6 cards with 0% intro APR until 2027

Looking for credit cards that offer 0% intro APR into 2027? These six options provide promotional periods ranging from 15 to 24 months, depending on when you apply. Leading picks include the U.S. Bank Shield™ Visa® Card with up to 24 months, Wells Fargo Reflect® with up to 21 months, and Citi Simplicity® with 21 months on balance transfers.

Each card offers interest-free financing deep into 2026 and, for many users, well into 2027.

1. Wells Fargo Reflect® Card

The Wells Fargo Reflect Card is one of the longest introductory APR options available for consumers seeking extended repayment time. It offers up to 21 months of zero interest on both purchases and qualifying balance transfers, giving users more than a year and a half to manage important expenses.

0% APR Duration: Twenty‑one months on purchases and on qualifying balance transfers.

Best For: Borrowers who want the maximum time to pay down a large expense, individuals working toward eliminating existing debt, or anyone who needs a long period without interest charges.

Terms: A variable APR applies once the introductory period ends. Balance transfers must meet issuer rules to qualify for the promotional rate.

Fees: No annual fee.

2. U.S. Bank Shield™ Visa® Card

The U.S. Bank Shield Visa Card offers one of the longest interest‑free financing windows available. With up to 24 billing cycles of zero percent APR on both purchases and balance transfers, it can help borrowers extend payments well into 2027.

0% APR Duration: Up to twenty‑four months on purchases and balance transfers.

Best For: Long‑term planners who need the greatest possible repayment runway, consumers consolidating significant debt, or anyone preparing for large planned expenses.

Terms: Applicants generally need good to excellent credit. Balance transfer fees apply.

Fees: No annual fee.

3. Citi Simplicity® Card

The Citi Simplicity Card focuses primarily on helping borrowers manage or consolidate existing balances. It offers a long promotional period on transfers and a shorter window on new purchases. It is also known for having no late fees and no penalty APR.

0% APR Duration: Twenty‑one months on balance transfers and twelve months on purchases.

Best For: Individuals consolidating credit card debt, people who want greater flexibility if they occasionally pay late, and borrowers who value simple terms without rewards complications.

Terms: Balance transfers must be completed within four months of opening the account to qualify for the promotional rate.

Fees: No annual fee and no late fees.

4. Citi® Diamond Preferred® Card

The Citi Diamond Preferred Card is another strong choice for balance transfers. It offers the same long introductory period as the Citi Simplicity Card, along with complimentary access to your FICO Score.

0% APR Duration: Twenty‑one months on balance transfers and twelve months on new purchases.

Best For: Consumers looking to pay down existing debt, people who value having access to their credit score each month, and anyone wanting long promotional terms without rewards.

Terms: This card is oriented toward balance transfers and straightforward repayment rather than ongoing spending.

Fees: No annual fee.

5. BankAmericard® Credit Card

The BankAmericard Credit Card offers a balanced promotional structure for both purchases and balance transfers. Though the duration is shorter than the longest options, it remains a dependable choice for borrowers who prefer a simple, predictable offer.

0% APR Duration: Eighteen billing cycles for purchases and balance transfers if completed within the first sixty days.

Best For: Borrowers who want a simple, no‑frills card; individuals who plan to complete a balance transfer soon after applying; and people who prefer a well‑established issuer.

Terms: To receive the promotional rate on transfers, they must be completed within the first two months of opening the account.

Fees: No annual fee.

6. Chase Freedom Unlimited®

The Chase Freedom Unlimited Card combines a promotional APR with ongoing rewards. Although its zero percent period is shorter than the other cards on this list, it offers strong cashback rates that add long‑term value.

0% APR Duration: Fifteen months on purchases and balance transfers.

Best For: Consumers seeking a blend of rewards and introductory financing, everyday spenders who want to earn cashback, and those looking for a card that remains useful after the intro period ends.

Terms: Rewards include enhanced cashback on travel booked through Chase, dining, and drugstore purchases. A variable APR applies after the promotional period. Balance transfer fees apply.

