Long 0% APR Periods Are Returning. These Are the Cards with the Longest Interest-Free Offers Today

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When looking for a 0% APR credit card, the length of the introductory offer is one of the most important factors to consider. And after issuers pulled back the length of 0% APR offers during the pandemic, they’re making a resurgence.

Whether you’re looking for 0% APR on balance transfers to pay down existing debt, or you have a large upcoming purchase you want to pay off with 0% interest over time, these cards can make it easier to pay down your balance in full by the time the intro period ends. 

Pro Tip

If you’re looking for a 0% intro APR to make a large upcoming purchase, check to see if the card comes with any perks that can add even more value — like a cash welcome bonus or rewards points.

That’s because the longer the introductory offer, the more affordable your monthly payments will be. If you have $3,000 to pay off, for example, 18 monthly payments of $166 can often be much more manageable than 12 monthly payments of $250. Some offers on the market today even last up to 21 months — nearly two years interest-free. 

Just remember, you’ll still need a plan and budget to make the most of your card, no matter how long the intro period. Once your balance is paid, you can begin paying off new charges in full when your statement is due, without revolving a balance month-to-month. But if you have a remaining balance when the promotional offer ends, you’ll start to accrue interest at the card’s regular APR until it’s paid in full — which can add up quickly. 

Here’s more about how a long intro APR can help you meet your financial goals, and our favorite picks among the cards with the longest 0% APR intro offers on the market right now.

Credit Cards with the Longest Interest-Free Intro Period

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card
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Wells Fargo Reflect® Card
Editor’s Score: (4.2/5)
Apply Now externa link icon At Wells Fargo’s secure site. See Rates & Fees.
Wells Fargo Reflect® Card
Editor’s Score: (4.2/5)
  • Introductory balance transfer rate:
    0% intro APR for up to 21 months from account opening on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    15.24% – 27.24% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Long intro APR
  • No annual fee
  • Cell phone protection against damage or theft
Cons
  • No rewards
  • High APR after the introductory offer ends
  • Must meet requirements to get up to 21 months of 0% intro APR
The Bottom Line
The no annual fee Wells Fargo Reflect Card offers an initial 0% intro APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential for an intro APR extension for 3 months with on-time minimum payments during the introductory period. After that, there will be a variable APR of 15.24% to 27.24%. It’s light on added perks and has no rewards, but carries one of the longest 0% intro periods available today.

Additional Card Details

  • Get a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers — start with a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then unlock three additional months with on-time minimum payments during the 18-month offer, then a 15.24% to 27.24% variable APR thereafter
  • Cell phone protection against damage or theft worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Get access to My Wells Fargo Deals: earn cash back as an account credit when you shop, dine or enjoy an experience using your eligible Wells Fargo card
  • Roadside dispatch

The Wells Fargo Reflect® Card offers up to 21 months of 0% intro APR for purchases and qualifying balance transfers made within 120 days of account opening. You’ll start with an 18-month intro APR period, but you can unlock an additional three months if you make all of your minimum payments on time during the intro period (for a total 21 months). After the introductory period ends, there’s a variable APR of 15.24% to 27.24%. 

U.S. Bank Visa Platinum Card 

U.S. Bank Visa® Platinum Card
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U.S. Bank Visa® Platinum Card
Editor’s Score: (4.1/5)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
U.S. Bank Visa® Platinum Card
Editor’s Score: (4.1/5)
  • Introductory balance transfer rate:
    0% for 20 billing cycles on balance transfers
  • Annual fee:
    $0
  • Regular APR:
    16.74% – 26.74% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Long 0% interest intro offer for purchases and balance transfers
  • No annual fee
  • No penalty APR
Cons
  • Fees for late or returned payment
  • 3% balance transfer fee ($5 minimum) applies
  • No rewards structure
The Bottom Line
U.S. Bank Visa Platinum is a solid option for a 0% interest intro offer on new purchases as well as balance transfers, and it’s easy to see why: its 20-billing-cycle intro period (16.74% – 26.74% variable APR thereafter) is among the longest available. You won’t earn any ongoing rewards, but for debt payoff or forgoing interest on new purchases, this card is a great choice.

