The Ultimate Guide to Credit Cards
Friday, December 13, 2019

15 Longest 0% APR Credit Card Offers

15 Longest 0% APR Credit Card Offers

credit card advice

Adam West
By: Adam West
Posted: November 20, 2019

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Credit cards are super convenient. But, if not used properly, they can also be very expensive. The longer you take to pay off your balance, the more money you spend on interest and fees — unless you snag one of the longest 0% APR credit card offers.

These cards offer extended promotional periods for new cardholders that allow you to pay no interest charges for a set period on all your new purchases and initial balance transfers. These offers can help you knock debt out faster by applying your full payment toward your balance to eat away at your principal instead of munching on interest charges.

New Purchases | Balance Transfers | FAQs

Longest 0% APR Offers on New Purchases

Not every 0% APR offer is the same. Some cards offer other rewards on top of the interest-free promotional period.

You could earn cash back, travel miles, or rewards points for your purchases. Cards that don’t offer rewards typically provide a longer 0% APR period for new cardholders.

With Rewards | Without Rewards

Longest 0% APR on New Purchases with Rewards

The only thing better than paying no interest for your new purchases is paying no interest and getting rewarded for using your card.

With the cards below, you can have your cake and eat it, too. Just make sure you pay your balance off before the end of your promotional period, so you don’t risk negating those rewards with added finance charges.

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

Not only can new Chase Freedom Unlimited® cardholders take advantage of 15 months with 0% interest, but they’ll also earn an unlimited 1.5% cash back on all purchases. To sweeten the pot even further, if you spend at least $500 on purchases in your first three months with the card, Chase will provide a $150 account bonus.

0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

With the Chase Freedom®, you’ll get 15 interest-free months after opening your account. You can also earn an unlimited 1% cash back on all your purchases. Perhaps the best deal is the 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. Just remember to activate your bonus category each quarter to take advantage of the extra cash back.

0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Excellent, Good

The Capital One® Quicksilver® Cash Rewards Credit Card is one of the bank’s most popular credit cards. Not only does the offering charge no annual fee, but you’ll also get 15 months of interest-free purchases while earning an unlimited 1.5% cash back on those purchases. Cash back never expires, and you can redeem your rewards for a check or statement credit.

0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Excellent, Good

The Capital One® SavorOne® Cash Rewards Credit Card is a foodie’s best friend. Whether you eat at home or at your favorite restaurant, you’ll earn 3% cash back on dining and entertainment and 2% on grocery store purchases. All other purchases earn a flat and unlimited 1% cash back. All the while, new cardholders also receive a 15-month, 0% introductory period. Bon Appetit.

CITI® RATING
★★★★★
4.6
OVERALL RATING
0.0/5.0
  • Earn 15,000 bonus points after you spend $1,000 on  net new purchases with your card in the first 3 months of account opening
  • Enjoy 0% Intro APR on purchases and balance transfers for 15 months; balance transfers must be made within 4 months of account opening
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • Earn 2X Points at Supermarkets and Gas Stations
  • Earn 1X Points on all other purchases
  • Round-up to the nearest 10X points on every purchase
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Good/Excellent

New Citi Rewards+℠ Card members start with a 12-month, 0% APR period in which they can also accrue 2X points on supermarket and gas station purchases and 1X points on all other purchases. You can also apply your introductory APR to balance transfers made within the first four months of opening your account.

Longest 0% APR on New Purchases without Rewards

Credit card issuers can’t give everything away for free. Oftentimes, banks shorten introductory APR periods to make up for the rewards they offer on their cards.

If you’re willing to forego the rewards, you can buy even more time to knock your debt out.

6. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card offers one of the longest introductory periods in the credit card space — 18 months with no interest charges on new purchases or balance transfers. And since you won’t pay an annual fee, you can essentially access free credit for a year and a half.

U.S. Bank Visa® Platinum Card

  • 0% APR for 18 months on new purchases and balance transfers
  • Free TransUnion® credit score updates
  • Choose your payment date
  • No annual fee

You must initiate your balance transfer within 60 days after opening your account to take advantage of the introductory period. After that, your transfers will immediately begin accruing interest at an APR that is based on your credit history.

7. Wells Fargo Platinum

The Wells Fargo Platinum Card lets you pay down existing debt on high-interest credit cards by offering an 18-month introductory period without interest charges. The card never applies an annual fee and includes balance transfers made within your first 120 days with the card on the intro offer.