Fees: No annual fee.

What Does “Until 2027” Mean?

When a credit card advertises a 0% introductory APR that lasts “until 2027,” the exact timing depends on when you open the account. The 0% period typically ranges from 15 to 24 months, so the date you apply determines how far into 2027 the offer will extend.

For example, if you open a card offering a 21-month 0% APR in November 2025, your interest-free period would last through August 2027. If the card offers 18 months, the intro period would end around May 2027.

It’s important to confirm the specific start and end dates of the introductory offer with the card issuer. Promotional periods usually begin at the time of account approval, not the first transaction.

Are 0% APR Cards a Trap?

A 0% APR card can be a smart financial tool, but only if used with discipline. These offers are not inherently risky, but problems arise when balances are not paid off before the promotional period ends.

When used correctly, these cards allow you to:

1. Pay off a major purchase over time without interest
2. Transfer high-interest balances and save money
3. Cover short-term financial gaps without added costs

To use them safely:

1. Always track when the promotional period ends
2. Pay more than the minimum to reduce your balance faster
3. Avoid relying on the card for ongoing purchases if you're carrying a balance
4. Understand that the standard variable APR applies once the 0% period expires

The key is to treat the card as a short-term financing solution, not a long-term borrowing strategy.

Are 0% APR Credit Cards Worth It?

A 0% APR credit card can be worth it if you have a plan to pay down the balance before interest resumes. Compared to personal loans or buy-now-pay-later services, these cards offer flexibility with fewer fees, provided you use them responsibly.

They are particularly helpful for:

1. Consolidating credit card debt at a lower cost
2. Financing one-time large purchases like home improvements or medical bills
3. Managing cash flow during a tight financial period

Because there is no interest during the intro period, every payment you make reduces your balance. This makes it easier to clear the debt on time, especially if you budget for fixed monthly payments.

Where to Get These Cards

You can apply for any of the cards mentioned above directly through the issuer’s website. Before applying, it helps to understand the approval criteria and how to position yourself for the best terms.

Most issuers consider:

1. Your credit score, typically in the good to excellent range
2. Your reported income and existing debt obligations
3. Your recent credit inquiries and account history

Some banks offer pre-qualification tools that allow you to check your likelihood of approval without affecting your credit score. Use these tools when available to avoid unnecessary hard credit pulls.

To maximize your chances of approval:

1. Check your credit report for errors
2. Reduce your existing credit card balances
3. Avoid submitting multiple applications at once

Being selective and strategic can improve both your approval odds and the quality of the offer you receive.

Frequently Asked Questions

Can I apply for more than one 0% APR card at the same time?

Yes, but applying for multiple cards in a short period can lower your credit score due to hard inquiries. It's better to check pre-qualification offers first and apply selectively based on your needs.

Do 0% intro APR cards include balance transfer fees?

Most do. Even if the APR is 0%, issuers typically charge a one-time fee, usually 3% to 5% of the transferred amount. Always factor this in when comparing your total savings.

What happens if I miss a payment during the intro period?

Missing a payment may result in losing the promotional APR. Some cards offer forgiveness for a first missed payment, but it's important to make at least the minimum payment on time every month.

Can I make new purchases after transferring a balance?

Yes, but if the card has a 0% intro APR only on balance transfers, purchases will start accruing interest immediately. Review the offer terms before mixing types of balances.

Is it better to use a 0% APR card than a debt consolidation loan?

It depends. A 0% APR card can be cheaper if you repay the balance before the promotional period ends. Debt consolidation loans may offer longer terms but usually come with interest from the start.

Will using a 0% APR card help improve my credit score?

It can, especially if you keep your utilization low and make consistent on-time payments. Just avoid maxing out the card, even if you're not paying interest right away.

What is the $750 welcome bonus credit card?

Cards offering $750 welcome bonuses typically fall into premium travel or cashback categories. These often don’t include extended 0% APR periods and may require high spending thresholds to qualify.