Stop wasting money on interest fees! If you’re carrying a balance on one (or several) credit cards, you’re probably paying interest fees each month. Or if you need to make a large purchase that you can’t pay off for a while, you’ll likely start racking up substantial interest on your card. The fees might not seem like that big of a deal, but over time they can add up to a lot of dough and make it much more difficult and expensive to pay down your balance. Did you know there’s a way to avoid paying interest on your credit card balances? By taking advantage of a card with a long 0% intro APR, you can essentially get a free loan and pay down your balance without spending a dime in interest.
The question is, which cards offer the most competitive features and longest 0% intro APRs? We’ve done the research and found the best. In fact, with some of these cards the 0% intro APR is so outrageously long you’llpay absolutely no interest until 2018!!! Our list of the top 0% intro APR cards is below.
Citi Simplicity Card With an amazing21-month 0% intro APR on balance transfers and purchases, theCiti Simplicity Card(a NextAdvisor advertiser) will take you all the way into 2018 without paying a dime in interest. It sounds crazy, but it’s true. There is a 3% balance transfer fee, but given the lengthy 0% intro APR period, it still might be worth transferring a balance to this card (to find out, use our freeBalance Transfer Calculator). Additionally, there are no late fees, no annual fee and no penalty rates imposed. This means if you happen to be late with a payment, you won’t be penalized with a higher ongoing interest rate after the 0% intro APR period is over. It does require excellent credit, so if you’re in more of the good credit range considerChase Slate, which is discussed below. We really like Citi Simplicity because of its super-long 21-month 0% intro APR, lack of late fees and $0 annual fee.
Citi Diamond Preferred Card Similar to Citi Simplicity, theCiti Diamond Preferred Card(a NextAdvisor advertiser) features a spectacular21-month 0% intro APR on balance transfers and purchases. It also has a very reasonable ongoing interest rate after the 0% intro period is up. If you’re transferring a balance, you will need to pay a 3% balance transfer fee, but paying no interest until 2018 could make it worthwhile. Take a look at our freeBalance Transfer Calculatorto see whether this card will work best for your needs. Additionally, the Citi Diamond Preferred Card has absolutely no annual fee and provides a free monthly Equifax FICO Score. You do need excellent credit to qualify for the card, so if you’re not necessarily in that range check out one of the cards listed below that only require good credit.
These cards won’t quite take you into 2018, but they still have some terrific features and we highly recommend them.
Chase Slate If you’re worried about paying a fee to move your balance from your current card(s) to a new card, worry no more.Chase Slatehas absolutelyno balance transfer feesfor transfers completed within the first 60 days your account is open, which means you can transfer your balances from cards with high ongoing APRs to Slate without paying a cent in fees. On top of that, you’ll enjoy a15-month 0% intro APR on both balance transfers and purchases. And if you happen to have a ding or two on your credit reports, Chase Slate isavailable to those with good credit(rather than “excellent” credit), which is typically a credit score above 700. Although this card doesn’t quite make it to 2018 with its 0% intro APR, the no annual fee and $0 intro balance transfer fee make it a very compelling choice.
Citi Double Cash Card – 18 month BT offer With a nice balance of cash back rewards and an 18-month 0% intro APR on balance transfers, theCiti Double Cash Card – 18 month BT offer(a NextAdvisor advertiser) hits the spot. There is no annual fee, and the card is available to those with good credit (670+ credit score), but there is a 3% balance transfer fee. Citi Double Cash’s cash back potential is substantial, with aneffective 2% back on every single purchase. You’ll get 1% back when you make the purchase and the other 1% when you pay for it, making this an ideal card for making a big purchase you may not be able to pay off for a while. You’ll also receive a free monthly Equifax FICO score, helping you to track your credit over time. Altogether this is a winner of a card, mixing generous cash back with a lengthy 0% intro APR and no annual fee.
Discover it — 18 month Balance Transfer Offer Combining cash back rewards with a18-month 0% intro APR on balance transfersand a low ongoing APR,Discover itpacks a big punch. Transfers incur a 3% balance transfer fee, but this is pretty standard. Discover it also offers a 6-month 0% intro APR on purchases. Plus, you’ll earn5% cash backin categories that rotate each quarter (on up to $1,500 in purchases) and 1% back on everything else. Some of the past 5% categories include Amazon.com, gas and restaurants. There is no annual fee and you’ll get a free TransUnion FICO Score each month. As an added bonus, Discover it isavailable to those with average creditwhich is usually considered to be a credit score of 650 and up.
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