No, there are no 0% interest credit cards for 36 months on the market right now - at least among Visa, Mastercard, American Express and Discover offers. One of the longest 0% interest periods is 20 billing cycles, with the U.S. Bank Visa® Platinum Card. It’s much more common, though, to see 0% interest offers of 12 to 18 months.
It is also worth noting that some store credit cards offer 0% interest for 36 months or even more. But there’s a catch called deferred interest. If you don’t pay the balance off within the 0% promotional period, interest is applied to the original balance – like it was there from the start. That means you owe all the interest you would have owed since the date of purchase. That said, if you can make a plan to pay everything back before the intro period ends, some store cards with deferred interest are decent.
While there aren’t any traditional 0% APR credit cards with no interest for 36 months, there are plenty of attractive alternatives.
Here are some of the longest 0% interest credit cards right now:
20 billing cycles: U.S. Bank Visa® Platinum Card
0% for 20 billing cycles intro APR on purchases and 0% for 20 billing cycles on balance transfers. 3% (min $5) balance transfer fee. 14.49% - 24.49%* (V) regular APR.
12 months: Citi® Diamond Preferred® Card
0% for 12 months intro APR on purchases and 0% for 21 months on balance transfers. 5% (min $5) balance transfer fee. 13.74% - 23.74% (V) regular APR.
18 months: Wells Fargo Platinum card
0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. Balance transfer fee: 3% intro for 120 days, then up to 5% (min $5). 16.49% - 24.49% Variable regular APR.
6 - 24 months: Amazon.com Store Card
0% deferred intro APR for 6 - 24 months, depending on the type and amount of the purchase.
Credit card companies make money off of consumers paying interest, so a 0% interest credit card for 36-months is like the bigfoot of credit cards. In other words, you won’t find one now and you probably won’t in the future. You’re much more likely to see 36-month terms on personal loans, auto loans, and deferred interest.
If you need to borrow money for an extended period of time, such as 36 months, then a personal loan might be a reasonable alternative. While you won’t find a zero interest offer for 36 months on a loan, you could pay an APR as low as 5%, depending on your creditworthiness. And you might even be able to get longer repayment terms.
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