Finance your next big purchase at 0% interest.
Compare cards offering 12 to 21 months interest-free on purchases and balance transfers. Find the right runway for your situation: home improvement, medical bills, weddings, everyday expenses, or existing debt.
- +Independent, vendor-neutral
- +No issuer pays for placement
- +Use-case first, not card-first
What are you financing?
Pick a use case
Kitchen, bath, HVAC. Beat Home Depot deferred interest.
Dental, surgery, orthodontics. Avoid CareCredit traps.
Deposits, vendors, the float through the big day.
Appliances, furniture, electronics over $1,000.
Existing card debt. Cross-link to our sister site.
Best 0% APR cards, ranked by runway length
Sortable by intro period and credit score. Click any row to expand and see the issuer page each figure was read from, and the date we read it. Rows tagged "check with issuer" have a figure the issuer does not publish in a form we can read, so we flag it instead of estimating it.
| Card | BT fee | Score | Best for | ||||
|---|---|---|---|---|---|---|---|
01 | 21 mo0% APR | 21 mo0% APR | 5% (min $5) | 17.49% to 28.24% | Good to Excellent (690+) | The longest verified runway, on purchases and transfers alike | Expand |
02 | 21 mo0% APR | 21 mo0% APR | 5% of each transfer | 14.99% to 25.99% | Good (670+) | A long runway with the lowest fallback APR we can verify | Expand |
03 | 18 mounconfirmed | 18 mounconfirmed | 5% (min $5) | Not published | Good (670+) | People worried about missing a payment during the runway | Expand |
04 | 15 mo0% APR | 15 mo0% APR | 3% intro, then 5% | 17.49% to 26.49% | Good (670+) | First-year cashback match alongside a 15-month runway | Expand |
05 | 15 mo0% APR | 15 mo0% APR | Not published on the product page | 18.24% to 27.74% | Good to Excellent (700+) | Earning cash back while paying off a smaller balance | Expand |
06 | 15 mo0% APR | 15 mo0% APR | 3% (min $5) | 19.49% to 28.49% | Good to Excellent (700+) | Pairing 0% on a planned purchase with grocery cashback | Expand |
07 | not offered | 18 mounconfirmed | See issuer | Not published | Good to Excellent (700+) | Debt consolidation alongside flat 2% on new spend | Expand |
Every figure above is read from the issuer's own site or card agreement, not from comparison sites, and each row links to the source it came from with the date we last read it. Rows marked "check with issuer" have at least one figure Citi or Chase does not publish in a form we can read; we flag those rather than estimate them. Card terms change often, so confirm current terms with the issuer before you apply.
What does your interest-free runway look like?
Enter what you are buying and how long the 0% intro period lasts. We will show your required monthly payment, the interest you avoid, and what happens at month 22 if you still carry a balance.
Your numbers
What you plan to charge or transfer.
From card opening, around 12 to 21 months. Verify the exact term.
The average US credit card APR for comparison. Adjust if yours differs.
Plain English
Pay $405 a month for 21 months and clear $8,500 with no interest. Skipping a 22% card on the same balance saves you about $2,193.
Comparison ignores rewards, transfer fees, and any balance still owed at month 22. Use this as an order-of-magnitude check, not financial advice.
Who benefits most from 0% APR?
Large purchase planner
You know what you want to buy and need the cheapest way to spread $1,000 to $15,000 over 12 to 21 months. A 0% card eliminates interest entirely.
Debt consolidator
You are carrying card balances at 20% plus. A 0% balance transfer lets you stop the interest clock and focus payments on the principal.
Financially savvy optimizer
You use 0% cards strategically to float expenses while cash sits in a high-yield account. You want the longest runway and the lowest fees.
Three picks for three different jobs
No issuer paid for these slots. Picks reflect editorial judgement based on the runway, fees, and supplementary perks that show up in the table above.
Reflect Card
Around 21 months 0% on both purchases and BT. Cell phone protection up to $600 per claim. Solid pick if you want flexibility for new spend and old debt.
BankAmericard
Around 21 billing cycles at 0%, then the lowest fallback APR range in the table. Worth a look if there is any chance a balance survives past the intro window.
Freedom Flex
Around 15 months at 0% plus 1.5% to 5% cashback on every purchase. Better total value than the longest runway when your balance clears within 12 to 14 months.
0% APR: the questions you keep asking
6 questionsIt depends on what you are financing and how long you need. For a single large purchase you want to spread out, the longest runway available (around 21 months) wins. For someone juggling both a planned purchase and existing card debt, a balanced runway of around 21 months across both purchases and balance transfers makes more sense. For a smaller balance you can clear in a year, a shorter runway with cashback rewards probably leaves you better off overall.
Other independent card comparisons we run
Sister sites for adjacent decisions, all built by Digital Signet.
Balance transfer cards
Sister site with deeper BT strategy, fee analysis, chaining playbook.
No annual fee cards
Most 0% cards have no annual fee, so the overlap is significant.
Fair credit cards
If your FICO is below 670 and most 0% cards are out of reach.
Permanently low APR cards
For people who want a low ongoing rate, not a promotional one.