Maria Adams, Credit Cards Moderator
@m_adams
The U.S. Bank Shield™ Visa® Card offers 0% introductory interest for 24 months on purchases and eligible balance transfers that are completed within 60 days of account opening. Plus, there is no annual fee, and cardholders earn 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. However, the card’s regular APR is 17.49% - 28.49% (V), and it charges a balance transfer fee of 5% (min $5).
Longest No-Interest Credit Card Offers
- U.S. Bank Shield™ Visa® Card: Intro APR of 0% for 24 months on purchases and balance transfers, 17.49% - 28.49% (V) regular APR and 5% (min $5) transfer fee
- Wells Fargo Reflect® Card: Intro APR of 0% for 21 months from account opening on purchases and qualifying balance transfers, 16.99%, 23.49%, or 28.74% Variable regular APR and 5% (min $5) transfer fee
- BankAmericard® credit card: Intro APR of 0% for 18 billing cycles on purchases and balance transfers made in the first 60 days, 15.24% - 25.24% Variable regular APR, and 3% transfer fee
- Capital One Savor Cash Rewards Credit Card (see details, rates & fees): Intro APR of 0% for 12 months on purchases and balance transfers, 19.24% - 29.24% (V) regular APR, and a balance transfer fee of 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
- Chase Freedom Unlimited®: Intro APR of 0% for 15 months on purchases and balance transfers, 18.99% - 28.49% (V) regular APR, and a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Some store cards also offer no interest for 24 months or longer, but that’s deferred interest, not true 0% interest. With deferred interest, if you don’t pay off your entire balance by the end of the promotional period, you owe all the interest you would have built up over those months at the card’s regular APR. If you do pay in full by the time the 0% period ends, you don’t owe the interest.
So, there are a number of good alternatives to no-interest credit cards for 24 months. The only catch is that you’ll need to have at least good credit to get them.
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People also ask
How does a 24-month interest-free credit card work?
A 24-month interest-free credit card works by charging zero interest for the first two years your account is open, so long as you make at least the minimum payment required by the due date each month. After the 24-month interest-free period ends, a high regular APR kicks in.
The only credit cards currently offering 0% APR for 24 months are store cards with deferred-interest promotions. If you don’t pay in full within 24 months,...
read full answer by Theresa Chalfant, WriterHow can I get a credit card without interest?
You can get a credit card without interest if you have good credit or better (a credit score of at least 700) and you apply for a card with a 0% introductory APR promotion. You can also avoid interest on a credit card by paying your balance in full each month. However, all credit cards have the potential to charge interest at some point.
Ways to Get a Credit Card Without Paying Interest
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read full answer by Theresa Chalfant, WriterWhat are the best credit cards that offer a 0% APR on balance transfers for 24 months?
The best credit card that offers a 0% APR on balance transfers for 24 months is the U.S. Bank Shield™ Visa® Card. It offers an introductory APR of 0% for 24 months on purchases and balance transfers along with a $0 annual fee.
Just note that the regular APR is 17.49% - 28.49% (V). There’s also a 5% (min $5) balance transfer fee.
Balance Transfer Credit Cards With a Long Intro APR
Transfer Intro APR: 0% for 24 months
Regular APR: 17.49% - 28.49% (V)
Balance Transfer Fee: 5% (min $5)
Minimum Credit Limit: N/A
Annual Fee: $0
Credit Score: Good
Transfer Intro APR: 0% for 21 months
Regular APR: 18.24% - 28.99% (V)
Balance Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that
Minimum Credit Limit: $500
Annual Fee: $0
Credit Score: Good
Transfer Intro APR: 0% for 21 months
Regular APR: 17.24% - 27.99% (V)
Balance Transfer Fee: 5% (min $5)
Minimum Credit Limit: $500
Annual Fee: $0
Credit Score: Good
Transfer Intro APR: 0% for 21 months from account opening on qualifying balance transfers
Regular APR: 16.99%, 23.49%, or 28.74% Variable
Balance Transfer Fee: 5% (min $5)
Minimum Credit Limit: $1,000
Annual Fee: $0
Credit Score: Good
You'll typically need good or excellent credit if you want to get a good 0% balance transfer card. Plus, if you get a card with a long 0% period, you probably shouldn't expect it to have rewards. Cards like these are usually focused on financing. So, it’s best to have a 0% intro APR card for your...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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