0% APR Credit Cards: Pay No Interest for up to 21 Months

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Credit Card Applications » Research » Guides » Cardholder Benefits » Interest Free Credit Cards: Pay No Interest for up to 21 months

Interest Free Credit Cards: Pay No Interest for up to 21 months


Updated: May 22, 2020

The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
Interest rate

Carrying a balance on a credit card wastes your money on interest fees. It is easy to avoid interest payments on purchase transactions by paying off the entire card balance by the due date each month. But what to do if you are already carrying some balance and cannot pay it off right away? The decision is a 0% intro APR credit card. The cards do not charge interest while the 0% intro APR is in place, which means you can pay off debt or at least pay down your balance and save money.

These days it is not a problem to find a credit card with a 0% intro APR period. Issuers offer credit cards with long zero introductory periods that don't really require an applicant to have an excellent credit. People with good credit – with credit score somewhere around 700 – have a decent opportunity to pay no interest on balance transfers or purchases until 2021. More than that, those with average credit, typically with the score above 670, can also find a credit card with zero interest and cash back earning opportunities.

To see low interest rates credit cards, check out these low interest credit card offers. If you are looking to transfer a balance from one or two of your current credit cards, use our balance transfer calculator to see your potential savings with available balance transfer offers.


Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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