6 Cards With 0% Intro APR Until 2027

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These offers are no longer available on our site: Citi Custom Cash® Card, BankAmericard® credit card

A credit card offering a 0% introductory APR for a year or more can be a powerful tool for debt relief. Whether you need to pay down high-interest debt or finance a major purchase, these cards give you a long, interest-free runway that can help you meet your financial goals.

U.S. Bank Shield™ Visa® Card: 0% intro APR for 18 billing cycles

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% intro on purchases for 18 billing cycles	0% intro on balance transfers for 18 billing cycles	17.49% – 28.49% Variable	17.49% – 28.49% Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 18 billing cycles
Intro Balance Transfer APR
0% intro on balance transfers for 18 billing cycles
Regular Purchase APR
17.49% – 28.49% Variable
Regular Balance Transfer APR
17.49% – 28.49% Variable

Additional Rates and Fees

Cash Advance Rate	30.99% Variable
Cash Advance Fee	Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Late Fee	Up to $41
Penalty APR	N/A
Balance Transfer Fee	An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Foreign Transaction Fee	3% of each foreign transaction
Return Payment Fee	Up to $41

0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.49% – 28.49%.
4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
Get a $20 annual statement credit for 11 consecutive months of purchases.
No annual fee.
Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
Terms and conditions apply.

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Here’s why: This card offers an extended 0% offer period while earning cash back on travel spending.

Intro rate: 0% intro APR on purchases and balance transfers made within 60 days of account opening
Intro rate length: 18 billing cycles from account opening
Ongoing APR: 17.49% - 28.49% variable APR for both purchases and balance transfers
Balance transfer fee: An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.

You can also earn 4% cash back on prepaid air, hotel and car reservations booked directly in the U.S. Bank Travel Center, though the card offers no rewards for other purchases.

Chase Freedom Unlimited®: 0% intro APR for 15 months

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR on Purchases for 15 months	0% Intro APR on Balance Transfers for 15 months	18.74% – 28.24%* Variable	18.74% – 28.24%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular Purchase APR
18.74% – 28.24%* Variable
Regular Balance Transfer APR
18.74% – 28.24%* Variable

Additional Rates and Fees

Cash Advance Rate	28.99%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

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
Rates and fees

See details, rates & fees

Here’s why: This card has a strong 0% intro APR offer and attractive rewards that add long-term value.

Intro rate: 0% APR on purchases and balance transfers
Intro rate length: 15 months after opening the account
Ongoing APR: 18.74% - 28.24% variable APR for both purchases and balance transfers
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5% (minimum $5) thereafter.

For rewards, you’ll earn 5% back on travel purchased through Chase and 3% back on dining and drugstore purchases. All other purchases earn 1.5% back.

Wells Fargo Reflect® Card: 0% intro APR for 21 months

Here’s why: With this card, you get an extra-long intro offer to help you save on interest.

Intro rate: 0% APR on purchases and balance transfers made within 120 days from the day you open your account
Intro rate length: 21 months from account opening
Ongoing APR: 17.99%, 24.49%, 28.74%variable APR for both purchases and balance transfers
Balance transfer fee: 5% (minimum $5)

See if you have an offer for the Wells Fargo Reflect® Card on Credit Karma.

Citi Custom Cash® Card: 0% intro APR for 15 months

Here’s why: In addition to a solid 0% intro APR period, this cash back card offers flexible rewards.

Intro rate: 0% intro APR on purchases and balance transfers completed within four months of account opening
Intro rate length: 15 months from account opening
Ongoing APR: 17.99% to 27.99% on both purchases and balance transfers
Balance transfer fee: 5% (minimum $5)

The card also offers 5% cash back on your top eligible spending category each billing cycle on up to $500 spent (then 1%) and 1% back on all other purchases. Your rewards category automatically applies to your spending, so you don’t have to track and activate any offers to take advantage.

BankAmericard® credit card: 0% intro APR for 18 billing cycles

Here’s why: This card offers a long 0% intro APR period, plus a relatively low balance transfer fee.

Intro rate: 0% APR on purchases and balance transfers made in the first 60 days after your card opens
Intro rate length: 18 months from account opening
Ongoing APR: 14.99% – 24.99% variable APR for both purchases and balance transfers
Balance transfer fee: 3% of the amount of each transaction during the first 60 days, then 4%

Chase Slate Edge®: 0% intro APR for 18 months

Here’s why: This card offers a lengthy 0% intro APR period and incentives when you make consistent on-time payments.

Intro rate: 0% APR on purchases and balance transfers
Intro rate length: 18 months from account opening
Ongoing APR: 18.74% – 28.74% variable APR for both purchases and balance transfers
Balance transfer fee: Either $5 or 3% of each transfer, whichever is greater, in the first 60 days, then 5% (minimum $5)

After the intro APR period is over, Chase will review your account for an APR reduction of up to 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary.

About the author: Brad Hanson is a senior editor at Credit Karma. His 30 years of experience in print and digital media includes work for the Los Angeles Times-Washington Post News Service, Trucks.com and Polyvore. Most recently before… Read more.

6 cards with 0% intro APR until 2027

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