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How Does LendingTree Get Paid?

How LendingTree Gets Paid

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Longest 0% Intro APR Credit Cards

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Advertising Disclosure: LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Whether you need to make an expensive purchase or pay off high-interest credit card debt, a 0% intro APR credit card can help you save money by eliminating interest charges for a limited period of time.

Carrying a balance can be expensive as interest charges are added to an unpaid balance every month, making it that much more difficult to dig out of debt. A study by LendingTree found interest rates averaging 16.43% for all credit card accounts that accrue interest.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we’ve rounded up the longest 0% APR credit cards that don’t charge an annual fee.

We also go over some situations where these cards can be helpful, so you can decide if opening a 0% intro APR credit card is worth the hard inquiry on your credit report. You can also skip directly to our card recommendations or check out some answers to frequently asked questions.

When to use an intro 0% APR credit card

A card offering an intro 0% APR on new purchases can be helpful when you need time to pay off a big-ticket item. Whether it’s remodeling a bathroom or fixing your car’s transmission, using a long intro 0% APR credit card is an easy way to stretch out your payments over time without paying interest.

Once the intro period expires, any balance remaining will be subject to the ongoing APR.

If you’re looking for a way to consolidate debt for a longer period of time than these cards offer, take a look at our debt consolidation guide to figure out whether a personal loan is a better option than a balance transfer card.

A balance transfer card allows you a break from interest charges while you pay off debt transferred from another credit card. When you do a balance transfer to an intro 0% APR card, that gives you a window of time when the entire payment goes toward the principal of your debt, rather than the principal plus interest. You may have to pay a balance transfer fee on the amount transferred (though there are cards on this list with no balance transfer fee), but that fee may be worth it if you save more in interest than you pay to make the transfer.

Use a balance transfer calculator to estimate how long you’ll need to pay off a transferred balance depending on what you can afford to pay each month.

Longest intro 0% APR credit cards

20-month intro 0% APR period

U.S. Bank Visa® Platinum Card

Disclosures |
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
on U.S. Bank's secure site
0% intro APR for 20 billing cycles on Purchases*
14.49% - 24.49%* (Variable)
$0*
None
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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 your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% intro APR for 20 billing cycles on Purchases*. After that, a 14.49% - 24.49%* (variable) APR applies.
  • Intro balance transfer APR: 0% intro APR for 20 billing cycles on Balance Transfers*. After that, a 14.49% - 24.49%* (variable) applies.
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Additional benefits: $0* annual fee. Receive cell phone coverage for damage or theft up to $600 per claim, with a $25 deductible, for up to two claims (maximum $1,200) per 12-month period, when you pay your cellphone bill every month with your card.

18-month intro 0% APR period

Citi Simplicity® Card

Disclosures |
Citi Simplicity® Card
Citi Simplicity® Card
on Citibank's secure site
0% for 18 months on Purchases
14.74% - 24.74% (Variable)
$0
N/A
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
690 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% for 18 months on purchases. After that, an APR of 14.74% - 24.74% (variable) applies.
  • Intro balance transfer APR: 0% for 18 months on balance transfers. After that, an APR of 14.74% - 24.74% (variable) applies.
  • Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater.

Additional benefits: $0 annual fee. If you miss a payment, you won’t incur a fee or see your interest rate spike, since there are no late fees and no penalty APR.

Citi® Diamond Preferred® Card

Disclosures |
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
on Citibank's secure site
0% for 18 months on Purchases
13.74% - 23.74% (Variable)
$0
N/A
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% for 18 months on purchases. After that, an APR of 13.74% - 23.74% (variable) applies.
  • Intro balance transfer APR: 0% for 18 months on balance transfers. After that, an APR of 13.74% - 23.74% (variable) applies.
  • Balance transfer fee applies with this offer: 3% of each balance transfer; $5 minimum.

Additional benefits: $0 annual fee.  Plus, Citi Entertainment provides special access to tickets for concerts, sporting events, dining experiences and more.

Citi® Double Cash Card – 18 month BT offer

Disclosures |
Citi® Double Cash Card
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
13.99% – 23.99% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: N/A. The regular purchase APR is 13.99% – 23.99% (variable).
  • Intro balance transfer APR: 0% for 18 months on balance transfers. After that, an APR of 13.99% – 23.99% (variable) applies.
  • Balance transfer fee: 3% of each balance transfer; $5 minimum.

Additional benefits: $0 annual fee. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

BankAmericard® credit card

Disclosures |
BankAmericard® credit card
BankAmericard® credit card
on Bank of America's secure site
0% Intro APR for 18 billing cycles for purchases
12.99% - 22.99% Variable APR
$0
Non-rewards card
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers 
  • No annual fee 
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply 
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% Intro APR for 18 billing cycles for purchases, then 12.99% - 22.99% Variable APR.
  • Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After that, a 12.99% - 22.99% Variable APR applies.
  • Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.

