A Dynamic List of the Longest 0% APR Credit Cards Currently Available

zero

Credit cards offer a variety of benefits. Sometimes you might be interested in the best sign-up bonus, while other times you might seek out the lowest interest rate possible to offset some large purchases.

Clearly the lowest interest rate available is zero, and credit card issuers are more than happy to offer you this rate on a temporary basis, typically for the first 12 or 18 months as a new cardmember. Then it shoots up to the standard rate, which is always markedly higher.

It’s important to note that these 0% introductory APR periods can range from as little as six months to 24 months or longer, so it’s prudent to check out all available offers to maximize the opportunity.

Note that this list is dynamic and will change as availability changes. Credit card offers certainly come and go frequently so be sure to perform a thorough search both here and elsewhere to ensure you don’t miss a better offer.

We will do our best to keep this list updated frequently so that the very best (and longest) 0% APR offers can always be found here.

Also, note that credit card issuers may distinguish 0% APR between purchases and balance transfers. Some offer 0% APR for both transactions, while others may limit it to just one of the two, such as a 0% APR balance transfer.

Depending on what you need, that will be specified below for your convenience.

The Longest 0% APR Credit Cards

Santander Bank Sphere Card – 0% APR on balance transfers for 24 months, 0% APR on purchases for 12 months

Citi Diamond Preferred Card – 0% APR on balance transfers and purchases for 21 months

Citi Simplicity Card – 0% APR on balance transfers and purchases for 21 months

Discover it Card – 0% APR on balance transfers for 21 months, 0% APR on purchases for 6 months (NEW!)

BankAmericard Credit Card – 0% APR on balance transfers and purchases for 18 months

Citi Double Cash Card – 0% APR on balance transfers for 18 months, no intro APR for purchases

Chase Slate – 0% APR on balance transfers and purchases for 15 months (no balance transfer fee!)

BB&T Bright Card – 0% APR on balance transfers and purchases for 15 months

Chase Freedom – 0% APR on balance transfers and purchases for 15 months

Chase Freedom Unlimited – 0% APR on balance transfers and purchases for 15 months

PNC Core Visa – 0% APR on balance transfers and purchases for 15 months

SunTrust Cash Rewards Credit Card – 0% APR on balance transfers and purchases for 15 months

U.S. Bank Visa Platinum Card – 0% APR on balance transfers and purchases for 15 months

Wells Fargo Platinum Visa – 0% APR on balance transfers and purchases for 15 months

Wells Fargo Propel Amex – 0% APR on balance transfers and purchases for 15 months

Barclaycard CashForward World Mastercard – 0% APR on balance transfers for 15 months, no intro APR on purchases

Upromise MasterCard – 0% APR on balance transfers for 15 months, no intro APR on purchases

Discover it Chrome – 0% APR on balance transfers and purchases for 14 months

NHL Discover it Card – 0% APR on balance transfers and purchases for 14 months

Discover it Miles – 0% APR on purchases for 14 months, no intro APR on balance transfers

These are the standouts (based on length of intro APR) among the 0% APR credit cards you can currently apply for.

*None of these credit cards charge an annual fee, which is another plus.

However, all of them charge a balance transfer fee except for the Chase Slate card, so if you’re looking for a no fee balance transfer, Slate is probably your card of choice.

Note that there are countless other credit card offers that come with 0% APR for 12 months or less, so they are not listed above. In short, they aren’t noteworthy so they aren’t included in the “best of” list above.

Most card issuers offer 0% APR for 12 months by default, so it will never be listed here unless it comes with some other special bonus or a lack of a balance transfer fee.

As previously mentioned, be sure to check the terms of each card carefully as they can and will change over time. Additionally, be sure to differentiate between purchase APR and balance transfer APR. Sometimes it’s the same and sometimes it’s not.

Pro tip: Don’t use the same credit card to transfer a balance and to make new purchases. It could get messy if the APRs are different. Generally, it’s best to reserve one credit card for balance transfers and another for new purchases to keep them separate and more easy to track.

Leave a Reply

Your email address will not be published.