We looked through our database of over 250 credit cards to find the top offers with 0% interest introductory periods. These credit cards can help you with APR charges, whether you are looking to save on future purchases on want help paying down existing debt.
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Citi Simplicity® Card - No Late Fees Ever: Longest 0% APR on Purchases
The Citi Simplicity® Card - No Late Fees Ever has one of the longest introductory 0% interest periods we’ve come across – 21 months. As long as you don’t miss your payments and become delinquent, you can carry a balance without additional interest charges for close to two years. Furthermore, you also get 21 months of 0% APR on balance transfers completed within four months from the date of account opening. This can help you pay down any existing debts that you may be carrying on other credit cards. However, be aware of the fee for such transactions. Balance transfers on the Citi Simplicity® Card - No Late Fees Ever cost either $5 or 3% of the amount of each transfer, whichever is greater.
One important thing to note is that the Citi Simplicity® Card - No Late Fees Ever is one of the few credit cards that doesn’t come with any late fees. Therefore, if you miss a payment one time, you won't be hit with a $35 fee as you would on most other cards. Don't get used to this, however. Missing multiple payments in a row can have other consequences, such as bad marks on your credit score.
- 0% interest on purchases and balance transfers for 21 months
- No annual fee
- No late fees
Sphere Credit Card: Longest 0% APR on Balance Transfers
After looking through hundreds of 0% interest credit cards, we haven’t found any with a longer zero APR period on balance transfers than the Sphere® Credit Card. The card offers 24 months of no interest on balances you transfer to it within the first 90 days. That’s 2 years of avoiding APR charges that buys you time to pay down your principal debt.
If you get this card, avoid being late on any of your payments at all costs. The penalty APR on the Sphere® Credit Card is one of the highest we've seen. If you miss payments, you can quickly go from paying 0% interest to 30.24%.
- 24 months of 0% introductory APR on balance transfers made within the first 90 days
- 12 months of 0% APR on purchases
- High penalty APR of 30.24%
Chase Slate®: Best Combo of 0% Intro APR on Purchases & Balance Transfers
The Chase Slate® is one of the few credit cards to waive the balance transfer fee as an introductory offer. So long as you move your balance over within 60 days of account opening, you get to skip the standard 5% transfer fee that normally comes on the card. The Chase Slate® also offers cardholders 0% APR on balance transfers for 15 months. If this is enough time for you to pay down your existing debt, we highly recommend this over other offers with longer 0% interest periods.
The ongoing interest rate on the Chase Slate® is 16.24% - 24.99% (variable). This is quite a large spread. Your creditworthiness will determine your final APR. Therefore, if you have poor to average credit, your interest rate after the promo period ends can be quite high.
- 0% intro APR for 15 months on purchases and balance transfers from account opening
- Free monthly credit score
- No annual fee
Chase Freedom®: Introductory Zero Percent APR on Balance Transfers + Rewards
The Chase Freedom® offers a mix of fantastic rewards and a good introductory 0% interest period. Cardholders get 0% APR on purchases and balance transfers for the first 15 billing cycles. That is on-par with the Chase Slate® we discussed above. However, unlike that card, the Chase Freedom® doesn’t give you the chance to waive the transfer fee. Therefore, from a pure interest-saving standpoint, the Chase Freedom® is slightly worse than the Chase Slate®.
The Chase Freedom® makes up for that deficit with a strong rewards program. Cardholders get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. This makes the Chase Freedom® one of the best cash back credit cards around. Once you get your debt under control, this can be a good way to throw additional savings your way.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
- 0% interest on purchases and balance transfers for the first 15 billing cycles
- No annual fee
Discover it® - 18 Month Balance Transfer Offer: 18 Month Zero Percent APR on Balance Transfers
The Discover it® - 18 Month Balance Transfer Offer is another great rewards card that offers great 0% interest terms on balance transfers. Cardholders get 0% Intro APR for six months on purchases and 18 months on balance transfers. While the purchase APR is sub-par, the balance transfer offer is better than most credit cards out there.
As we mentioned, the Discover it® - 18 Month Balance Transfer Offer is also an excellent rewards card. Like the Chase Freedom®, it gives users 5% cash back on categories that rotate throughout the year, up to a quarterly maximum of $1,500 when you sign up. Discover also matches all cash back at the end of the first year for new cardmembers. That means the rewards rate on this card can be at least 2% during those first 12 billing cycles. That makes it one of the best overall credit cards.
- 0% Intro APR for 18 months on balance transfers
- Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year. Only for new cardmembers.
- 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum when you sign up
Summary of the Best Credit Cards with Introductory 0% Interest Periods
In case you want a quick breakdown of our analysis the table below gives you a quick overview of the top credit cards with zero interest offers, and what makes each stand out.
|Best For...||Name||0% Interest Period Lasts...|
|0% APR on Purchases||Citi Simplicity® Card - No Late Fees Ever||21 months on purchases and balance transfers|
|0% APR on Balance Transfers||Sphere® Credit Card||24 months on balance transfers|
|0& Interest on Purchase & Balance Transfers||Chase Slate®||15 months on purchases and balance transfers from account opening|
|0% Interest on Purchases & Rewards||Chase Freedom®||15 months on purchases and balance transfers from account opening|
|0% Interest on Balance Transfers & Rewards||Discover it® - 18 Month Balance Transfer Offer||18 months on balance transfers and 6 months on purchases|
Note on Searching For Zero Percent Credit Cards with Bad Credit
Be wary of any offers that advertise 0% interest to those with bad credit. Most issuers will not provide such offers to those with credit scores below 600. Typically, issuers make their money in one of two ways – fees collected from merchants who accept cards and interest charges. People with low credit typically spend less than those with higher FICO scores. Therefore, an issuer is unlikely to make a profit by extending zero-interest credit to a demographic that tends to make smaller purchases.
If you come across such an offer, carefully read through the terms & conditions. You should look for any other fees the card may charge you. Banks are legally obligated to list all fees before you apply for the card. You may think you’re getting a good deal by getting 0% introductory APR on a particular card, but you may be hit by other charges instead.
Comments and Questions
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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.