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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.
Citi Simplicity® Card
Intro Balance Transfer APR: Cardholders get nearly two years of 0% intro APR: 0% intro APR for 21 months on Balance Transfers, then 18.49% - 29.24% (Variable) APR after that intro period is up.
Intro Purchase APR: 0% intro APR for 12 months on Purchases; after that, an APR of 18.49% - 29.24% (Variable) applies.
Rewards: This card is completely focused on offering the longest periods of 0% intro APR on purchases and balance transfers, so it doesn’t come with a rewards program.
Extras: If you lose or misplace your card, you can stay protected with Citi® Quick Lock.
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. After the intro period, 18.49% - 28.49% Variable APR on balance transfers.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases, and then 18.49% - 28.49% Variable APR after the intro period.
Rewards: Earn 1.5 points per $1 spent on all purchases.
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
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 29.24% Variable APR after the intro period.
Intro Purchase APR: 0% intro APR for 21 months from account opening and then 17.49%, 23.99%, or 29.24% 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
Citi® Diamond Preferred® Card
Intro Balance Transfer APR: Intro APR of 0% intro APR for 21 months on Balance Transfers and then 17.49% - 28.24% (Variable) after that intro period is up.
Intro Purchase APR: Intro APR of 0% intro APR for 12 months on Purchases and then 17.49% - 28.24% (Variable) after that.
Rewards: This card doesn’t have a rewards program, but the nearly two years of 0% intro APR on balance transfers still makes this an amazing pick.
Extras: Get free access to your FICO® Score online, plus, with Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, and more.
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), and then a 19.49% - 29.49% (Variable) APR applies.
Intro Purchase APR: 0% intro on purchases for 15 months, and then 19.49% - 29.49% (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: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee: $0
Capital One VentureOne Rewards Credit Card
Intro Balance Transfer APR: 0% intro on balance transfers for 15 months, and then 19.49% - 29.49% (Variable) APR; balance transfer fee applies.
Intro Purchase APR: 0% intro on purchases for 15 months. After the intro period, you can expect 19.49% - 29.49% (Variable) APR.
Rewards: Cardholders get 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
Extras: On top of a valuable rewards rate on travel purchases, this card offers a sign-up bonus that’s pretty easy to achieve: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee: $0
Discover it® Cash Back
Intro Balance Transfer APR: 0% Intro APR for 15 months, then 18.49% - 27.49% Variable APR after that.
Intro Purchase APR: 0% Intro APR for 15 months, then 18.49% - 27.49% Variable APR 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
Citi Custom Cash® Card
Intro Balance Transfer APR: 0% intro APR for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable) APR after that intro period is up.
Intro Purchase APR: 0% intro APR for 15 months on Purchases, then 18.49% - 28.49% (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 6/30/2026.
Extras: Don't miss out on this outstanding welcome offer: Earn $200 cash back after you spend $1,500 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.
Discover it® Chrome
Intro Balance Transfer APR: 0% Intro APR for 18 months. After the intro period, 18.49% - 27.49% Variable APR applies.
Intro Purchase APR: 0% Intro APR for 6 months, and then 18.49% - 27.49% Variable APR 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. Just a dollar-for-dollar match.
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 18.49% - 28.49% Variable APR on balance transfers applies.
Intro Purchase APR: Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 18.49% - 28.49% Variable APR after that.
Rewards: Earn 1.5% cash back on all purchases. There's 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 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 18.49% - 28.49% (Variable) APR after that.
Regular Purchase APR: 18.49% - 28.49% (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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the citi travel℠ portal through 12/31/25.
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
Wells Fargo Active Cash® Card
Intro Balance Transfer APR: 0% intro APR for 12 months from account opening on qualifying balance transfers, then 19.49%, 24.49%, or 29.49% Variable APR after that intro period is up.
Intro Purchase APR: 0% intro APR for 12 months from account opening on purchases, then 19.49%, 24.49%, or 29.49% Variable APR.
Rewards: The rewards program for the Wells Fargo Active Cash® Card may look simple at first, but don’t let that fool you – if you’re a cardholder, you’ll earn unlimited 2% cash rewards on purchases. 2% unlimited is unheard-of in the world of rewards credit cards so this card is absolutely not one to miss.
Extras: If you’re a new cardholder, you’ll earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months from account open.
Annual Fee: $0
Wells Fargo Autograph℠ Card
Intro Balance Transfer APR: This card doesn’t feature an intro balance transfer offer; the ongoing APR is 19.49%, 24.49%, or 29.49% Variable APR, depending on creditworthiness.
Intro Purchase APR: 0% intro APR for 12 months from account opening on purchases, with 19.49%, 24.49%, or 29.49% Variable APR after that.
Rewards: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Extras: If you’re a new cardholder, you can earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
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.
*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
Citi Simplicity® Card
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Intro Purchase APR: 0% intro APR for 12 months on Purchases
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Intro BT APR: 0% intro APR for 21 months on Balance Transfers
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Regular Purchase & BT APR: 18.49% - 29.24% (Variable)
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