Additional benefits: There’s no penalty APR on this card, so if you make a late payment, it won’t cause your interest rate to go up. (Of course, any payment later than 60 days will be reported to the credit bureaus.)

HSBC Gold Mastercard® credit card

Intro 0% APR offers:

  • Intro purchase APR: 0% Introductory APR on credit card purchases for the first 18 months from account opening. Then, a Variable APR of 13.99% - 23.99% will apply after the Introductory Period.
  • Intro balance transfer APR: 0% Introductory APR on balance transfers for the first 18 months from account opening. Balance Transfers must be posted within the first 60 days following Account opening. Then, a Variable APR of 13.99% - 23.99% will apply after the Introductory Period.
  • Balance transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.

Additional benefits: $0 annual fee. You get one late-fee waiver each year with this card, and there’s no penalty APR.

Wells Fargo Platinum card

Disclosures |
Wells Fargo Platinum card
Wells Fargo Platinum card
on Wells Fargo's secure site
0% intro APR for 18 months from account opening
16.49%-24.49% (Variable)
$0
None
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • 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 your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% intro APR for 18 months from account opening. After that, a 16.49%-24.49% (variable) APR applies.
  • Intro balance transfer APR: 0% intro APR for 18 months on qualifying balance transfers on qualifying balance transfers. After that, a 16.49%-24.49% (variable) APR applies.
  • Balance transfer fee: 3% intro for 120 days from account opening, then up to 5%; min: $5

Additional benefits: $0 annual fee. If your cell phone is damaged or stolen and your monthly bill is paid with your card, you can receive up to $600 of protection per claim (subject to $25 deductible) and a maximum of $1,200 per 12-month period.

15-month intro 0% APR period

Chase Slate®

Intro 0% APR offers:

  • Intro purchase APR: 0% Intro APR on Purchases for 15 months. After that, a 16.49% - 25.24% variable APR applies.
  • Intro balance transfer APR: 0% Intro APR on Balance Transfers for 15 months. After that, a 16.49% - 25.24% variable APR applies.
  • Balance transfer fee: $0 for the first 60 days that your account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.

Additional benefits: Get 3 months of complimentary membership in DashPass — DoorDash’s subscription service providing unlimited deliveries with no delivery fee for orders that are at least $12 (other fees may apply). After the 3 months ends, you’ll be automatically enrolled in DashPash at 50% off the regular price for the next 9 months. Activate by Dec. 31, 2021. The card is also contactless, so you can tap to pay.

Capital One Quicksilver Cash Rewards Credit Card

Disclosures |
Capital One® Quicksilver® Card
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
15.49% - 25.49% (Variable)
$0
1.5% Cash Back on every purchase, every day
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% intro on purchases for 15 months. After that, a 15.49% - 25.49% (variable) APR applies.
  • Intro balance transfer APR: N/A
  • Balance transfer fee: $0 at this Transfer APR

Additional benefits: $0 annual fee. Cardholders earn 1.5% cash back on every purchase, every day. Plus, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. And the card offers a variety of travel benefits, such as roadside assistance and travel accident insurance — as well as exclusive access to entertainment, sporting events and dining experiences.

Chase Freedom Flex℠

Disclosures |
Chase Freedom Flex℠
Chase Freedom Flex℠
on Chase's secure site
0% Intro APR on Purchases for 15 months
14.99% - 23.74% Variable
$0
Earn 5% cash back on eligible purchases in rotating categories, 5% on
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% Intro APR on Purchases for 15 months. After, a 14.99% - 23.74% variable APR applies.
  • Intro balance transfer APR: N/A
  • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Additional benefits: $0 annual fee. Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. In addition, new cardholders earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. and earn 5% cash back on grocery store purchases (not including target® or walmart® purchases) on up to $12,000 spent in the first year.

And finally, this card also offers purchase protection, extended warranty protection, auto rental collision damage waiver, trip cancellation/interruption insurance, and Mastercard World Elite benefits, such as cellphone protection.

Chase Freedom Unlimited®

Disclosures |
Chase Freedom Unlimited®
Chase Freedom Unlimited®
on Chase's secure site
0% Intro APR for 15 months
14.99% - 23.74% Variable
$0
Earn 5% cash back on travel purchased through Chase, 3% on dining
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% Intro APR for 15 months. After that, a 14.99% - 23.74% variable APR applies.
  • Intro balance transfer APR: N/A
  • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Additional benefits: $0 annual fee. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. You can also earn 5% cash back on Lyft rides through March 2022. This card also has purchase and extended warranty protection and is contactless, so you can just tap to pay for purchases in-store. For ongoing rewards: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.

