In the United States, banks are now offering incredibly low interest for incredibly long periods of time.
Right now, they’re offering 0% intro APR for almost a full two years. (That’s like almost two years of free money.)
If you need to make a big purchase or if you carry a balance on a credit card with an interest rate higher than 0%, it’s time to switch cards and save.
Check out the best 0% Intro APR credit cards recommended by our experts below and see which one is best for you now.
American Express Cash Magnet® Card – $150 Welcome Offer
Keep more of your hard-earned money by getting out from under steep interest rates with the intro APR of N/A and 0% on purchases for 15 months offered with the American Express Cash Magnet® Card – $150 Welcome Offer. As you pay down your balance interest free during that intro period, you'll also enjoy unlimited 1.5% Cash Back on your purchases. Redeem the cash back you earn for everyday purchases as a statement credit and pay down your balance even quicker!
But it doesn't stop there, new cardholders kickstart their cash rewards and earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months. And did we mention that the American Express Cash Magnet® Card – $150 Welcome Offercomes with no annual fee? There's a lot to love with this powerful piece of plastic!
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express offers a nice 0% intro APR in addition to a stellar cash back program specifically designed for consumers who spend a lot of money on groceries and gas purchases. Enjoy a full year of no interest with 0% on purchases for 12 months . Kickstart your cash back earnings with a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months..
For ongoing rewards, cardholders receive 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. There is a $0 introductory annual fee for one year, then $95 associated with this card, but that's pretty easy to justify when you consider all the cash back it offers.