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!
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 $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 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.
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!
Chase Freedom Unlimited®
Simplify your financial life with the Chase Freedom Unlimited® and enjoy a lengthy 0% Intro APR on Purchases for 15 months. True to its name, the Chase Freedom Unlimited® offers freedom from high interest rates with this attractive low interest offer and a very lucrative cash back program. No more worrying about annoying caps on how much cash back you can earn – cardholders receive a generous 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
To kickstart your savings, new cardholders earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.. With no annual fee, top-tier cash rewards, and a lengthy intro APR, the Chase Freedom Unlimited® is an excellent everyday credit card for your wallet.
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