These 3 Cards Come With 0% APR Until 2027

Here's the reality with 0% intro APR right now: very few cards stretch interest-free all the way into 2027, and only the longest offers give you real breathing room. Most cards with 0% APR deals run for about 15 months, which still gets you partway through 2027 if you open them late in 2025.

Here are three cards worth considering if your goal is to have as long as possible without paying credit card interest.

1. Bank of America® Customized Cash Rewards credit card

• 0% intro APR offer: 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.
• Annual fee: $0
• Rewards: 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.

Why it matters

This is one of the rare rewards cards with an intro APR period long enough to matter. You get 0% intro APR on purchases and balance transfers for your first 15 billing cycles (17.74% - 27.74% (Variable) APR applies afterwards), which takes you deep into 2027 if you open the card now.

It also earns strong everyday rewards. You pick a 6% category for the first year. You get 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. There's no annual fee and the structure is simple.

If you want a card that helps you save on interest while still earning cash back, you can learn more and apply here.

2. Wells Fargo Reflect® Card

• Intro APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers; a 17.49%, 23.99%, or 28.24% Variable APR applies after.
• Annual fee: $0
• Other perks: Up to $600 in cellphone protection against damage or theft when you pay your bill with the card.

Why it matters

The Wells Fargo Reflect® Card (rates and fees) has one job. Give you as much time as possible to pay down what you owe.

It offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. An ongoing 17.49%, 23.99%, or 28.24% Variable APR applies at the end of the intro period. That's one of the longest windows available now and it pushes your interest-free period comfortably into 2027.

There's no annual fee and no complicated rewards to think about. It's built for people who want a clean runway to pay down debt. Find out if it's the best card for you and apply here.

3. Chase Freedom Flex®

• 0% intro APR: 0% intro APR for 15 months from account opening on purchases and balance transfers; a 18.49% - 27.99% Variable APR applies after.
• Annual fee: $0
• Rewards: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

Why it matters

The Chase Freedom Flex® (see rates and fees) gives you a strong combination of rewards and a 0% intro APR that carries well into 2027. You get 15 months of 0% intro APR on purchases and balance transfers along with one of the best cash back programs available from a no-annual-fee card.

You earn 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

If you want flexibility while still getting a real interest-free runway, this is the card that checks both boxes. Read our full review and apply here.

How to make the most of a long 0% APR run

A long 0% intro APR period is only useful if you plan around it:

• Move your balance quickly so the clock works in your favor.
• Break your payoff into monthly chunks so you finish before the intro rate ends.
• Avoid adding new debt while you're paying down the old balance.

If you want more space and less pressure heading into 2027, these offers give you the longest, most practical breathing room available today.