Longest 0% Intro APR Card Offers This Week: August 17, 2025 -- Enjoy No Interest Until 2027
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Credit card interest rates are still sky-high -- and with the Fed leaving rates unchanged at its July 30 meeting, that's not likely to change soon. If you're carrying a balance, the pressure can feel nonstop.
A 0% intro APR card gives you a break. No interest for up to two years means more time to pay off debt, handle a big expense, or just breathe a little easier.
This week's top picks offer up to 24 months with no interest on purchases, balance transfers, or both. Many also come with no annual fee, cash back, or even a sign-up bonus.
If you're looking to push pause on interest into 2027, here are the longest 0% intro APR offers available now.
Top credit cards with the longest 0% intro APR offers
Wells Fargo Reflect Card: 0% intro APR for 21 months from account opening on balance transfers and purchases
2025 Award Winner
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= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.
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- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Citi Diamond Preferred: 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.24% - 27.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
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This card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck.
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- Great intro APR
- No annual fee
- Free credit score monitoring
- No rewards
- Foreign transaction fee
- High balance transfer fee
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- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Citi Double Cash: 0% intro APR for 18 months on Balance Transfers, plus 2% cash back on every purchase
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Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Rewards Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2% cash back
Annual Fee N/A
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
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This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.
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- High cash back
- 0% intro APR balance transfer offer
- No annual fee
- Free credit score monitoring
- Foreign transaction fee
- No 0% intro APR on purchases
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- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Discover it® Chrome: Generous 0% intro APR plus end-of-year cash back match for first year
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= Excellent
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
18.24% - 27.24% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
Discover will match all the cash back you’ve earned at the end of your first year.
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The main draw of this Discover card is the balance transfer offer, which is one of the best we've come across. Unlike many balance transfer cards, it combines that with cash back rewards. But the cash back program doesn't measure up to what other cards offer.
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- Welcome bonus offer
- Gas and restaurants rewards
- 0% intro APR
- No annual fee
- No foreign transaction fee
- Low cash back rates
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Chase Freedom Unlimited®: 0% Intro APR on Purchases and Balance Transfers for 15 months
2025 Award Winner
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= PoorGood/Excellent (670-850)
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
18.99% - 28.49% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee
$0
Welcome Offer Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $200 cash back
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The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet.
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- Innovative sign-up bonus
- Purchase and travel protections
- Robust rewards program
- Great intro APR
- No annual fee
- Limited bonus opportunities on everyday spending
- Foreign transaction fee
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- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
U.S. Bank Shield™ Visa® credit card: 0% intro APR for 24 billing cycles on balance transfers and purchases
U.S. Bank Shield™ Visa® credit card
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Intro APR For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.
Purchases: 0%, 24 billing cycles
Balance Transfers: 0%, 24 billing cycles
Regular APR
17.74% - 28.74% (Variable)
Rewards 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
4% cash back
Annual Fee
$0
Welcome Offer
N/A
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- For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.
- Enjoy great benefits with no annual fee.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- Earn a $20 annual statement credit for 11 consecutive months of purchases.
- Get an opportunity to set up a 3-month $0 ExtendPay Plan offer each calendar year after the new account 0% introductory purchase APR offer has expired.
- Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with your card.
- Stay aware of your credit score to help keep your finances safe. Enroll in the mobile app and online banking to view your score at anytime.
- Get your cash back directly deposited into your U.S. Bank checking or savings account, as a statement credit, a rewards card and more.
Picking the right card starts with one question
What's your goal?
- Big purchase coming up? Look for a card with a long 0% intro APR on new purchases.
- Carrying high-interest debt? Choose a card with a solid balance transfer offer.
Once you know your plan, check how long the 0% intro period lasts. Some cards give you 15 months. Others stretch to 21 or even 24 -- giving you nearly two years of breathing room. But it only helps if you can pay off the balance in time. Once the regular APR kicks in, the cost can rise fast.
Don't forget to:
- Scan for fees -- like annual charges or balance transfer fees
- Know your credit -- the best offers usually go to those with good or excellent scores
Who can benefit from these cards?
You don't have to be deep in debt to make a 0% intro APR card work for you. These offers can help if you're:
- Planning a large expense you'd rather pay off gradually -- like
- Moving costs
- A vacation
- Home upgrades
- A wedding
- Consolidating credit card debt and want to press pause on interest
- Just looking to free up room in your budget without adding extra cost
If any of that sounds like your situation, one of this week's longest 0% intro APR cards might be the right fit.
How to use a 0% intro APR period wisely
These intro offers can save you hundreds -- but only if you stay on top of them. Here's how:
- Do the math. Take your total balance and divide it by the number of months in the promo window. That's your monthly target to be paid off before interest kicks in.
- Skip new charges if you used the card for a balance transfer. It keeps things clean and easy to manage.
- Pay on time -- every time. One late payment could cancel the intro offer and trigger a much higher rate.
Bottom line: Your interest-free window is open
The best 0% intro APR cards available this week give you 15 to 24 months of interest-free time -- enough to take control of your debt or pay off big purchases at your own pace.
A pick we love this week is the Wells Fargo Reflect® Card (rates and fees) -- it offers one of the longest intro APR periods out there, perfect if you want maximum time to pay off your balance interest-free.
But these offers don't last forever. If you're thinking about applying, now's a smart time to grab one while it's still available. Check out our full list of the best 0% intro APR cards for more options.
FAQs
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Yes. Most 0% intro APR offers come with a catch -- if you miss a payment, the issuer can revoke your promotional rate early and apply the card's regular APR instead, which is often over 20%.
To avoid losing your interest-free period:
- Set up auto-pay or reminders
- Make at least the minimum payment on time every month
- Read the card's terms carefully for any specific rules or penalties
Staying on schedule is key to making the most of your 0% intro APR window.
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A 0% intro APR on purchases means you won't pay interest on new purchases for a set period -- usually 12 to 24 months. This can be useful if you're planning a large expense and want time to pay it off without interest.
A 0% intro APR on balance transfers applies to debt you move over from another credit card. It gives you time to pay off that transferred balance interest-free -- but often includes a one-time balance transfer fee (typically 3%–5%).
Make sure to check whether the card offers 0% intro APR on purchases, balance transfers, or both, depending on your needs.
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Once the intro period expires, the regular APR applies to any remaining balance, so it's best to pay off your balance before then to avoid interest charges.
Our Research Expert
Brooklyn is a full-time Fool who leads the content team behind product reviews and ratings at Motley Fool Money, drawing on nearly seven years of financial content experience to help readers make smarter money decisions.
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