A Whole Lot of Nothing: Cards With Long 0% Intro APR Periods

Of all the perks you can get on a credit card, among the most valuable is, well, nothing: a 0% introductory rate.

Paul Soucy, Kenley YoungJune 11, 2020
Cards With Long APR Periods

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Of all the perks you can get on a credit card, among the most valuable is, well, nothing: a 0% interest rate on purchases, balance transfers or both. To attract consumers and turn them into loyal longtime customers, many card issuers offer introductory 0% APR periods of six to 12 months. But some go all out and give you even more time before interest starts accruing.

With a long introductory 0% APR period, you have plenty of time to pay off a major purchase interest-free. And by transferring high-interest credit card balances to a 0% card, you can whittle down what you owe quicker because your entire payment will go toward erasing debt rather than toward interest. Be aware, though, that most cards, but not all, charge a balance transfer fee of 3% to 5% of the amount transferred.

Ready to go long? Check out the 0% periods on these cards.

U.S. Bank Visa® Platinum Card

Introductory APR of 0% APR for 20 billing cycles on purchases and balance transfers, and then the ongoing APR of 13.99% - 23.99% Variable APR

The U.S. Bank Visa® Platinum Card offers a long 0% intro APR period on both purchases and balance transfers, earning it NerdWallet's 2019 award for best 0% intro APR card. The card doesn't offer rewards, but that's not your priority when attempting to pay down debt. And it's one of only a handful of cards that offer cell phone insurance, which can make it worth keeping around for the long haul. The annual fee is $0.

Citi Simplicity® Card - No Late Fees Ever

Introductory APR of 0% on Purchases for 12 months and 0% on Balance Transfers for 21 months, and then the ongoing APR of 14.74% - 24.74% Variable APR

The long 0% APR period for transfers might be enough to recommend the Citi Simplicity® Card - No Late Fees Ever, but this card offers even more. Although you should always make your payments on time, this card won't penalize you for the occasional slip-up. It charges no late fees and has no penalty APR. The annual fee is $0.

Citi® Diamond Preferred® Card

Introductory APR of 0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 14.74% - 24.74% Variable APR

This card's 0% intro APR period is similar to what's offered by its sister Citi card (above). The difference is that the Citi® Diamond Preferred® Card is much less forgiving, assessing fees and a penalty APR for paying late. For more information on how these cards differ, see our comparison story.

Discover it® Balance Transfer (No longer in market)

Introductory APR of 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR

Discover has two versions of its flagship card, including this one with an extra-long 0% period for balance transfers and a more abbreviated period for purchases. Unlike most balance-transfer cards, however, the Discover it® Balance Transfer (No longer in market) offers a great rewards program. The card earns 5% back in rotating quarterly categories on up to $1,500 in purchases each quarter (activation required). All other purchases earn 1% back. Past bonus categories have included things like restaurants, grocery stores, gas stations and more. (See our full review for current categories.) Plus, Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. The annual fee is $0.

Citi® Double Cash Card – 18 month BT offer

Introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR

The Citi® Double Cash Card – 18 month BT offer gets so much attention for its phenomenal rewards rate — 1% cash back on all purchases, plus another 1% back when you pay them off — that it's easy to overlook its great introductory 0% APR period for balance transfers. It's among NerdWallet's favorite flat-rate cash-back cards, and you can't beat the $0 annual fee.

BankAmericard® credit card

Introductory APR of 0% APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 14.49% - 24.49% Variable APR

The BankAmericard® credit card isn't sexy, nor is it trying to be. The appeal of this card is simplicity. You get a nice long 0% APR period for qualifying balance transfers and purchases for an annual fee of $0. The fee for balance transfers is 3% (minimum $10).

HSBC Gold Mastercard® credit card

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.99% - 22.99% will apply

The HSBC Gold Mastercard® credit card won't earn you rewards, but it does offer a lengthy 0% intro APR on both purchases and balance transfers, not to mention a couple of distinctive features. For instance, you get a one-time late fee waiver if you happen to forget a payment. The card also doesn't charge a penalty APR. The annual fee is $0.

Chase Freedom®

Introductory APR of 0% APR for 15 months on purchases and balance transfers, and then the ongoing APR of 16.49% - 25.24% Variable APR

A perennial pick among NerdWallet's favorite rewards cards, the Chase Freedom® gives you 5% cash back in categories that change every quarter (see them in our full review), and 1% on everything else. There's an easy-to-claim sign-up bonus, too: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. All that for an annual fee of $0.

» ALTERNATIVE: The Chase Freedom Unlimited® also has a $0 annual fee and offers a 0% APR period: 0% Intro APR for 15 months from account opening on purchases, and then the ongoing APR of 14.99% - 23.74% Variable APR. But its rewards structure is different. Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Having a long 0% APR period doesn't mean you can just forget about your credit card balance. If you fail to make your minimum payment, or if you pay late, your card issuer could cancel your 0% rate. And if you carry a balance past the end of the introductory period, interest could start stacking up fast. Used responsibly, however, a card with a long 0% introductory rate is a powerful ally in the fight against debt.

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