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!
Bank of America® Cash Rewards credit card
Enjoy a year of 0% intro APR with the Bank of America® Cash Rewards credit card while you earn cash back for the things you buy most. This card offers 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days. Pay no annual fee with this card from Bank of America.
On top of the lengthy 0% interest rates, cardholders will enjoy one of the most flexible cash back rewards programs: Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on every purchase. To top it off, new cardholders 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.
Capital One VentureOne Rewards Credit Card
Sometimes you simply don't want to pay anymore fees on your credit card. If that sounds like you and you're looking for a travel rewards credit card, then the Capital One VentureOne Rewards Credit Card could be the perfect fit. This card comes with an APR of 0% intro on purchases for 12 months, no annual fee and a lucrative travel rewards program. Cardholders earn 1.25 miles per dollar on every purchase, every day. Whether you're spending on groceries or online shopping you'll earn the same generous rewards rate.
You also earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening! Where the Capital One VentureOne Rewards Credit Card really stands out is with how you can redeem your miles. This card offers unparalleled flexibility by allowing you to simply redeem miles as a statement credit towards travel purchases – that means any airline, any hotel, and even purchases like rental cars or vacation packages are typically included.
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.
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is a lucrative cash back card that also comes with a lengthy intro APR: 0% on purchases for 15 months. That can be a lifesaver if you need to make a big purchase and want to spread your payments out over time, interest free. New cardholders also earn a welcome offer of a 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
For everyday cash rewards you earn bonus cash back for the things you buy most: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases Finally, cardholders love that even with all these perks, this card comes with no annual fee.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card makes earning cash back easy with a generous unlimited 1.5% Cash Back on every purchase, every day and a one-time $200 Cash Back after you spend $500 on purchases within 3 months from account opening. This card can also help you avoid high interest rates with an APR of 0% intro on purchases for 15 months.
We love this card because it takes the hassle out of earning cash back – there are 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. 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. And to top it off, there is no annual fee.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is a top-tier rewards card specifically designed for consumers who spend a lot of money on groceries and gas purchases. 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.
In addition to the generous rewards rate, you can take advantage of a stellar Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Plus, there is a $0 introductory annual fee for one year, then $95. These two perks expire 12/10/20, so apply today! And to top it off, there is an intro APR of 0% on purchases for 12 months .