Longest 0% Intro APR Credit Cards This Week, Sept. 21, 2025: Take Control of Your Debt
High interest rates — often over 20% — can make it feel impossible to get ahead. Even a small balance grows fast, and the stress adds up just as quickly.
That’s why a 0% intro APR card can be a game-changer. It gives you a break from interest, so you can focus on paying down debt, covering a big expense, or simply catching your breath.
Some of this week’s best offers give you up to 24 months with no interest on purchases, balance transfers, or both. Plus, many come with no annual fee, rewards, or even a sign-up bonus to help you save more.
Looking to take back control and avoid interest into 2027? These are the longest 0% intro APR credit card offers right now.
Wells Fargo Reflect Card: 0% intro APR for 21 months from account opening on balance transfers and purchases
Citi Diamond Preferred: 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases
Citi Double Cash: 0% intro APR for 18 months on Balance Transfers, plus 2% cash back on every purchase
Discover it® Chrome: Generous intro APR plus end-of-year cash back match for first year
Chase Freedom Unlimited®: 0% Intro APR on Purchases and Balance Transfers for 15 months
U.S. Bank Shield™ Visa® credit card: 0% intro APR for 24 billing cycles on balance transfers and purchases
How a 0% intro APR card can save you big on interest
Paying off credit card debt can feel slow when interest is eating up most of your payment. With a 0% intro APR card, that changes. When you transfer your balance, you stop paying interest for a set period — sometimes up to 24 months.
That means more of your money goes straight to the balance, helping you pay it down faster and save a lot on interest along the way.
Finding the right 0% intro APR card
Start by asking what you need the card for:
- Big purchase? Choose one with a 0% intro APR on new purchases.
- Paying off debt? Look for a strong balance transfer offer.
Then, check the details:
- How long is the intro period? The longer, the better — as long as you can pay off the balance before interest kicks in.
- Are there fees? Watch for annual fees or balance transfer fees that could cut into your savings.
- What’s your credit score? Most top offers go to those with good to excellent credit.
Find a card that matches your goal and gives you the best shot at saving money.
Is a 0% intro APR card the right option for you?
You don’t have to be deep in debt to benefit. A 0% intro APR card can help in lots of situations. Maybe you’re planning a big expense — like a wedding, home project, or move — and want to pay it off over time without interest. Or maybe you just want more flexibility in your monthly budget.
If you’re dealing with high-interest debt, this kind of card can give you a break and help you catch up. Either way, these offers can make a big difference — and one of this week’s top picks might be the right fit.
Bottom line: Pay no interest for up to 2 full years
Some cards this week offer 0% intro APR for 15-21 months — and one goes as long as 24 months. That’s two full years to tackle debt or cover big purchases without paying a cent in interest.
Our favorite 0% intro APR card this week is the Wells Fargo Reflect® Card (rates and fees) — it offers one of the longest intro APR periods out there, perfect if you want maximum time to pay off your balance interest-free.
But these offers won’t stick around forever. If you’re thinking about applying, now’s a great time to jump in. Ready to find your match? Check out our full list of the best 0% intro APR cards available now.
