Pay 0 Interest Until 2021


Banks are now offering incredibly long periods of 0% Intro APR interest. If you’re carrying a balance on a high interest credit card or are looking to make a big purchase in the coming months, it’s time to switch cards and save money.

Our credit card experts hand selected the cards below because of their long 0% intro APR interest offers. These offers range from 12 months all the way up to 21 months 0% Intro APR!

Compare these cards and discover which one is best for you. 

Capital One® Quicksilver® Cash Rewards Credit Card

Get the best of both worlds with this generous card that offers long 0% intro interest on both purchases and balance transfers and rich cash back rewards. Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay down your balance with no interest charges piling up. Or, stop high interest charges with a balance transfer. This card comes with 0% intro on balance transfers for 15 months. The standout feature on this incredible low interest card are the rich cash back rewards. You will earn cash on everything you buy, everywhere. Enjoy a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Earn an impressive 1.5% cash back on every purchase, every day. Get all this for $0 annual fee.

Discover it® Balance Transfer

If you want to transfer high-interest debt, Discover designed this powerful card just for you. Get intro APR of 0% for 18 months on balance transfers, then 14.24% – 25.24% variable after that. Rich cash-back rewards make this $0 annual fee card stand out among long 0% intro APR offers. Pay for your everyday essentials like gas and groceries with this card and get 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases – automatically. This card also comes with a valuable sign up bonus. Discover will automatically match all the cash back you earn at the end of your first year.* Use the cash-back rewards to pay down your balance faster. You will get a break on interest on new purchases with an intro APR of 0% for 6 months then 14.24% – 25.24% variable. However, the real value is long 0% intro APR on balance transfers and generous cash-back on category spending.

BankAmericard® credit card

If you want a break on interest, check out this new and improved offer. Take advantage of ultra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Introductory APR on purchases for 18 billing cycles then 15.24% – 25.24% Variable APR. That means no monthly interest charges will pile up during the promo period. Stop paying high interest charges with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 15.24% – 25.24% Variable APR. That means your payments can go entirely toward reducing your debt for over a year. Regain control over your financial life and put time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. Get a better interest rate now with BankAmericard® credit card.

American Express Cash Magnet® Card – $150 Welcome Offer

The standout feature of this 0% intro APR card is the generous Welcome Offer. $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership Take advantage of lengthy 0% intro APR on purchases and a balance transfer while scooping up unlimited 1.5% cash back on your purchases with the American Express Cash Magnet® Card – $150 Welcome Offer. This fully loaded card comes with intro APR 0% on purchases for 15 months then 15.24%-26.24% variable. Transfer your balance and whittle away at debt faster with intro APR 0% on balance transfers for 15 months then 15.24%-26.24% variable. Every penny of your payment will trim your balance during the 0% intro interest period, with no monthly interest charges piling up. This card makes budgeting easy. The innovative repayment feature “Pay It Plan It™” allows you to pay for certain purchases of $100 or more in installments. You’ll appreciate the legendary American Express customer service and cardholder benefits which include extended warranty, car rental loss and damage insurance and purchase protection. Get all this for $0 annual fee.

Capital One® VentureOne® Rewards Credit Card

This is a top no-annual fee travel credit card that also gives you 0% intro on purchases for 12 months. If you have a big trip or purchase on the horizon, this means you can pay it off over a year without having to worry about interest charges piling up. Capital One offers one of the most generous rewards on hotel stays available. Earn an incredible unlimited 10x miles on thousands of hotels when you pay with your card at hotels.com/venture. Hotel rewards don’t get better than this. Earn travel rewards fast with this card in your wallet. Start out with a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel, while earning 1.25 miles per dollar on every purchase, every day. What’s best about this card? The miles you earn are good for any travel expense like airfare, hotel rooms, cruises and car rentals. Start earning unlimited miles on every purchase and enjoy 0% intro on purchases for 12 months now!

HSBC Gold Mastercard® credit card

Say goodbye to high interest charges during the lengthy 0% intro APR period with this streamlined, yet powerful card. Put time on your side with this card that offers an incredible intro APR 0% for 18 months on balance transfers. You could save hundreds of dollars in high interest fees when you transfer your balance to this card. Get flexibility on new purchases with intro APR 0% for 18 months. If you need a long period of time to chip away at your balance without monthly interest charges piling up, this card is an excellent choice. This card has no penalty APR and you will enjoy a late fee waiver. There is $0 annual fee and no foreign transaction fees.

Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer

Drive away with long intro interest on both purchases and balance transfers with the
Bank of America® Cash Rewards credit card in your wallet. This card offers a sparkling combination of long intro interest, a big cash sign-up bonus and generous cash-back on things you buy every day. Hit the brakes on high-interest charges now. You could save hundreds of dollars in interest with 0% Introductory APR on purchases for 12 billing cycles. Pay down debt faster with 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days. Then 16.24% – 26.24% Variable APR . Enjoy a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This groundbreaking offer lets you choose how you earn 3% cash back! Choose from gas, online shopping, dining, travel, drug stores and home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases. It’s hard to believe this fully loaded card comes with $0 annual fee.

Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer is prized by people who want to transfer high-interest debt. Citi offers you a lifeline with intro APR of 0% for 18 months on balance transfers*. You’ll appreciate the steady stream of cash-back that comes with every purchase, every day. Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases. There’s no categories to track, no caps on cash back and $0* annual fee. Pile your cash rewards onto your balance and say goodbye to your debt faster. Stop new high-interest charges from racking up with a balance transfer on this no hassle card. Don’t worry if your credit isn’t perfect. This card is aimed at people with excellent, good credit.

Citi Rewards+℠ Card

Earn more points on every purchase (even the little ones). The Citi Rewards+℠ Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long zero intro interest on both purchases and balance transfers, a nice sign-up bonus all with $0 annual fee. Cardholders rake in 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter., Plus, earn 1X Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Get 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Take advantage of intro APR 0% for 15 months on purchases then 15.74% – 25.74% (variable) and intro APR 0% for 15 months on balance transfers then 15.74% – 25.74% (variable). Our take? This is a great everyday rewards card.

Citi Simplicity® Card – No Late Fees Ever

Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with intro APR 0%* for 21 months on Balance Transfers*. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR 0%* for 12 months on Purchases*. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0* annual fee. If you’re one to forget about a payment or two, this card is perfect for you.

Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges! 

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.





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