7 Credit Cards That Offer The Longest 0% Intro APR

7 Credit Cards That Offer The Longest 0% Intro APR

December 1, 2014         Written By Jason Steele

These offers, valid when the article was written, may have expired. View our full editorial disclaimer here.

Obtaining an interest free line of credit is one of the most valuable offers available from a credit card issuer, especially for those who are trying to pay off their debt. In fact, there are many credit cards that offer 0% APR promotional financing on new purchases, balance transfers, or both.

Although federal law now requires these limited time offers last for at least six months, there are some that offer significantly more generous terms. Here are seven of the current offers that feature the longest interest free financing available:

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

Citi Simplicity® Card – No Late Fees Ever

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Along with no annual fee on the Citi Simplicity® Card – No Late Fees Ever, the card comes with one of the best introductory offers of any major credit card: 0% APR for 12 months on purchases and 21 months for balance transfers, as long as the transfer is made within the first four months of being a cardholder. Subsequently, cardholders can expect an APR of 14.74% - 24.74% (Variable) depending on their credit worthiness. The card also has no annual fee, late fees or penalty fees. The card does not have a rewards program. You’ll need an excellent credit profile to be approved for this card.

Citi® Double Cash Card – 18 month BT offer

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The Citi® Double Cash Card – 18 month BT offer offers you the chance to earn cash back twice on everything you buy. You earn 1% cash back on all purchases at the time of the transaction, and another 1% when payment is made, for a total of 2% cash back. This card also offers 18 months of 0% APR introductory financing on balance transfers, with a 3% balance transfer fee. Once the promotional financing rate expires, a standard interest rate of 13.99% – 23.99% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate. There is no annual fee on this card.

Capital One® SavorOne® Cash Rewards Credit Card

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The Capital One® SavorOne® Cash Rewards Credit Card is marketed to foodies—people who love dining out or creating meals at home. Cardholders earn 1% cash back on all purchases, but the rewards are particularly good on dining out and entertainment (3% cash back) and grocery store purchases (2% cash back). New SavorOne cardholders receive a $150 cash bonus when they spend $500 within the first three months of being a card member. The SavorOne card has an APR of 15.49% - 25.49% (Variable), depending on the cardholder’s credit. It has no annual fee and no foreign transaction fees. There is a nice introductory offer of 0% APR for 15 months on both purchases and balance transfers.

Citi® Diamond Preferred® Card

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This card has one of the industry’s best introductory offers in terms of APR. The Citi® Diamond Preferred® Card has a 0% introductory APR for 21 months on balance transfers (must be made within the first four months of card membership) and 12 months on purchases. Then, an ongoing APR between 13.74% – 23.74% (Variable) depending on your credit worthiness. There is no annual fee on this card but there is a 5% balance transfer fee on the amount transferred.

Capital One® VentureOne® Rewards Credit Card

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The Capital One® VentureOne® Rewards Credit Card is considered one of the best travel rewards card in the industry due to its low fees and great rewards opportunities. It offers 0% APR for the first 12 months on purchases, and then a relatively low 14.49% - 24.49% (Variable) APR after that. For those who like to travel abroad, Capital One VentureOne has no foreign transaction fees. You get 1.25 miles for every $1 you spend on the card, which can be redeemed for travel expenses. This is in addition to the 20,000 bonus miles you’ll receive (equivalent to $200) if you spend more than $1,000 on your card during the first three months of card ownership. These miles can be used on any airline or hotel, and have no blackout dates. The card has no annual fee.

Capital One® Quicksilver® Cash Rewards Credit Card

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The Capital One® Quicksilver® Cash Rewards Credit Card offers customers 1.5% cash back on all purchases with no limits. New cardholders receive a $150 cash bonus when they spend $500 on purchases within the first three months of opening the account. Customers get 15 months of interest-free financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the introductory financing period ends, the standard interest rate of 15.49% - 25.49% (Variable) applies. This card only requires the applicant to have a good credit score. There is no annual fee on this card.

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

Citi Rewards+℠ Card

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The Citi Rewards+℠ Card is a new and unique rewards card. Citi rounds up the ThankYou points earned with each purchase to the nearest 10. For instance, if a purchase qualifies for 15 ThankYou Points, that reward will be rounded up to 20 points. This occurs for every transaction, no matter how small. The card features a 15,000 ThankYou Point sign-up bonus. To earn the extra rewards, cardholders must spend $1,000 on the card during the first three months of card membership. The card earns two points per $1 spent at gas stations and supermarkets, for the first $6,000 in annual purchases made in those categories. All other transactions earn one point per $1. Cardholders will also get back 10% of their rewards on the first 100,000 points they redeem each year. There is a foreign transaction fee of 3%, as well as a balance transfer fee of $5 or 3% per transaction, whichever is greater. The introductory APR on purchases and balance transfers is 0% for the first 15 months. The standard APR is 13.49% - 23.49% (Variable), depending on credit worthiness. There is no annual fee on this card.



The information contained within this article was accurate as of December 1, 2014. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


jasonsteele

About Jason Steele

Jason Steele is a journalist that covers credit cards, travel and consumer credit. As one of the nation's leading experts in credit cards, Jason has contributed to dozens of travel and personal finance outlets including NerdWallet, Credit Karma and the Points Guy, where he serves as the Senior Points and Miles Contributor. Jason has also been widely quoted in mainstream media in outlets such as the Washington Post, the USA Today and Bloomberg Business Week. Jason is also the founder and producer of CardCon, which is the annual Conference for Credit and Credit Card Media.
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