Chip Lupo, Credit Card Writer
@CLoop
Yes, the Best Buy® Credit Card has an introductory APR of 0% for 24 months on certain purchases. It’s important to pay off the entire balance before the promotional rate expires, though, because the regular APR will apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called deferred interest, and it can be quite costly.
Keep in mind that even though you don’t pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, so that the deferred interest never kicks in. For help planning your payments, try out WalletHub’s Credit Card Calculator.
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People also ask
What happens when 0% APR ends?
When a 0% APR period ends, the credit card’s regular APR will kick in. That rate will apply to any unpaid balance remaining on the credit card as well as any new purchases made from that point on. The regular APR that applies when a 0% APR period expires tends to be very high, so it’s best not to leave much of a balance for it to affect.
The only exception to this rule...
read full answer by Hector Molina, WalletHub AnalystWhat are the longest 0% APR credit cards?
The U.S. Bank Shield™ Visa® Card has the longest 0% APR, offering an introductory APR of 0% for 24 months on purchases and qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.24% - 28.24% (V), and it has a $0 annual fee.
Longest 0% Intro APR Credit Card Offers
- U.S. Bank Shield™ Visa® Card: 0% for 24 months
- Wells Fargo Reflect® Card: 0% for 21 months from account opening
- Chase Slate Edge® credit card: 0% for 18 months
- BankAmericard® credit card: 0% for 18 billing cycles
- Fifth Third 1% Cash/Back Card: 0% for 15 months
- Citi Simplicity® Card: 0% for 21 months
- Citi® Diamond Preferred® Card: 0% for 21 months on balance transfers
These cards come with $0 annual fees and typically require good credit or better (a credit score of 700+) for good approval odds. Most don’t offer any rewards, as they’re designed for financing rather than for everyday spending.
Credit Cards with the Longest 0% APRs Compared
| Card Name | Purchase Intro APR | Transfer Intro APR | Regular APR |
| 0% for 24 months | 0% for 24 months – subject to a balance transfer fee: 5% (min $5) | 17.24% - 28.24% (V) | |
| 0% for 21 months from account opening | 0% for 21 months from account opening on qualifying balance transfers – subject to a balance transfer fee: 5% (min $5) | 17.74%, 24.24%, or 28.49% Variable | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 17.74% - 28.49% (V) | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 5% (min $5) | 16.74% - 27.49% (V) | |
| Fifth Third 1% Cash/Back Card | 0% for 15 months | 0% for 15 months – subject to a balance transfer fee: 4% (min $5) | 18.74% - 29.74% (V) |
| BankAmericard® credit card | 0% for 18 billing cycles | 0% for 18 billing cycles for any balance transfers made in the first 60 days – subject to a balance transfer fee: 3% | 14.74% - 24.74% Variable |
Store Credit Cards With 0% Intro APRs
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. This means there's no interest if you pay off the item in full by the end of the promotion period. So, you should only get such a card if you're planning on paying down your balance in full before the interest-free period ends. But if you miss only one payment due date, then interest will be applied to your entire original purchase amount, as if it had been there from the start. The JCPenney Credit Card is one example, offering 18 months of deferred interest. But these cards are best avoided, due to the potentially high interest rate. Instead, you should check out our picks for...
How do I extend 0% APR on a credit card?
You can potentially extend a 0% APR on a credit card by calling the credit card company and asking them if they can extend the promotion. Success could depend on which credit card company it is, your relationship with them, your current account balance, and other factors that the credit card company won’t publicly disclose. There is no exact science to getting an extension on a 0% APR period, and it’s unlikely to work. So...
read full answer by Christie Matherne, Credit Card WriterDid we answer your question?
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