Pay No Interest Until 2024


The Fed is likely to raise interest rates again which means it is a crucial time to lock in a long 0% intro APR. The good news is that credit card issuers are offering extremely long intro APRs in order to stand out from their competitors and win your business. If you have good to excellent credit (usually considered a score of 670 – 850*) and you would like to avoid interest charges, are planning a large purchase, or would like to save money by transferring your balance from another credit card, then one of the cards below will surely suit your needs. It is also worth noting that none of the cards below charge an annual fee.

BankAmericard® credit card

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on Bank of America®’s secure site
Recommended Credit Score
Excellent/Good
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BankAmericard® credit card

If you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance or you are looking to transfer a balance from another high-APR credit card, then this card is another fantastic option. The BankAmericard® credit card offers 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 14.99% – 24.99% Variable APR will apply. There is a 3% balance transfer fee ($10 minimum). You’ll also have access to your FICO score and paying late won’t automatically increase your APR.

Wells Fargo Reflect® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Reflect® Card

This card from Wells Fargo is a CardCritics favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 15.99% – 27.99% variable APR. You will start with 18 months of 0% intro APR and can get an extension of up to 3 months with on-time minimum payments during the intro period. There is a 3% balance transfer fee for 120 days from account opening ($5 minimum). That fee then goes up to 5% after the 120 days so we suggest you make your transfer happen before the 120 days are up. If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.

Bank of America® Customized Cash Rewards credit card

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on Bank of America®’s secure site
Recommended Credit Score
Excellent/Good
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Bank of America® Customized Cash Rewards credit card

If you are in the market for a flexible cash back credit card that also offers a generous intro APR period on both purchases and balance transfers, then this card is likely a good fit for you. New cardmembers will get a 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 16.99% – 26.99% Variable APR will apply. There is an easily achievable bonus that will allow you to earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. The ongoing cash back benefits are fantastic too. You get to decide which category you will earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. Options for the 3% bonus category include home improvement/furnishings, gas, online shopping, dining, travel or drug stores. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases.

Citi® Diamond Preferred® Card

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on Citi®’s secure site
Recommended Credit Score
Excellent/Good
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Citi® Diamond Preferred® Card

If a long intro APR period on balance transfers is of the utmost importance to you then this card is another great option. New card members will benefit from a 0% intro APR on balance transfers for 21 months and 12 months on purchases. After that a 16.74% – 26.74% (Variable) APR will apply. There is a 5% balance transfer fee ($5 minimum) that should be factored into your decision. You will also get free access to your FICO® Score online, receive special access to tickets to thousands of events through Citi Entertainment® and speed through checkout with Digital Wallets and Contactless Pay options.

If you are willing to give up a few months of 0% intro APR in return for ongoing rewards and/or intro bonus opportunities then the cards below are worth checking out. They don’t currently get you all the way into 2024 with 0% since they offer slightly shorter intro APR periods than the cards above but they all really make up for it in the rewards department.

Wells Fargo Active Cash® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Active Cash® Card

This stellar cash back card from Wells Fargo offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers followed by a 17.99%, 22.99%, or 27.99% variable APR. The rewards are top-notch as you will earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. Another great perk it offers is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible).

Getting approved for a credit card with a long 0% introductory APR on purchases and balance transfers is an excellent way to save money. It is important to plan ahead and aim to pay your balance down before the introductory period is over, if possible. If you are not sure about how a balance transfer can work for you then you can read about all of the important Balance Transfer Basics here.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.