Pay No Interest Until 2024


The Fed will likely continue to raise interest rates 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.

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 18.74%, 23.74%, or 28.74% variable APR. Other cards may offer longer intro APR periods but the cash back rewards make this our top choice. 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).

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 16.74% – 28.74% 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.

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% – 27.49% (Variable) APR will apply. There is a 5% balance transfer fee ($5 minimum) that should be factored into your decision. For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening. 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.

U.S. Bank Cash+® Visa Signature® Card

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on U.S. Bank’s secure site
Recommended Credit Score
Good/Excellent
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U.S. Bank Cash+® Visa Signature® Card

This cash back card from U.S. Bank offers a 0% Intro APR for 15 billing cycles on purchases and balance transfers followed by a 18.24% – 28.24% (Variable). In a more hands on approach, you are able to choose 2 categories to earn 5% cash back on the first $2,000 spent each quarter and one everyday category to earn 2% cash back. You also can earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. All other eligible purchases earn 1% cash back. There is also a welcome bonus worth $200 after spending at least $1,000 in eligible purchases in the first 120 days after account opening.

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.