FEATURED ON

Pay 0% Interest Until Nearly 2025

Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings each year. Check out these featured card offers from our partners below.
Last updated Feb. 8, 2023 | By FinanceBuzz Editors

We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

BankAmericard® credit card

0% Interest on Purchases and Balance Transfers for Nearly 2 Years

If you have lingering credit card debt with high interest rate charges from other cards, the BankAmericard® credit card can help you squash that debt without pesky charges.

Enjoy a 0% introductory APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 21 billing cycles. This new extended intro period gives you extra time to pay down your balances. After the intro period, the APR is 16.24% - 26.24% Variable.

This card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.

Plus, sometimes credit cards will charge penalty APR if you have late payments, but there is no penalty APR with the BankAmericard® credit card. This credit card can be powerful for helping to get your finances in order.

Click here to apply for the BankAmericard® credit card now.

Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & BALANCE TRANSFERS

Imagine getting 18 months with 0% interest on a balance transfer or a big purchase. Sounds great — right? What if you could also extend the intro APR by an additional 3 months by making on-time minimum monthly payments? It's possible with this industry-leading card — the Wells Fargo Reflect® Card Rates and Fees.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for up to 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for up to 21 months from account opening on purchases. After the intro period for purchases and balance transfers, then APR is 17.49% - 29.49% variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect® Card now.

U.S. Bank Visa® Platinum Card

0% INTRO APR FOR 18 billing cycles

Take a break from interest payments with the U.S. Bank Visa® Platinum Card. With a 0% intro APR period that extends 18 billing cycles, you can pause your interest payments until August 2024—giving you plenty of time to pay down your debt without the added stress and worry of accumulating interest.

Upon account opening, cardholders can enjoy an extended 0% intro APR for 18 billing cycles on balances transferred in the first 60 days, plus a 0% introductory APR on purchases for 18 billing cycles. That's more than a full year of not having to worry about accumulating interest on new purchases! After the intro period, the APR is 18.99% - 28.99% (Variable).

One more perk you don't want to overlook: Use your U.S. Bank Visa® Platinum Card to pay your cell phone bill, and you’re covered up to $600 against theft and damage.

Annual Fee: $0

Click here to apply for the U.S. Bank Visa® Platinum Card now.

Wells Fargo Active Cash® Card

15 MONTHS OF 0% INTRO APR + EARN unlimited 2% cash rewards on purchases

If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card Rates and Fees checks both of those boxes!

New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 19.49%, 24.49%, or 29.49% variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $1,000 in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash® Card now

Bottom Line

The BankAmericard® credit card is a great choice for almost everyone. Who doesn't love 21 billing cycles with 0% interest on a balance transfer or a big purchase — all without an annual fee? 

  • Intro APR: Enjoy a 0% introductory APR on purchases for 21 billing cycles then 16.24% - 26.24% Variable. You also get a 0% intro APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days then 16.24% - 26.24% Variable.
  • No annual fee: The BankAmericard has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
  • Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. BankAmericard gives cardholders access to their FICO credit score for free online or through the Bank of America mobile app.
  • No-penalty APR: Sometimes credit cards will charge penalty APR if you fall behind on your payments. Typically this is higher than the APR on regular purchases. There is no penalty APR with the BankAmericard. 
  • Security: Stay safe with the BankAmericard. It offers fraud protection, including alerts to any suspicious spending patterns. Cardholders always receive a $0 liability guarantee for fraudulent transactions.

» Click here to apply now and pay 0% interest until nearly 2024

Great for 0% Intro APR on Balance Transfers and Purchases

BankAmericard® credit card

Benefits

Card Details

  • Extensive intro APR on qualifying balance transfers and purchases
  • FICO Credit score monitoring
  • No annual fee
  • Apply Now
  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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.
Apply Now

on Bank of America’s secure website

Read Card Review

Intro APR

0% intro APR for 21 billing cycles on purchases and qualifying balance transfers, then 16.24% - 26.24% Variable

Annual Fee

$0

+
-

Why we like it

  • Competitive 0% intro APR for 21 billing cycles on purchases and qualifying balance transfers, then 16.24% - 26.24% Variable
  • $0 annual fee
  • Apply Now

How we chose these cards

FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.