Longest 0% Intro APR Credit Cards This Week, Oct. 19, 2025: No Interest Until 2027 Begins Here
Image source: Getty Images
Credit card debt feels heavier when interest is eating away at every payment. And with rates still topping 20%, even small balances can drag you down.
A long 0% intro APR offer can give you a clean slate. It's a chance to pay off what you owe or spread out new expenses -- without the extra cost.
Some of this week's standout cards offer up to 24 months with zero interest on purchases, balance transfers, or both. Many also skip the annual fee and throw in cash back or a welcome bonus.
If you're ready to stop the interest and start fresh, these are the longest 0% intro APR deals on the market -- and they'll keep your balance interest-free well into 2027.
Top credit cards with the longest 0% intro APR offers
2025 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= 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 on purchases for 21 months from account opening
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
16.99%, 23.49%, or 28.74% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
-
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 (16.99%, 23.49%, or 28.74% 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.
Read Full Review -
- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
-
- 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. 16.99%, 23.49%, or 28.74% 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.
2025 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.99% - 28.74% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
-
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.
Read Full Review -
- Great intro APR
- No annual fee
- No late fees
- No penalty APR
- Choose your own payment date
- No rewards
- Foreign transaction fee
-
- 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 17.99% - 28.74%, 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
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
16.99% - 27.74% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
-
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.
Read Full Review -
- Great intro APR
- No annual fee
- Free credit score monitoring
- No rewards
- Foreign transaction fee
- High balance transfer fee
-
- 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 16.99% - 27.74%, 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.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
17.99% - 26.99% 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.
-
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.
-
- Welcome bonus offer
- Gas and restaurants rewards
- 0% intro APR
- No annual fee
- No foreign transaction fee
- Low cash back rates
-
- 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 17.99% to 26.99% 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
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
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
-
-
-
- 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 credit card
Choosing the best 0% intro APR card starts with knowing what you need it for -- are you planning a big purchase, or do you want to transfer existing debt? Some cards are better for new spending, while others shine when it comes to balance transfers.
Once you know your goal, take a close look at how long the intro period lasts. The longer the better -- but only if you can pay off the balance before the standard APR kicks in. Otherwise, those interest charges can sneak up on you fast.
Make sure to check for any annual fees or hidden costs that could cancel out your savings. And don't forget your credit score -- these offers are usually reserved for people with good to excellent credit, so it's smart to check where you stand before applying.
Who benefits most from a 0% intro APR offer?
If you're planning a big expense -- like a vacation, move, or wedding -- a 0% intro APR card can give you time to pay it off without added interest. It's also a smart move if you're carrying high-interest debt and need a break to catch up.
Even if you're just looking for more flexibility with everyday spending, avoiding interest charges for a year or two can help you stay on top of your finances. If any of that sounds like you, one of this week's top picks might be a great fit.
How to make the most of your 0% intro APR period
A 0% intro APR deal only works if you manage it carefully. Before you swipe, create a plan to pay off your balance within the promo period. That way, you won't be stuck with surprise interest later.
If you're transferring a balance, try not to use the card for new purchases -- it makes things harder to track. And whatever you do, don't miss a payment. One late bill can cancel the whole deal and leave you with a much higher rate.
Bottom line: No interest into 2027
With some of the top credit cards offering 0% intro APRs for anywhere from 15 to 24 months, you could skip interest charges well into 2027. If you're ready to pay down debt or need extra time for big purchases, these long-lasting offers are some of the best ways to take control of your finances right now.
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.
Just remember, these offers change often, so jumping on one now could save you a lot down the road. Ready to lock in a 0% intro APR and take control of your finances? Check out our list of the best 0% intro APR cards for the full lineup.
FAQs
-
A 0% intro APR credit card offers no interest on purchases, balance transfers, or both for a limited time, giving you a window to pay down debt without extra fees.
-
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.
-
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.