: 0% Intro APR for 18 months on balance transfers. After the intro period, 17.74% - 26.74% Variable APR *Rates as of December 15, 2025 applies.
Intro Purchase APR: 0% Intro APR for 6 months on purchases, and then 17.74% - 26.74% Variable APR *Rates as of December 15, 2025 applies.
Rewards: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
Extras: You can take advantage of the 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.
Annual Fee: $0
Blue Cash Everyday® Card from American Express
Intro Balance Transfer APR: 0% on balance transfers for 15 months, followed by 19.49%-28.49% Variable APR after that.
Intro Purchase APR: Intro APR of 0% on purchases for 15 months and then 19.49%-28.49% Variable APR after that intro period is up.
Rewards: This card is a cash back* machine. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Extras: 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.
Wells Fargo Reflect® Card
Intro Balance Transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, and then 17.49%, 23.99%, or 28.24% Variable APR after the intro period.
Intro Purchase APR: 0% intro APR for 21 months from account opening on purchases on purchases, and then 17.49%, 23.99%, or 28.24% Variable APR after the intro period.
Rewards: This card doesn’t offer a rewards structure. However, if you want to stay laser focused on paying off your balance and don’t want to get distracted by fancy perks or points, this might be your card.
Extras: Cardholders can take advantage of up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Annual Fee: $0
Bank of America® Travel 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 17.74% - 27.74% Variable APR on balance transfers
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases and then 17.74% - 27.74% Variable APR
Rewards: Earn 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Extras: This card comes with a sign-up bonus that’s both valuable and relatively easy to achieve: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
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 and then 17.74% - 27.74% Variable APR on balance transfers after the intro.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases and then 17.74% - 27.74% Variable APR applies.
Rewards: Cardholders earn 2% cash back on all purchases for the first year from account opening. 1.5% cash back on all purchases after the first year from account opening — this means you’ll earn cash back on groceries, gas and other everyday purchases.
Extras: You can get $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
Discover it® Cash Back
Intro Balance Transfer APR: 0% Intro APR for 15 months on balance transfsers, then 17.74% - 26.74% Variable APR *Rates as of December 15, 2025 after that.
Intro Purchase APR: 0% Intro APR for 15 months on purchases, then 17.74% - 26.74% Variable APR *Rates as of December 15, 2025 applies.
Rewards: 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
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
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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