Additional Card Details

  • 0% introductory APR for 20 billing cycles on new purchases
  • 0% introductory APR for 20 billing cycles on balance transfers posted to your account within 60 days of account opening
  • Balance transfer fee of $5 or 3% of balance, whichever is greater
  • No penalty APR
  • Cellphone protection for damage or theft up to $600 for up to two claims per year with a $25 deductible.

The U.S. Bank Visa Platinum card has an intro period of  20 billing cycles, with 0% APR on purchases and balance transfers made within 60 days of account opening. There’s a variable APR of 16.74% – 26.74% thereafter. 

Citi Simplicity® Card 

Citi Simplicity® Card
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Citi Simplicity® Card
Editor’s Score: (4.0/5)
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Citi Simplicity® Card
Editor’s Score: (4.0/5)
  • Introductory balance transfer rate:
    0% for 21 months on Balance Transfers
  • Annual fee:
    $0
  • Regular APR:
    16.99% – 26.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • 0% Intro APR for 21 months for balance transfers and 12 months for purchases (then variable APR 16.99% to 26.99%)
  • No annual fee
  • No late payment fees or penalty APR
Cons
  • No rewards
  • No welcome offer
  • 5% balance transfer fee ($5 minimum)
The Bottom Line
The Citi Simplicity Card has one of the longest 0% introductory periods available for balance transfers, at 21 months from the date of your first transfer. For purchases, cardholders can benefit from 12 months of 0% interest, making this a great card option for consolidating debt or financing planned major expenses (16.99% – 26.99% variable APR thereafter).

Additional Card Details

  • Balance transfers must be completed within 4 months of account opening
  • Includes Citi Identity Theft Solutions protection
  • Choose your payment due date
  • Digital wallet compatible

Unlike many cards with 0% APR on both new purchases and balance transfers, the Citi Simplicity® Card offers different intro periods depending on the type of intro period you choose. It has a 12 month introductory 0% APR for purchases, and 21 months for balance transfers made within four months of account opening. There’s a variable APR of 16.99% – 26.99% after that.

Bank Americard® Credit Card

BankAmericard® credit card
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BankAmericard® credit card
Editor’s Score: (3.9/5)
Learn more externa link icon At our partner’s secure site.
BankAmericard® credit card
Editor’s Score: (3.9/5)
  • Introductory balance transfer rate:
    0% Intro APR for 21 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
  • Annual fee:
    $0
  • Regular APR:
    14.24% – 24.24% Variable APR on purchases and balance transfers
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Lengthy 0% APR offer for purchases and balance transfers
  • No annual fee
Cons
  • No ongoing rewards or benefits
  • 3% balance transfer fee (minimum $10)
  • 3% foreign transaction fees
The Bottom Line
The BankAmericard credit card* is a simple 0% interest card best suited for anyone looking to consolidate high-interest credit card debt from other cards or pay off an upcoming purchase over time. It doesn’t offer any rewards, but you can pay down your debt interest-free with one of the longest 0% introductory offers on the market.

Additional Card Details

  • Introductory 0% APR on purchases for 21 billing cycles, as well as on balance transfers made within 60 days of account opening (14.24% – 24.24% variable APR thereafter)
  • 3% balance transfer fee (minimum $10)
  • FICO Score for free, updated monthly

The BankAmericard® Credit Card offers interest-free payments for 21 billing cycles for purchases and balance transfers made within the first 60 days. After the introductory period ends, there’s a variable APR of 14.24% – 24.24%.

Chase Freedom Flex℠ Card

Chase Freedom Flex℠
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Chase Freedom Flex℠
Editor’s Score: (4.7/5)
Apply Now externa link icon At Chase’s secure site.
Chase Freedom Flex℠
Editor’s Score: (4.7/5)
  • Introductory balance transfer rate:
    0% Intro APR on Balance Transfers for 15 months
  • Annual fee:
    $0
  • Regular APR:
    17.24% – 25.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. Unlimited 1% cash back on all other purchases.

NextAdvisor’s Take

Pros
  • Extensive tiered rewards structure
  • Rotating bonus rewards categories every quarter
  • Valuable welcome bonus offer
  • 0% introductory APR for purchases and balance transfers
  • No annual fee
Cons
  • High ongoing APR after intro period
  • Rotating quarterly bonus categories capped after $1,500 in spending
  • Keeping track of rewards categories may be more complex than some other cash back cards
The Bottom Line
The Chase Freedom Flex card offers cash back rewards in rotating rewards categories that will let you save where you spend the most. Plus, you’ll earn rewards in ongoing bonus categories year-round.

