These 3 Cards Come With 0% APR Until 2027

Carrying credit card debt is like running on a treadmill at a 20% incline -- sweating, struggling, and somehow getting nowhere. You make payments every month, but the balance barely moves.

Well, here's a way to slow things down and catch your breath…

Right now, a few credit cards are offering 0% intro APRs all the way into the year 2027. That means no interest charges while you focus on paying down your balance -- finally getting ahead.

Below are three awesome 0% intro APR offers available today. Each one can help you take back control and start fresh.

Best for longest interest-free period: Wells Fargo Reflect® Card

How does 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases sounds? That's about as good as it gets for 0% intro APR cards.

The Wells Fargo Reflect® Card (rates and fees) offers one of the longest 0% intro periods on the market today. That's nearly two full years to pay off a big expense -- interest-free.

While the balance transfer fee (5%, min: $5) is higher than some cards, if your goal is to stop the interest clock as long as possible, the cost is usually worth it.

One cautionary note: You need to make balance transfers within 120 days to qualify for the intro rate. This is best for folks ready to roll up their sleeves and jump into their debt payoff plan.

Best for flexible paydown and no fees: Citi Simplicity® Card

If you want breathing room to tackle your debt without late fees or surprise penalty rates, the Citi Simplicity® Card might be a better fit.

You'll get 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases, giving you plenty of time to catch up.

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).

The card has a $0 annual fee, no late fees, and no penalty APR -- so even if life throws you off schedule, this card won't punish you for it. Just make sure to complete any balance transfers within the first four months!

This is the card I'd recommend for someone juggling multiple bills and looking for maximum flexibility and no extra stress.

Best for earning cash back: Citi Double Cash® Card

Rewards shouldn't be the main focus if you're trying to get out of debt. But it certainly doesn't hurt if it's part of the card features!

The Citi Double Cash® Card is one of the few balance transfer cards that also gives you cash back on everyday purchases.

You'll get 0% intro APR for 18 months on Balance Transfers, but there is no intro APR for new purchases.

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).

As for rewards, you'll earn 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. And just like the others, this card has no annual fee to worry about.

Getting cash back while you pay down debt is a rare combo.

Which one should you get?

• If you're looking for the longest possible runway with no interest, the Wells Fargo Reflect® Card is your go-to. Seriously, 0% intro APR for 21 months from account opening (for both new purchases and balance transfers) is hard to beat. Click here to apply now.
• If you value flexibility and peace of mind, you should strongly consider the Citi Simplicity® Card. You'll get a super long intro APR for balance transfers, but also skip late fees and penalty rates. Click here to apply now (see rates and fees).
• And if you want to pay down debt while still earning rewards, the Citi Double Cash® Card is a rare find. You can enjoy flat rate rewards for the long haul. Click here to apply now (see rates and fees).

No matter which one fits you best, choosing a 0% intro APR card can be a smart way to reset your finances, and finally get ahead.