Wells Fargo Platinum Visa card

  • 0% APR for 18 months on new purchases and balance transfers
  • Free access to your FICO® Credit Score
  • Zero Liability and cellphone protection
  • No annual fee

Cardholders can also access the free Wells Fargo Online® desktop interface or mobile application. There, they can view their account information and also receive regular updates on any changes to their FICO® credit score.

8. HSBC Gold Mastercard®

The HSBC Gold Mastercard® credit card offers multiple travel perks on top of its already stellar 18-month interest-free introductory period. MasterRental™ Coverage protects rental vehicles charged to your card. Zero foreign transaction fees mean you can use your card abroad without paying for the privilege. And the Mastercard Airport Concierge™ offers savings on airport transportation around the world.

HSBC Gold Mastercard® credit card

  • 0% APR for 18 months on new purchases and balance transfers
  • No foreign transaction fees
  • Access to Mastercard Airport Concierge™
  • No annual fee

Another perk of this card is that you won’t pay an annual fee for the benefits you’ll receive as a cardholder. That means you can charge your next big business trip and travel with the peace of mind that you won’t get stuck with heavy finance charges later.

Longest 0% APR Offers on Balance Transfers

If you currently carry debt on a high-interest credit card, you may find yourself spending most of your monthly payment on finance charges. That’s not a great way to pay down your balance and become debt-free.

But with a good balance transfer card, you can knock your principal down faster and get a little closer each month to eliminating your debt. Some banks offset their introductory periods and rewards by tacking on a balance transfer fee, usually 3% to 5% of the amount of debt you’re moving over to the card.

While these charges aren’t optimal, they’re often far less than the amount of interest you’d pay by keeping the debt on your existing high-interest credit card.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent

The Discover it® Balance Transfer card offers 18 months without interest on balance transfers and six months without fees for new purchases. The card also features a balance transfer promotion that charges 3% of your total transferred debt if you initiate the transfer within three months of opening the card. After that, Discover charges 5% on all balance transfers.

CITI® RATING

★★★★★
4.7

OVERALL RATING

0.0/5.0
  • No late fees, No penalty rate, and No annual fee... EVER.
  • 0% Intro APR on Balance Transfers for the first 21 months (transfers must be made in the first 4 months)
  • 0% Intro APR on new purchases for the first 12 months
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 21 months
16.99% - 26.99% (Variable)
$0
Excellent/Good

The Citi Simplicity® Card offers the longest 0% APR period in the credit card space — 21 months on all transfers made within four months of opening your card. You will have to pay at least $5, or 5% of your total transferred balance, to initiate the transfer. But if you need time to pay off your debt, the fee may be worth the 21 months in interest freedom.

CITI® RATING

★★★★★
4.8

OVERALL RATING

0.0/5.0
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
  • Receive 0% for 18 months on balance transfers made within 4 months of account opening
  • Balance Transfers do not earn cash back; transfer fee applies
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
  • No categories to track and no caps on cash back
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
15.74% - 25.74% (variable)
$0
Excellent/Good

The Citi® Double Cash Card charges either $5 or 3% of the amount of each transfer, whichever is greater. But for that fee, you’ll get 18 months without interest as well as a two-tiered cash back system that pays up to 2% on every purchase. You start by earning 1% when you buy and then you earn another 1% as you pay for your purchases.

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

The Chase Freedom Unlimited® card technically charges a balance transfer fee, but there’s a way around it. Chase waves the fee if you initiate your balance transfer within 60 days of opening your card. You’ll still get access to 15 months without interest as well as an unlimited 1.5% cash back on every purchase you make.

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Excellent, Good

The Capital One® Quicksilver® Cash Rewards Credit Card charges a flat 3% fee on balance transfers conducted at any time you have the card. But if you move those balances as a new cardholder, you can pay them down for 15 months without accruing interest or other finance charges.

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

Chase Freedom® offers new cardholders a 3% introductory balance transfer fee when they transfer a balance during their first 60 days with the card. The minimum balance transfer is $5 and all moved debt will earn 15 months with 0% APR.

0% BALANCE TRANSFER RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Excellent, Good

The Capital One® SavorOne® Cash Rewards Credit Card charges a flat 3% fee on all balance transfers. New cardholders will receive a 15-month, 0% APR introductory period while still earning 3% cash back on dining and entertainment and 2% on grocery store purchases. All other purchases earn a flat and unlimited 1% cash back.

Which Credit Card has the Longest Interest-Free Period?

Citi is well known in the credit card space as an issuer that emphasizes savings over rewards. While the bank’s ThankYou Rewards program gives cardholders extra incentive to swipe their cards at the register, the real bonus with most Citi cards is their introductory offers.

