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Pay 0% Interest Until 2024

Stop paying interest for nearly two years with super long 0% Intro APR cards.

Wise Bread Staff, Updated on August 01, 2022 8/01/22

Many big banks are offering 0% intro APR for as long as 15-21 months. That’s almost two years of paying no interest on purchases or balance transfers.

These cards are perfect for a big ticket purchase and getting more out of your back to school and holiday shopping. Some of these even offer 0% on balance transfers during the intro period.

We looked at dozens of cards before coming up with this top selection. These cards all have $0 annual fee, ultra long 0% Intro APR, and rich rewards. You’ll be pleased with extras like sign-up cash bonuses up to $200, high ongoing cash back rewards, and surprisingly low interest rates after the intro offer expires.

BankAmericard® credit card

BankAmericard® credit card

$100 BONUS
$100 BONUS
Apply Now

at Bank of America's secure site

This card boasts one of the longest 0% Intro APR on this list, at 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Apply Now
at Bank of America's secure site
  • Intro Purchase APR

    0% Intro APR for 18 billing cycles for purchases

  • Intro BT APR

    0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

  • Regular APR

    15.24% - 25.24% (Variable)

Product Details

  • Click APPLY NOW to apply online
  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Apply Now

at Bank of America's secure site

Call to Apply

with a Bank of America representative

This card offers a 0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days. A 3% fee (min $10) applies to all balance transfers. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. In addition, this card offers:

  • $200 online cash rewards bonus after $1,000 spend in the first 90 days of account opening
  • 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • No annual fee
Apply Now
at Bank of America's secure site
Call to Apply
with a Bank of America representative
  • Intro Purchase APR

    0% Intro APR for 15 billing cycles for purchases

  • Intro BT APR

    0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • Regular APR

    16.24% - 26.24% (Variable)

Product Details

  • Click APPLY NOW to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card Rates & Fees

Apply Now

at Wells Fargo's secure site

This card offers 0% Intro APR for up to 21 months from account opening on purchases and qualifying balance transfers. This is the longest 0% APR deal we've seen.

New accounts start with an intro period of 18 months 0% Intro APR with an extension of up to 3 months (for a total of up to 21 months of 0% Intro APR) when on time minimum payments are made during the introductory and extension periods.

  • 15.24% - 27.24% variable APR applies after the 0% intro APR and extension period ends.
  • Up to $600 protection for your cell phone if monthly bill paid with this card ($25 deductible).
  • "My Wells Fargo Deals": An easy way to earn additional cash back (as statement credit) while you shop, dine, or enjoy an experience simply by using this card.
  • $0 Annual Fee.
  • Intro Purchase APR

    0% intro APR up to 21 months from account opening

  • Intro BT APR

    0% intro APR up to 21 months from account opening on qualifying balance transfers

  • Regular APR

    15.24% - 27.24% variable APR

Product Details

  • Select APPLY NOW to apply online
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants
  • Select “Apply Now” to learn more about the product features, terms and conditions

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card Rates & Fees

Apply Now

at Wells Fargo's secure site

This is our favorite combo of one of the highest flat cash rewards rate, generous signup bonus, and no interest until 2023.

  • Earn unlimited 2% cash rewards on purchases. This no-hassle flat rate deal is one of the best we’ve seen in years.
  • $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months.
  • 0% intro APR for 15 months from account opening on both purchases and qualifying balance transfers, then 17.24%, 22.24%, or 27.24% variable APR after.
  • Up to $600 protection for your cell phone if monthly bill paid with this card ($25 deductible).
  • "My Wells Fargo Deals": An easy way to earn additional cash back (as statement credit) while you shop, dine, or enjoy an experience simply by using this card.
  • $0 Annual Fee.
  • Intro Purchase APR

    0% intro APR for 15 months from account opening

  • Intro BT APR

    0% intro APR for 15 months from account opening on qualifying balance transfers

  • Regular APR

    17.24%, 22.24%, or 27.24% variable APR

Product Details

  • Select APPLY NOW to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Discover it® Balance Transfer

Discover it® Balance Transfer Rates & Fees

Get a 0% intro APR for 6 months on purchases and a 0% intro APR for 18 months on balance transfers. Then 13.49%-24.49% variable APR applies. A 3% intro balance transfer fee, up to 5% fee on future balance transfers will apply. 

This card gives you access to Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year. Every quarter, you can earn 5% cash back on everyday purchases at places like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Automatically earn unlimited 1% cash back on all other purchases. Every $1 you earn in cash back is $1 you can redeem. Your rewards will never expire! 

  • Intro Purchase APR

    0% Intro APR on purchases for 6 months

  • Intro BT APR

    0% Intro APR on balance transfers for 18 months

  • Regular APR

    13.49% - 24.49% Variable APR

Product Details

  • Click APPLY NOW to apply online
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
  • Intro Purchase APR

    0% Intro APR for 18 billing cycles for purchases

  • Intro BT APR

    0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

  • Regular APR

    15.24% - 25.24% (Variable)

Product Details

  • Click APPLY NOW to apply online
  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.