These 3 Cards Offer 0% APR Until 2027
KEY POINTS
- 0% intro APR for up to 21 months means you could avoid interest until the year 2027.
- Balance transfers can save you thousands in interest, even after factoring in the typical 3% to 5% transfer fee.
- Good to excellent credit (670+) is usually needed to qualify for these long 0% intro APR offers.
Buying kitchen appliances isn't cheap. My wife and I are getting quotes right now to upgrade our stove and fridge, and it's looking like about $12,000 all in. (Yes, we're going for the high-end, crazy-expensive, amateur-chef type models.)
We could pay with our savings, but that would leave our emergency fund a little light. So instead, we're thinking about opening a 0% APR card to buy everything.
If we chip away at the balance with $1,000 payments each month, we could pay everything off in 12 months -- without paying a cent in interest.
Here are three credit cards we're considering with the longest 0% intro APR periods available today.
(Oh yeah -- they all have $0 annual fees, too!)
1. Wells Fargo Reflect® Card: Best for new purchases
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, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% 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 intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, 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. 17.24%, 23.74%, or 28.99% 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.
The Wells Fargo Reflect® Card (see rates and fees) is our top pick since it offers one of the longest 0% intro APR deals for both new purchases and balance transfers.
Here's the deal: Get 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases.
Card details:
- Balance transfer fee: 5%, min: $5
- Transfer period: Within 120 days from account opening to qualify for the introductory rate
- Typical credit score needed: Good to excellent (670+)
- Annual fee: $0
Another perk: You'll get up to $600 of cellphone protection against damage or theft if you pay your bill with the credit card (subject to a $25 deductible).
A full 21 months from account opening of 0% intro APR is no joke. Just make sure you pay off your entire balance during the 0% intro APR period to avoid all interest charges.
Apply for the Wells Fargo Reflect® Card (see rates and fees) and start your 0% intro APR period today.
2. Citi Simplicity® Card: Best for no late fees
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
18.24% - 28.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer 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).
Long intro balance transfer APR
-
This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted 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 18.24% - 28.99%, 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
Sometimes, life happens and you accidentally miss a payment. Well, if you have the Citi Simplicity® Card you'll be let off the hook! It has no late fees and no penalty APRs, either!
You'll get 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases from the date of account opening. After that the 18.24% - 28.99% (Variable) APR will apply, based on your creditworthiness.
Card highlights:
- Balance transfer fee: 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)
- Transfer period: Must be completed within 4 months of account opening to qualify for 0% offer
- Typical credit score needed: Good to excellent (670+)
- Annual fee: $0
The real standout features here are the lack of late fees and a slightly lower balance transfer fee. This could save you hundreds depending on your transferred balance.
Apply for the Citi Simplicity® Card today (see rates and fees) and enjoy worry-free payments.
3. Citi® Diamond Preferred® Card: Simple and sweet
= 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
17.24% - 27.99% (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 17.24% - 27.99%, 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.
The Citi® Diamond Preferred® Card keeps it simple, offering a long 0% intro APR period without rewards programs or flashy perks.
The card offers 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases from the date of account opening. After that the 17.24% - 27.99% (Variable) APR will apply, based on your creditworthiness.
Key details:
- Balance transfer fee: Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
- Transfer period: Balance transfers must be completed within 4 months of account opening
- Typical credit score needed: Good to excellent (670+)
- Annual fee: $0
If you just want a simple, straightforward way to tackle a balance, this card could be perfect.
Apply for the Citi® Diamond Preferred® Card today (see rates and fees).
How balance transfers can help you crush debt faster
If you're carrying a huge amount of credit card debt, a balance transfer card can be an extremely helpful tool.
Here's an example of how much interest you could save by transferring a balance to a 0% APR card:
| Without Balance Transfer | With 0% APR Card | |
|---|---|---|
| Balance | $10,000 | $10,000 |
| Interest rate | 20% | 0% |
| Monthly payment | $500 | $500 |
| Time to pay off | 25 months | 21 months |
| Total interest paid | $2,265 | $0* |
If we factor in a transfer fee of $500 (5% of the balance transfer) the total savings is $1,765 in interest! Not to mention, you'd become debt free four months faster.
Don't wait to start saving
With intro periods stretching all the way into 2027, you'll get serious breathing room to pay off big balances.
The sooner you lock in your 0% APR, the sooner you can start putting every dollar toward paying down your balance -- not wasting it on interest.
Our Research Expert
Joel is a full-time writer at Motley Fool Money, known for his clear, approachable voice on topics like credit cards, savings hacks, and side hustles. He’s been writing about money since 2018 and previously managed editorial content for the How To Money podcast.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.