Longest 0% APR Cards for Purchases of 2024
Best for Long Intro APR on Purchases and Balance Transfers from Wells Fargo (21 months)
Wells Fargo Reflect® Card
On Wells Fargo's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Editor's Take
Those seeking a balance transfer card will likely appreciate that the Wells Fargo Reflect Card offers a generous introductory APR period on purchases and qualifying balance transfers. However, the card doesn’t offer rewards or other notable benefits, so give it a pass if you don’t need a long introductory APR period.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Wells Fargo Reflect includes decent auto and theft protection, but the most compelling card benefit is the generous intro balance transfer offer upon account opening.
Pros & Cons
- Generous introductory APR period for purchases and qualifying balance transfers
- $0 Annual Fee
- No rewards program or welcome bonus
- Balance transfer fee: 5%, min: $5
- 3% Foreign transaction fee
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Long Intro APR from U.S. Bank (21 billing cycles)
U.S. Bank Visa® Platinum Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.74% - 29.74% (Variable)
Editor's Take
The U.S. Bank Visa® Platinum Card offers a very lengthy intro APR rate and no annual fee. There are two caveats, which are the balance transfer fee and the lack of a rewards program. Still, the savings on interest during the introductory period can eclipse the fee.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Build credit easily with the U.S. Bank Visa Platinum, plus take advantage of one of the longest intro balance transfer periods.
Pros & Cons
- No penalty APR
- Long intro APR period
- Cellphone protection coverage is a handy benefit
- Balance transfer fee applies
- No rewards program
- No welcome bonus
- Foreign transaction fee
Card Details
- Up to $600 cell phone protection (subject to $25 deductible) against damage or theft when you pay your monthly phone bill with your card. Terms, conditions, and exclusions apply
- Ability to choose a payment due date that fits your schedule
- No annual fee
- Introductory APR offer
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Long Intro APR on Purchases from Chase (18 months)
Chase Slate Edge℠ *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The Slate Edge does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Editor's Take
The Chase Slate Edge is a reasonable option for those looking to consolidate debt.
Pros & Cons
- Introductory APR
- Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- No annual fee
- Doesn’t earn rewards
- High balance transfer fee
- High foreign transaction fee
Card Details
- No annual fee
- Low introductory APR offer
- Access to monitor credit score with Chase Credit Journey
- Automatic, one-time account review for a higher credit limit when you pay on time and spend $500 in the first six months
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Long Intro APR from Bank of America (18 billing cycles)
BankAmericard® credit card
On Bank of America's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
No Rewards
The BankAmericard® credit card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Editor's Take
Great for those who need a lengthy introductory APR offer to pay off other card balances or finance a major purchase.
Pros & Cons
- No penalty APR
- No annual fee
- No rewards program
- Foreign transaction fee
- Fee on balance transfers
Card Details
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% – 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Long Intro APR on Purchases and Auto Deductible Reimbursem*nt (18 billing cycles)
State Farm Good Neighbor Visa® Card *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24% - 29.24% variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
If you get auto insurance through State Farm, this card can help with your deductible should you need to use it. The State Farm Good Neighbor Visa also has strong protections for your warranties and cellphone, but it’s best for State Farm clients. If that’s you, consider it extra insurance against high interest rates with the low intro offer, too.
Expert Commentary
Jenn Underwood
Personal Finance Writer
Credit cards and banking specialist Jenn Underwood brings over 16 years of personal finance experience to the table. After a decade of teaching courses in banking, debt reduction, budgeting and credit improvement, she moved into writing content and fintech product development. Over the last four years, Jenn has contributed to Forbes Advisor and a variety of fintech companies. She has served as a UX consultant, moderated discussions on open banking and been a guest on a number of personal finance podcasts.
Jenn Underwood
Jenn Underwood
Personal Finance Writer
Credit cards and banking specialist Jenn Underwood brings over 16 years of personal finance experience to the table. After a decade of teaching courses in banking, debt reduction, budgeting and credit improvement, she moved into writing content and fintech product development. Over the last four years, Jenn has contributed to Forbes Advisor and a variety of fintech companies. She has served as a UX consultant, moderated discussions on open banking and been a guest on a number of personal finance podcasts.
Personal Finance Writer
With an auto deductible reimbursem*nt and cellphone protection, the State Farm Good Neighbor Visa Card is an ideal partner to your State Farm insurance plan. It’s a straightforward card to bolster your coverage, but sadly offers no purchase rewards.
Pros & Cons
- No annual fee
- Introductory APR on balance transfers and purchases
- Auto deductible reimbursem*nt, extended warranty and travel emergency assistance benefits
- No rewards
- Benefits are mostly related to regular travel purchases and not balance transfers
- 3% of the amount of each transfer or $5 minimum, whichever is greater
Card Details
- No annual fee
- Cell phone protection
- Low introductory offer
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Long Intro APR for Students (18 billing cycles)
BankAmericard® credit card for Students *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The BankAmericard® credit card for Students does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Credit Score
Good, Excellent(700 - 749)
Editor's Take
One of the rare student credit cards with a 0% intro APR offer, this card is an option for establishing credit. There’s not much more beyond that, but better credit can be a reward unto itself.
Pros & Cons
- No annual fee
- Introductory APR period is rare for student cards
- Offers a path for students to build credit
- No rewards program
- Balance transfer fee
- Foreign transaction fee
Card Details
- No annual fee
- No penalty APR
- Access your FICO® Score for free within online banking or the mobile banking app
- Contactless card
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card for Long Intro APR (18 billing cycles)
U.S. Bank Business Platinum Card *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The U.S. Bank Business Platinum does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.24% - 26.24% (Variable)
Credit Score
Excellent/Good(700 - 749)
Editor's Take
There are no rewards, but a long intro APR period can give your business serious wiggle room to pay down debt or self-finance larger purchases.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Thanks to its long intro APR offer, business owners with high upfront expenses will find most value from the the U.S. Bank Business Platinum Card.
Pros & Cons
- Extra-long introductory APR on both purchases and balance transfers
- $0 annual fee
- No reward earning
- No major benefits
- High balance transfer fee
Card Details
- Generous intro APR offer on purchases and balance transfers
- Low annual fee
- Domestic service center providing 24/7 support
- Visa Spend Clarity – track spending and manage expenses
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
