These 3 Cards Come With 0% APR Until 2027
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Paying off credit card debt is hard enough. And doing it while getting charged 20% interest? That's just brutal.
The good news: a few credit cards are offering 0% intro APRs that stretch well into 2027.
That's a huge window to knock out a big debt balance or fund a major purchase -- without losing money to interest along the way.
Here are three top picks with long-lasting intro APR offers.
1. Best for the longest interest-free period: Wells Fargo Reflect® Card
If you need maximum time to breathe, the Wells Fargo Reflect® Card (rates and fees) gives you one of the longest intro APR offers available now.
You'll get 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases; then a 17.74%, 24.24%, or 28.49% Variable APR applies.
That's nearly two full years with no interest charges. It's perfect for people rolling over existing debt who need extra time to pay it down without the pressure of rising balances.
Just a heads up:
- Balance transfers must be completed within 120 days to qualify
- There's a balance transfer fee of 5%, min: $5
Still, for folks looking for breathing room above all else, this is one of the strongest options out there.
2026 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 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
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 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.
2. Best for cash back rewards: Chase Freedom Unlimited®
If you want a long stretch of 0% intro APR but still want to rack up rewards along the way, the Chase Freedom Unlimited® (see rates and fees) is right up your alley.
You'll get 0% intro APR for 15 months on both purchases and balance transfers. After that, a 18.74% - 28.24% Variable APR applies.
While you work down your balance, you'll also earn:
- 5% cash back on travel purchased through Chase Travel
- 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
- 1.5% cash back on all other purchases
There's no annual fee, and rewards never expire as long as your account is open.
Probably the best bit about this card is that it keeps rewarding you long after the intro period ends.
I've personally had the Chase Freedom Unlimited® for over a decade, and I'll probably keep it forever. It's simple, reliable, and I never have to worry about fees.
2026 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
18.74% - 28.24% 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 18.74% - 28.24%.
- 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
3. Best for custom categories and cash rewards: Bank of America® Customized Cash Rewards credit card
Here's another rewards card option that offers a long 0% intro APR period. The Bank of America® Customized Cash Rewards credit card is sneaky good.
It currently offers:
- Intro APR offer: 0% intro APR for 15 billing cycles on both purchases and balance transfers (must be made within 60 days). After that, a 18.24% - 28.24% (Variable) APR applies.
- Earn a $200 cash back bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Get 6% cash back for the first year in the category of your choice -- like dining, online shopping, travel, drug stores, or gas.
That 6% cash back rate on choice category applies to the first $2,500 per quarter in combined choice category, grocery store, and wholesale club purchases. After that, it drops to 1%.
There's no annual fee, and it's especially a good fit for points nerds who want control over where they earn the most cash back.
On Bank of America's Secure Website.
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Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.74% - 27.74% (Variable)
Rewards Earn 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum.
1% - 6% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash back
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This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you.
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- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
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- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Which one should you choose?
The right card depends on your goals.
If your priority is paying off existing debt, look for the card with the longest 0% intro APR on balance transfers. And double-check how long you have to complete the transfer after opening. Some cards give you just 60 or 120 days to qualify for the offer.
If you're planning a big purchase, focus on cards with a long 0% APR on new purchases. This can help you spread out the cost over time without racking up interest.
And if you want a card you'll hold on to long after the intro period ends, rewards programs and long-term value matter too.
As someone who's reviewed hundreds of credit cards over the years, I can say this: the "best" card isn't always the flashiest. It's the one that fits your needs, habits, and goals. Pick smart now, and you'll thank yourself later.
Ready to press pause on interest and start fresh? Explore more top 0% intro APR credit card offers here.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.