✅ Last updated: March 2025 — We check all card details every month.
💡 Simple rule: 0% APR cards are like a free loan for a limited time. The key is to pay off your balance BEFORE the 0% period ends — after that, normal high interest kicks in.
Longest 0%
★★★★★
4.8 / 5.0
Citi Diamond Preferred®
Zero interest for 21 months — almost 2 full years
0% for 21 monthsNo annual fee3% transfer fee
What it does: If you owe $3,000 on another card charging 20% interest, that costs you $600/year. Move that balance here and pay zero interest for 21 months instead. A 3% one-time fee applies when you transfer.
✅ Good for: People with high-interest credit card debt they want to pay off without more interest charges.
❌ Not for: People looking for rewards. This card earns nothing — it exists purely to save money on interest.
Buy now, pay later with no interest for 15 months AND earn rewards
0% for 15 months3% groceriesNo annual fee
What it does: Making a big purchase? Buy it on this card and pay it off slowly over 15 months with zero interest. Plus earn 3% back on groceries while you do it.
✅ Good for: People planning a big purchase they want to pay off slowly over the next year.
❌ Not for: People with existing debt on another card. The Citi Diamond is better for balance transfers.
14 months 0% AND your cash back gets doubled in year one
0% for 14 months5% cash backCash back matched yr 1
What it does: Two good things in one card. First: zero interest for 14 months. Second: every dollar of cash back you earn in year one gets matched by Discover automatically at year end.
✅ Good for: People who want 0% interest AND rewards at the same time.
❌ Not for: People with existing debt to transfer. This card's 0% is only on new purchases.
2% cash back on everything PLUS 0% for 18 months on balance transfers
2% on everything0% BT 18 monthsNo annual fee
What it does: This card does two things well: pays 2% cash back on everything you buy AND offers 18 months of 0% interest on balances moved from other cards.
✅ Good for: People who want to pay off old debt AND earn rewards on new spending at the same time.
❌ Not for: People who want the absolute longest 0% period — Diamond Preferred gives 21 months vs 18.
The normal interest rate kicks in automatically — usually 20%–29% APR. Set a reminder 2 months before the end date and try to pay off the full balance before then.
❓ What is the difference between 0% on purchases vs 0% on balance transfers?
0% on purchases: new things you buy have no interest. 0% on balance transfers: debt you move FROM another card has no interest. Some cards offer both — check before applying.
❓ Is a balance transfer fee worth it?
Usually yes. A 3% transfer fee on $5,000 = $150 cost. Without transfer, 20% interest on $5,000 = $1,000/year. The fee pays for itself in under 2 months.