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 up to 18 months. (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.
Citi® Diamond Preferred® Card
With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a top choice for anyone looking save money with a balance transfer. This market-leading offer comes with an intro APR of 0% for 18 months on Balance Transfers. There is also no annual fee and an intro APR of 0% for 18 months on Purchases.
That means you have almost two years to pay down your balance totally interest free. If you currently have a large balance on a credit card that is charging steep interest rates, the Citi® Diamond Preferred® Card could be the perfect card to help you finally escape those pesky interest charges. Apply today and enjoy a lengthy intro APR of 0% for 18 months on Balance Transfers!
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is the only cash back card with an intro APR of 0% for 18 months on Balance Transfers AND it's the only card that allows you to earn cash back twice.
Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no limits to how much cash back you can earn and your cash back won't expire. With these great perks, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind.
This card is perfect option for any consumers who don't want to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. And with the top-tier intro APR on balance transfers you could save hundreds of dollars by escaping those pesky interest charges on your current credit card.
American Express Cash Magnet® Card – $150 Welcome Offer
Keep more of your hard-earned money and enjoy a low interest rate with the intro APR of 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!
Citi Rewards+℠ Card
For an extra long intro APR on purchases AND balance transfers, the Citi Rewards+℠ Card is a top choice. This card comes with 0% for 15 months on purchases and balance transfers, and cardholders pay no annual fee. That lengthy intro period could provide the breathing room you need if you're paying a high intererst rate on another credit card or if you need to finance a big purchase and want to spread the payments out over time.
What really makes the Citi Rewards+℠ Card stand out is the stellar rewards program – Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is also a sizeable sign up bonus so you can kickstart your rewards. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening. With low interest rates, generous rewards, and no annual fee, the Citi Rewards+℠ Card has it all!
Capital One® Quicksilver® Cash Rewards Credit Card
The Capital One® Quicksilver® Cash Rewards Credit Card can help you escape high interest rates with an APR of 0% intro on purchases for 15 months. Plus, you earn cash back rewards on new purchases at the same time. With the lucrative combo of 0% intro APR and cash back rewards on purchases, this card might be the perfect fit to help you save big.
For cash back rewards, this card offers a generous unlimited 1.5% Cash Back on every purchase, every day and a one-time $150 Cash Back after you spend $500 on purchases within 3 months from account opening. You can use that cash back to redeem as a statement credit which will help you pay down your balance even faster! To top it off, this card comes with no annual fee.
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