Citi Simplicity® Card

The Citi Simplicity® Card offers 21 months of interest-free purchases and balance transfers.

The Citi Simplicity® Card is the crown jewel of this collection if you’re looking to knock out pre-existing debt on a high-interest credit card. That’s because the card offers a whopping 21 months without interest on all balances transferred within your first four months with the card.

Just keep in mind that Citi charges a balance transfer fee of at least $5 — or 5% of your total transferred balance. If you have a lot of debt to carry over, that fee can add up quickly.

Alternatively, you can look at the Discover it® Balance Transfer card, which offers 18 months of interest-free balance transfers with just a 3% transfer fee. If you can afford to shave three months off your debt-repayment plan, you can save 2% on the transfer fee with this card.

If you’re drowning in finance charges on your current card or struggling to lower your principal because of heavy interest payments, these cards could be your saving grace. And neither charges an annual fee.

Both provide a great way to better yourself financially while limiting what you’ll have to pay to get on the road to recovery.

What is the Best 0% APR Credit Card?

The best introductory offer is one that offers a long period of interest-free financing without charging you annual fees or balance transfer fees along the way. After all, the point of taking advantage of a 0% APR introductory offer is to eliminate debt and not add more to it in the form of fees.

To truly maximize your interest-free period, you may have to forego cash back and other rewards. That’s because credit card issuers tend to shorten introductory offers on cards that offer rewards.

Our list above mentions several cards that could easily vie for the title of “best 0% APR credit card,” depending on your needs. Most don’t charge an annual fee, and many will net you as many as 18 months without interest charges.

Just remember that every card has different rules on how they treat balance transfers. Many issuers will include transfers from other credit cards on the interest-free period, but each bank requires you to initiate your transfer within a certain amount of time.

For example, the Discover it® Balance Transfer card allows three months for balance transfers at the 3% transfer rate, whereas the Chase Freedom cards only allow balance transfers to be made within 60 days of opening your account at the 3% rate. After which the rate will increase to 5%.

If you’re planning on using your introductory period to knock out pre-existing debt, make sure you know for certain how soon you have to initiate your balance transfer, and if your new bank will charge you a fee to move your debt over to the new card.

Does a 0% APR Affect Your Credit Score?

Taking advantage of an introductory 0% APR offer can help your credit score — if you stick to a budget and decrease your debt instead of adding to it. That’s because a good portion — 30% — of your FICO credit score focuses on how much debt you currently have.

FICO Credit Score Factors

When your debt lives on a high interest credit card, you dedicate a portion of your payment every month to interest and finance charges. That means it takes more time and money to eliminate that debt — which can slow your credit score growth.

But when you leverage an extended interest-free introductory period, all your payments go toward your current principal, which quickly lowers the amount of money you owe and increases your credit rating.

You also immediately affect your credit utilization rate, or ratio, when you add a new credit card to your wallet. Your utilization shows how much of your available credit is currently used. You can calculate your utilization by dividing your current balance by your overall credit limit.

For example, a card with a $1,000 credit limit and a $250 balance has a 25% utilization.

By opening a new credit card, you’re increasing your total available credit. As long as you don’t go charge-crazy on your new plastic, you’ll lower your credit utilization and could see an immediate increase in your credit score.

Lenders like to see low utilization. Banks see applicants who use too much of their credit, and then apply for new credit, as being over their head and perhaps desperate for more money. A high utilization rate can result in your application for a new card being declined even if you have a history of on-time payments.

Example of Balance Transfer Impact to Utilization Rate

As you continue to pay down your debt, you’ll see your utilization ratio continue to improve. The same benefits should apply to your credit rating.

Just be certain that you don’t fall into a common trap that many cardholders face with introductory APR offers. The lack of fees can increase the temptation to spend more. That can get very expensive if you don’t pay off your entire balance before the end of the introductory period — when the regular ongoing APR kicks in.

All Credit Cards Have an Interest-Free Grace Period

Thanks to the Federal Credit Card Accountability, Responsibility, and Disclosure Act of 2009 (CARD Act), credit card issuers must give you an interest-free grace period of at least 21 days from the date of purchase to pay your bill before you start accumulating finance charges.

So, every purchase you make using your credit card won’t accrue interest until 22 days after you complete the sale. If you pay it off before then, you’ll only pay the amount you charge to the card.

If you need more than 22 days to pay your bill, using one of the longest 0% APR credit card offers allows you to take advantage of the convenience credit cards provide without paying heavy finance charges.

When used responsibly, they can be a great way to eliminate debt and improve your credit score.