Credit card interest rates are hovering above 20%, which means carrying a balance can get expensive -- fast. But a 0% intro APR card can give you a much-needed break, whether you're trying to pay off debt or finance a major purchase.
Some of the best offers this week feature up to 24 months with no interest on purchases, balance transfers, or both. Many also throw in perks like no annual fee, rewards, and even sign-up bonuses.
Looking to skip interest payments well into 2027? Here are the longest 0% intro APR deals available right now.
On Wells Fargo's Secure Website.
Rates & Fees
On Wells Fargo's Secure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.
Read Full ReviewOn Citi's Secure Website.
Rates & Fees
On Citi's Secure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.24% - 27.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
This card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck.
Read Full ReviewOn Citi's Secure Website.
Rates & Fees
On Citi's Secure Website.
Rates & Fees
Fair to Excellent (580-850)
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Rewards 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2% cash back
Annual Fee N/A
$0
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.
$200
This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.
Read Full ReviewOn Discover's Secure Website.
Rates & Fees
On Discover's Secure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
18.24% - 27.24% Variable APR
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
1% - 2% Cashback
Annual Fee
$0
Welcome Offer INTRO OFFER: 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.
Discover will match all the cash back you’ve earned at the end of your first year.
The main draw of this Discover card is the balance transfer offer, which is one of the best we've come across. Unlike many balance transfer cards, it combines that with cash back rewards. But the cash back program doesn't measure up to what other cards offer.
On Chase's Secure Website.
Rates & Fees
On Chase's Secure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
18.99% - 28.49% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee
$0
Welcome Offer Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $200 cash back
The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet.
Read Full ReviewGood/Excellent (670-850)
Intro APR For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.
Purchases: 0%, 24 billing cycles
Balance Transfers: 0%, 24 billing cycles
Regular APR
17.74% - 28.74% (Variable)
Rewards 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
4% cash back
Annual Fee
$0
Welcome Offer
N/A
Getting the most out of a 0% intro APR card starts with knowing how you'll use it. If you're planning a big purchase and want time to pay it off, look for a card with a long interest-free period on new purchases. If you're carrying debt on another card, focus on those with strong balance transfer offers instead.
The length of the intro period matters -- the longer it lasts, the more time you'll have to pay down your balance without interest. But be realistic: if you can't pay it off before the regular APR kicks in, that "interest-free" window could end up costing you.
Also be sure to check for any annual fees or hidden costs that could reduce your overall savings. And since these cards are usually geared toward people with good or excellent credit, it's smart to check your credit score before applying.
A 0% intro APR card can be a helpful tool in several situations, including:
If any of these apply to you, one of this week's long intro APR cards could be worth considering.
To take full advantage of a 0% intro APR offer, start with a plan. Figure out how much you'll need to pay each month to clear your balance before the promo period ends -- that way, you won't get stuck with interest later.
If you're transferring a balance, it's usually best to avoid using the same card for new spending. Mixing charges can make it harder to keep track of what you owe. And most importantly, always pay on time -- one missed payment could end the intro rate early and trigger a much higher APR.
Some of this week's top credit cards offer 21 months of 0% intro APR -- and one stretches all the way to 24 months. That gives you up to two years of breathing room to pay off purchases or existing balances without interest. If you're ready to make a move, now's a smart time to take advantage of one of these long-lasting offers.
Our favorite card this week is the Wells Fargo Reflect® Card (see rates and fees) -- it offers one of the longest intro APR periods out there, perfect if you want maximum time to pay off your balance interest-free.
Just remember, these offers change often, so jumping on one now could save you a lot down the road. Ready to lock in 0% interest and take control of your finances? Apply for the Wells Fargo Reflect® Card today.
Once the intro period expires, the regular APR applies to any remaining balance, so it's best to pay off your balance before then to avoid interest charges.
Right now, some cards offer up to 24 months of 0% interest, allowing you to pay off balances without interest for as long as two years.
A 0% intro APR credit card offers no interest on purchases, balance transfers, or both for a limited time, giving you a window to pay down debt without extra fees.
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