Additional Card Details

  • 0% introductory APR for 15 months from account opening on purchases and balance transfers (17.24% – 25.99% variable APR thereafter) ; intro balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
  • 5% cash back on qualifying Lyft rides through March 2025
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Cell phone protection
  • Free credit score and monitoring
  • Access to Chase Offers savings

The Chase Freedom Flex℠ Card is a cash back card with a good interest-free period. You’ll get a 15-month 0% APR on purchases and on balance transfers made within the first 60 days of account opening. After the interest-free period ends, you can expect a variable APR of 17.24% – 25.99%. 

Even after the intro period, this card offers rotating cash back rewards and cash back in ongoing bonus categories. Plus, you can score a $200 welcome bonus after you spend $500 within the first three months, if you plan to use the card for a big purchase to take advantage of the promotional offer. 

What Is an Introductory Interest-Free Period?

When you open a card with an introductory interest-free period, or 0% APR period, you can pay down your principal balance without accruing additional interest. The intro periods vary depending on the card and issuer, but some current offers last up to 21 months. 

Your 0% APR card’s terms can also vary based on whether you’re using the offer to make a new purchase or a balance transfer. The 0% APR period for purchases may be different from balance transfers, even on the same card. For instance, the Citi Simplicity Card has a 12-month interest-free period for new purchases, but 21 months for balance transfers (variable APR of 16.99% – 26.99% thereafter)

Both types of 0% APR can help you save on interest for several months after account opening, but it’s important to know what type of offer you’re looking for so you can plan your budget and payoff plan accordingly. 

If you have a remaining balance when your intro period ends, you’ll begin to accrue interest at the card’s regular APR. The ongoing, regular APR is the interest rate on any balances not paid in full when your bill is due each month. Over time, if you don’t pay your balances off, it’s easy to accrue hundreds of dollars in interest charges. 

That’s why it’s important to pay your balance in full and on time every month. Not only can you avoid high-interest debt, but you’ll establish the good credit habits to have a strong credit score and credit utilization ratio

Why Choose a Card with a Long Intro Period

Think of a 0% intro APR offer as a grace period to pay off your principal debt balance (either a transferred balance or new purchase cost) without taking on costly interest charges. The longer the intro period, the longer you’ll have to eliminate the balance in full, even with lower monthly payments. Here are a couple examples:

Let’s say you have $3,600 on a credit card with an 18% interest rate. If you transfer this balance to a card with an 21 month 0% intro APR on balance transfers with a 3% balance transfer fee, you can pay off that total $3,708 full during the promotional period with payments of $176 per month. If you chose a card with the same fee but only a 12 month intro period, you’d need to pay $309 each month to pay your debt in full within the intro period.

Or maybe you have plans to renovate your patio, which will cost $2,500. If you choose a card with a 21-month introductory period on new purchases, you can make monthly payments of $119to pay the balance in full without interest. You won’t pay any additional price, but you can also avoid having to pay the full cost upfront. Just keep in mind that if you don’t pay your balance in full before the introductory period ends, you’ll pay interest on the remaining balance. 

When to Consider a Shorter Intro Period

There are also cases in which the tradeoff of a shorter 0% APR period may be worth the other benefits a card has to offer, especially if you can pay it off within the shorter time frame and want to use the card’s benefits after the intro offer ends.

Depending on your budget, you may not need a card with 21 months of 0% APR to pay down the cost of an upcoming DIY project. Instead, maybe you can put enough toward the cost to pay it off within 15 months, and you’re willing to sacrifice that extra time — and lower monthly payments — for a welcome bonus or cash back on the purchase. 

For instance, the Chase Freedom Flex has a 15 month interest-free period (17.24% – 25.99% variable APR thereafter), which is shorter than some other options on the list above. But it also has a $200 welcome bonus after you spend $500 within the first three months, and ongoing cash back rewards in everyday bonus categories. 

Before you apply for any new 0% APR card, compare different options using your budget and long-term goals to make sure you find the combination of interest-free intro period, rewards, and benefits that’s right for you.

*All information about the BankAmericard credit card has been collected independently by NextAdvisor and has not been reviewed by the issuer.