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%* intro APR for 20 billing cycles on purchases and balance transfers*, and then the ongoing APR of 14.49% - 24.49%* 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% intro APR 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.
Citi® Double Cash Card – 18 month BT offer
Introductory APR of 0% intro APR 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.
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 Flex℠
The Chase Freedom Flex℠ gives you 5% cash back on up to $1,500 in categories that change every quarter (see them in our full review), 5% cash back on travel purchases through Chase, 3% back at restaurants and drugstores, and 1% on all other non-bonus-category purchases. There's an easy-to-claim sign-up bonus, too: Earn a $200 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 on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR. But its rewards structure is different.
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.