Blue Cash Everyday® Card from American Express

Disclosures |
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
on American Express's secure site
Terms Apply
0% on purchases for 15 months
13.99%-23.99% Variable
$0
3% cash back at U.S. supermarkets (on up to $6,000 per year
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% on purchases for 15 months. After that, a 13.99%-23.99% Variable APR applies.
  • Intro balance transfer APR: N/A
  • Balance transfer fee: N/A

Additional benefits: $0 annual fee. This card offers a rewards program where you earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Terms apply. You can also earn $100 back after you spend $2,000 in purchases on your new card within the first 6 months of card membership. Cash back can be redeemed as a statement credit. Other benefits include car rental loss and damage insurance and exclusive access to ticket presales for entertainment events, extended warranty and purchase protection, cellphone protection, return protection, baggage insurance, Global Assist, trip delay, interruption and cancellation insurance. Terms apply.
To see the rates and fees for Blue Cash Everyday® Card from American Express, please click here .

Capital One SavorOne Cash Rewards Credit Card

Disclosures |
SavorOne
Capital One SavorOne Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
15.49% - 25.49% (Variable)
$0
3% Cash Back on dining and entertainment; 3% Cash Back on popular
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% intro on purchases for 15 months. After that, a 15.49% - 25.49% (Variable) APR applies.
  • Intro balance transfer APR: N/A
  • Balance transfer fee: $0 at this Transfer APR

Additional benefits: $0 annual fee. Earn 3% cash back on dining and entertainment; 3% cash back on popular streaming services; 3% cash back at grocery stores; 1% cash back on all other purchases. plus, earn 8% cash back on tickets at vivid seats through january 2023. And there’s a sign-up bonus where you can earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

12-month intro 0% APR period

U.S. Bank Altitude® Go Visa Signature® Card

Disclosures |
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
on U.S. Bank's secure site
0% for 12 billing cycles on purchases*
14.99% - 23.99%* (Variable)
$0*
Earn 4X points on dining, takeout and food delivery, 2X points at
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR offers:

  • Intro purchase APR: 0% for 12 billing cycles on purchases*. After that, a 14.99% - 23.99%* (variable) applies.
  • Intro balance transfer APR: 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After that, a 14.99% - 23.99%* (variable) APR applies.
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Additional benefits: $0* annual fee. There’s a $15 credit for annual streaming service purchases such as Netflix and Spotify®. The rewards rate is also very generous for foodies: Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases..

FAQs about credit card intro APRs

How does an intro APR work on a credit card?

When using a credit card, you generally incur interest charges on any balance not paid off by the payment due date. With a card with an intro APR period, you get a certain number of months at a reduced interest rate or with no interest. A card may offer an intro APR period on purchases, balance transfers, or both. Once the intro period ends, you’ll incur interest at the regular APR.

If you need to finance a big purchase, a credit card with an intro APR period on purchases can allow you to pay off the purchase over time without being charged interest. And if you need to move high-interest debt on one card to a balance transfer card with an intro APR period, that can give you some relief from interest charges and let you work on paying down just the principal of your debt instead of the principal plus interest.

Is an intro APR different than deferred interest?

Yes, intro APR and deferred interest are two different types of promotional periods. The way deferred interest works, if you don’t pay off the balance in full by a certain date, you’ll owe back interest from the date of purchase. Deferred interest deals are often promoted on store cards. With an intro APR offer, you’ll only be charged interest on any remaining unpaid balance after the intro APR period ends.

Are there credit cards with no balance transfer fees?

Yes, it is possible to find a card that doesn’t charge a balance transfer fee. However, those tend to come with shorter promotional periods. For a balance transfer card with a long promotional period, you will most likely end up having to pay a fee ranging from 3% to 5% of the amount transferred, which is then added to your balance.

Can I get a balance transfer card with fair credit?

Typically, balance transfer cards require good credit (a FICO Score of at least 670) or better to qualify for. If you have poor or fair credit, you may not qualify for a balance transfer card.

How high of a balance can I transfer to my new card?

This depends on your issuer. Some issuers allow cardholders to transfer up to their new balance transfer card credit limit, minus the amount of the balance transfer fee. Other issuers impose caps on how much you can transfer. The best way to find out is to call the issuer before you apply to see what the balance transfer limits are.
The information related to the Citi Simplicity® Card , the HSBC Gold Mastercard® credit card, and the Chase Slate® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of these cards prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.