Pay 0% Interest Until Nearly 2021

Stop paying interest for nearly 2 years with these super long 0% APR balance transfer cards.

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Cards to Consider

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Greg Go, Updated on September 17, 2019

Many big banks are offering 0% intro APR for as long as 15 to 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, paying down a high interest balance, or getting more out of your back to school and holiday shopping.

Our experts reviewed over dozens of cashback cards before coming up with this top seven selection. These cards all have $0 annual fee, ultra long 0% 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.

Discover it® Cash Back

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Earn up to 10% cashback your first year with Discover It — rated Top Card for Customer Satisfaction by JD Power. It’s a great fit for anyone who wants 0% introductory APR and substantial cash back rewards. You don’t need stellar credit. An average credit bureau score typically qualifies. The 0% intro rate is good for both purchases and balance transfers, and it lasts for a solid 14 months. (After 14 months the interest could be as low as 13.99% to 24.99% variable rate.) Here’s where it gets good. You can earn 5% cash back on rotating categories (up to quarterly max each time you activate), plus 1% on all other purchases. Rewards never expire. This year’s rotating categories included: groceries, gas, Uber/Lyft, restaurants, PayPal, Amazon, Target, and Walmart.com. Best of all Discover will double your cash back bonus at the end of your first year, upping the 5% rewards into an amazing 10%. Happy anniversary! $0 annual fee. (See rates & fees) Learn more »

Capital One® Quicksilver® Cash Rewards Credit Card

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at Capital One’s secure site
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We’re calling this the double threat card, because it has the best combo of long 0% intro interest period and easy cash back. Start with 0% APR intro rate for 15 months on both purchases and balance transfers. And follow it up with a cash back rewards program that’s second to none. Take advantage of 0% APR intro rate to give yourself some time and space to pay off a high ticket item, or pay down outstanding balances on high interest rate credit cards. The standout feature that keeps on giving is the no-hassle cash back rewards program. No confusing gimmicks here. You’ll earn 1.5% cash back on everything you buy, everywhere, every day — unlimited! As a welcome bonus you’ll get a $150 reward after you spend $500 on purchases within 3 months. That’s a 30% payback! You get it all with $0 annual fee. Learn more »

Bank of America® Cash Rewards credit card

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at Bank of America’s secure site
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This is the card we personally use and recommend to our friends. It’s the only card offering an exceptional $200 signup bonus offer, 3% cashback on one of six popular categories, and 0% APR for purchases and balance transfers on 15 billing cycles (15.99%-25.99% variable after). You can earn $200 bonus easily when you make at least $1,000 in purchases in the first 90 days. It’s like getting a 20% cash back bonus. Savvy consumers will enjoy over a year of interest-free spending thanks to the intro APR. All this on top of a generous 3% cash back percentage on a category of your choice: gas, online shopping, dining, travel, drug stores, home improvement, or home furnishings. Earn 2% back at grocery stores and wholesale clubs (up to $2,500 in combined 3% and 2% categories). And earn unlimited 1% back on all your other purchases. Existing Bank of America customers can even earn 25-75% more bonus points depending on their account status. No wonder US News & World Report named it a Best Cash Back Credit Card in 2019. $0 annual fee. Learn more »

BankAmericard® credit card

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at Bank of America’s secure site
(1,608)

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There’s a reason this card is one of our favorites. It has the best combination of low intro rate, low go to rate, and long expiration date for the low intro rate. The 0% APR offer covers purchases and balance transfers for 18 billing cycles. That takes you all the way into 2021. (After 18 billing cycles the interest moves to a standard 14.99% - 24.99% variable rate.) It’s not fancy or complicated, it’s just plain good. This is an amazing card offer for someone who just wants a low interest rate without a lot of complicated bells-and-whistles. Think about how much money you could save, and how much of your outstanding high rate balances you could pay down if you could avoid any interest payments for the next 18 months. Here’s an extra special bonus. There’s no penalty APR on late payments, even though most cards automatically default to penalty pricing. $0 annual fee. Learn more »

Citi Simplicity® Card - No Late Fees Ever

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at Citi’s secure site
(694)

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The Simplicity card from our partner Citi, gives you 0% APR intro rate on balance transfers for 21 months. It’s the longest intro rate on balance transfers for any credit card we’ve seen on the market. You can take advantage of the balance transfer for up to 4 months after account approval, which means you could avoid paying any interest on your balance transfer until late 2021. There is a balance transfer fee of 5% of the amount of each transfer ($5 min). The same 0% APR applies to purchases for 12 months. After the intro period a variable APR of 16.74%-26.74%* applies to purchases and balance transfers. This card was designed without any frills, but here’s one great little sweetener. There are no late fees, ever! And $0 annual fee. Sometimes simple is better. Learn more »

Chase Freedom Unlimited®

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at Chase’s secure site
(258)

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Here’s your chance to break free from overwhelming interest rates, and earn lots of cash back on every purchase. Take advantage of the low 0% APR intro rate on purchases and balance transfers for 15 months (16.99% to 25.74% variable APR after). And the limitless cash back rewards program that really sets this card apart from the crowd. You’ll get 3% cash back your first year on all your purchases, up to $20,000 in spending. And 1.5% cash back after your first year on all your purchases, with no spending limit. That’s a lot of cash back. Use it to pamper yourself, surprise your family, or pay down outstanding debt faster. Chase offers extremely flexible redemption options. Take the cash, or redeem on the Chase Ultimate Rewards platform for gift cards, travel, or products. Rewards don’t expire, and there’s $0 annual fee. Learn more »

HSBC Gold Mastercard® credit card

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at HSBC’s secure site
(1,249)

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This card is an outstanding choice for someone who’s planning a major purchase, or wants to get out from under large balances on high rate cards. You’ll get a 0% APR intro rate for 18 months, which takes you to early 2021. You could save hundreds of dollars on interest charges even after the intro rate expires. This simple, yet powerful card delivers two extra bonuses that are especially good for people who travel. There are no foreign transaction fees, and there’s no penalty when a payment is late. Your 0% interest rate won’t default to penalty pricing, and the late payment fee will be waived once every 12 months. $0 annual fee. (See rates & fees) Learn more »

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.