Longest 0% Intro APR Credit Cards This Week, Oct. 5, 2025: Regain Control of Your Debt With No Interest Until 2027

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Paying more than 20% interest on a credit card? Even a small balance can snowball -- fast. It's stressful, and it can feel like there's no way out.

That's where a 0% intro APR card comes in. It gives you a break from interest, so you can focus on what matters: knocking out debt, covering a big expense, or simply breathing easier.

This week's top picks offer up to 24 months with no interest on purchases, balance transfers, or both. You'll also find extras like no annual fee, cash back, or even a welcome bonus to help you save more along the way.

Want to enjoy interest-free breathing room well into 2027? These are the longest 0% intro APR credit card deals available right now.

Top credit cards with the longest 0% intro APR offers

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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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.

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    • 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.
4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/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 Circle with letter I in it. 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
    • 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.
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4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/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 Circle with letter I in it. 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.

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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
    • 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
4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

17.99% - 26.99% Variable APR

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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.
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4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn $200 cash back

  • 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
    • 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
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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 Circle with letter I in it. 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.
U.S. Bank Shield™ Visa® credit card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

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.

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.

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

  • 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.

  • 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.

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