Chip Lupo, Credit Card Writer
@CLoop
A 0% APR for 15 months means you will not be charged interest on new purchases or balance transfers for the first 15 months, as long as you make at least the minimum monthly payments along the way. The card's regular interest rate will only apply to any balance remaining after 15 months.
Credit Cards That Offer 0% Intro APR for 15 months
- Capital One Quicksilver Cash Rewards Credit Card
- Chase Freedom Unlimited®
- First Federal Community Bank Business Zero+ Card
If you’re looking to save money on either new purchases or balance transfers, you should also consider credit cards that have 0% APR periods longer than 15 months. You can check out our editors’ picks for the best 0% APR credit cards and the best balance transfer credit cards to see more options.
Popular 0% APR Credit Cards in February 2026 from Our Partners
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Long 0% Intro Period
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0% Intro APR and Travel Rewards
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0% Intro APR and Cash Back
People also ask
What 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 16.99% - 27.99% (V), and it has a $0 annual fee.
Longest 0% Intro APR Credit Card Offers
Offers 0% for 24 months on purchases and 0% for 24 months for balance transfers, with a 5% (min $5) balance transfer fee. The regular APR is 16.99% - 27.99% (V).
Offers 0% for 21 months from account opening on purchases and 0% for 21 months from account opening on qualifying balance transfers with a balance transfer fee of 5% (min $5). The regular APR is 17.49%, 23.99%, or 28.24% Variable.
Offers 0% for 18 months on purchases and 0% for 18 months for balance transfers, with 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). The regular APR is 18.24% - 28.24% (V).
Offers 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days with a 3% for 60 days from account opening, then 4% balance transfer fee. The regular APR is 14.49% - 24.49% Variable.
Offers 0% for 15 months on purchases and 0% for 15 months for balance transfers, with a balance transfer fee of 4% (min $5). The regular APR is 18.49% - 29.49% (V).
Offers 0% for 12 months on purchases and 0% for 21 months on balance transfers with a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. The regular APR is 17.49% - 28.24% (V).
Offers 0% for 12 months on purchases and 0% for 21 months on balance transfers with a 5% (min $5) balance transfer fee. The regular APR is 16.49% - 27.24% (V).
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.
Longest 0% APR Credit Cards 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) | 16.99% - 27.99% (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) | 17.49%, 23.99%, or 28.24% Variable | |
| 0% for 18 months | 0% for 18 months – subject to a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | ... |
What does 0% APR mean on a credit card?
A 0% APR means that you pay no interest on new purchases, balance transfers or both for a certain period of time after you open the credit card account. The best 0% APR credit cards on the market currently give 15-21 months without interest. The average 0% APR intro period is about 12 months for cards offering 0% on purchases, according to WalletHub’s Credit Card Landscape Report, and around 13 months for the average card with 0% on transfers.
A 0% APR...
read full answer by John S Kiernan, Managing EditorIs a 0% APR good for your credit?
A 0% APR is good for your credit if you take advantage of the introductory period to pay off your debt in full. While credit card APRs don't directly affect your credit scores, you can bring down a large balance faster if you don't have to pay interest, which will ultimately help your credit score. Using a 0% APR credit card irresponsibly, however, can have the opposite effect.
With a 0% APR credit card, you don't pay...
read full answer by Bianca Smith, WalletHub Credit Cards AnalystDid we answer your question?
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