5 Cards With 0% Intro APR Until 2027

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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.

BankAmericard® credit card: 0% intro APR for 21 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 APR for 21 billing cycles for purchases	0% for 21 Billing Cycles for qualifying balance transfers	14.99% – 25.99% Variable APR on purchases	14.99% – 25.99% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 21 billing cycles for purchases
Intro Balance Transfer APR
0% for 21 Billing Cycles for qualifying balance transfers
Regular Purchase APR
14.99% – 25.99% Variable APR on purchases
Regular Balance Transfer APR
14.99% – 25.99% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	None
Balance Transfer Fee	5% of the amount of each transaction
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

New! 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 Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

^*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 a long 0% intro APR period, plus a relatively low balance transfer fee.

Intro rate: 0% APR on purchases and on balance transfers made in the first 60 days after your card opens
Intro rate length: 21 billing cycles from account opening
Ongoing APR: 14.99% - 25.99% variable APR for both purchases and balance transfers
Balance transfer fee: 5% of the amount of each transaction

Chase Slate®: 0% intro APR for 21 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 for 21 months on purchases	0% Intro APR for 21 months on balance transfers	18.24 – 28.24% Variable	18.24 – 28.24% Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 21 months on purchases
Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers
Regular Purchase APR
18.24 – 28.24% Variable
Regular Balance Transfer APR
18.24 – 28.24% Variable

Additional Rates and Fees

Cash Advance Rate	28.49% Variable
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater.
Late Fee	See Terms*
Penalty APR	Up to 29.99%
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee	3% of each transaction in U.S. dollars
Return Payment Fee	See Terms*

0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24 – 28.24% thereafter
No Annual Fee- You won’t have to pay an annual fee for all the great features that come with your Slate Card
Zero Liability Protection & Fraud Protection – You won’t be held responsibile for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you’ve already made
Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
Stay protected with purchase & travel benefits – Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
Member FDIC
Rates and fees

See details, rates & fees

Here’s why: This card offers a lengthy 0% intro APR period.

Intro rate: 0% APR on purchases and balance transfers
Intro rate length: 21 months months from account opening
Ongoing APR: 18.24% - 28.24% variable APR for both purchases and balance transfers
Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

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 21 billing cycles	0% intro on balance transfers for 21 billing cycles	16.99% – 27.99% Variable	16.99% – 27.99% Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 21 billing cycles
Intro Balance Transfer APR
0% intro on balance transfers for 21 billing cycles
Regular Purchase APR
16.99% – 27.99% Variable
Regular Balance Transfer APR
16.99% – 27.99% Variable

Additional Rates and Fees

Cash Advance Rate	30.49% 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	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 21 billing cycles. After that, a variable APR currently 16.99% – 27.99%.
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel 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 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: 21 billing cycles from account opening
Ongoing APR: 16.99% - 27.99% variable APR for both purchases and balance transfers
Balance transfer fee: 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	18.24% – 27.74%* Variable	18.24% – 27.74%* 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
18.24% – 27.74%* Variable
Regular Balance Transfer APR
18.24% – 27.74%* Variable

Additional Rates and Fees

Cash Advance Rate	28.49%* 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*

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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% – 27.74%.
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: 18.24% - 27.74% 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: 17.49%, 23.99%, 28.24% 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.

5 cards with 0% intro APR until 2027

Brad Hanson

Advertiser Disclosure

BankAmericard® credit card: 0% intro APR for 21 billing cycles

BankAmericard® credit card

BankAmericard® credit card

Chase Slate®: 0% intro APR for 21 months

Chase Slate®

Chase Slate®

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

U.S. Bank Shield™ Visa® Card

U.S. Bank Shield™ Visa® Card

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

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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