Longest 0% Intro APR Credit Cards This Week, Nov. 16, 2025: Skip Interest Into 2027
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When rates are over 20%, credit card debt can feel like quicksand -- the more you try to pay it down, the deeper you sink.
A 0% intro APR card can help you climb out. No interest gives you time to breathe, budget, and make real progress.
This week's standout offers include up to 24 months with no interest on purchases, balance transfers, or both. Some even add cash back, welcome bonuses, and no annual fee.
Looking for a fresh start? These are the longest 0% intro APR deals available now -- and they'll keep interest off your plate well into 2027.
Top credit cards with the longest 0% intro APR offers
2026 Award Winner
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Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
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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 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.74%, 24.24%, or 28.49% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, 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. 17.74%, 24.24%, or 28.49% 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.
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Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
16.74% - 27.49% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
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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 16.74% - 27.49%, 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.
2026 Award Winner
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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
17.74% - 28.49% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
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This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted intro balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends.
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- Great intro APR
- No annual fee
- No late fees
- No penalty APR
- Choose your own payment date
- No rewards
- Foreign transaction fee
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- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 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 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- Stay protected with Citi® Quick Lock
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
17.74% - 26.74% 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. You'll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
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
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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.
How to pick the right 0% intro APR card
Before you apply, think about what you're using the card for:
- Big purchase coming up? Look for a card with a long 0% intro APR on new purchases.
- Trying to pay down existing debt? Go for one with a strong balance transfer offer.
The length of the promo period is key. A 21- to 24-month intro APR can give you serious breathing room -- but only if you pay off the balance in full before the regular rate kicks in. Otherwise, the interest you were trying to avoid can catch up fast.
A couple other things to check:
- Annual fees or surprise costs that could eat into your savings
- Credit score requirements -- most of these offers are geared toward people with good to excellent credit
Is a 0% intro APR card right for you?
These cards can be a smart move in more situations than you might think. You could benefit if you're:
- Making a large purchase you want to spread out, like:
- Moving expenses
- Home improvements
- A major trip or vacation
- Wedding or event costs
- Consolidating high-interest debt to save money while you pay it down
- Looking for more room in your budget, even if you don't have existing debt
If any of that sounds like your situation, one of this week's longest 0% intro APR offers could be just what you need.
How to make the most of a 0% intro APR offer
A 0% intro APR period is a great tool -- but only if you manage it well. Here's how to get the most from it:
- Create a payoff plan. Divide your balance by the number of months in the intro period so you're paid off before interest kicks in.
- Avoid new charges if you're using the card for a balance transfer -- it'll make it easier to stay on track.
- Never miss a payment. Just one late payment could end your promo period early and trigger a much higher APR.
Bottom line: You could pay no interest until 2027
This week's best 0% intro APR cards offer between 15 and 24 months of interest-free time -- giving you the chance to pay off purchases or balance transfers into 2027. If you're looking to get ahead financially, this could be one of the smartest tools available right now.
Our favorite 0% intro APR card 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.
Just remember, these offers can change at any time, so securing one now could save you a lot down the road. Ready to lock in 0% interest and take control of your finances? Check out our full list of the best 0% intro APR cards available now.
FAQs
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That depends. If you use a 0% intro APR offer for a balance transfer, a balance transfer fee will apply. But the best 0% intro APR cards have no annual fees and you won't be charged interest on any remaining balance until after the intro period ends.
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Right now, some cards offer up to 24 months of 0% intro APR, allowing you to pay off balances without interest for as long as two years.
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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 Sprunger is a full-time Content Manager and Personal Finance Writer at Motley Fool Money, where she oversees product reviews and ratings while also writing about credit cards, bank accounts, investing, auto insurance, and other personal finance topics. She has worked in financial content since 2018, including more than four years at The Motley Fool. When she’s not writing or editing, Brooklyn is likely hiking and watching the Tennessee Vols.