Longest 0% Intro APR Credit Cards (October 2026)
Chase Slate, BankAmericard, U.S. Bank Shield Visa, Wells Fargo Reflect and 1 more lead at 21 months. Here are all 12 current offers of 18 months or longer, ranked by length with honest fee math — pulled live from our card database.
All current offers ranked by 0% period (October 2026)
| Card | 0% Purchase | 0% BT | BT Fee | Post-Intro APR | Annual fee |
|---|---|---|---|---|---|
| Chase Slate Chase | 21 months | 21 months | 3% (60 days), then 5% | 18.24–28.24% | $0 |
| BankAmericard Bank of America | 21 months | 21 months | 5% | 14.99–25.99% | $0 |
| U.S. Bank Shield Visa U.S. Bank | 21 months | 21 months | 5% | 16.99–27.99% | $0 |
| Wells Fargo Reflect Wells Fargo | 21 months | 21 months | 5% | 17.74–28.49% | $0 |
| Citi Diamond Preferred Citi | 12 months | 21 months | 3% (4 mo), then 5% | 16.49–27.24% | $0 |
| Eagle Adapt USAA USAA membership required | 20 months | 20 months | 5% | 16.4–26.4% | $0 |
| USAA Cashback Rewards Plus American Express USAA USAA membership required | — | 20 months | 5% | 15.4–27.4% | $0 |
| Citi Simplicity Citi | 18 months | 18 months | 3% (4 mo), then 5% | 17.49–28.24% | $0 |
| PNC Spend Wise PNC Bank | 18 months | 18 months | 4% (90 days), then 5% | 19.49–27.49% | $0 |
| Truly Simple Fifth Third | 18 months | 18 months | 4% | 18.49–29.49% | $0 |
| Citi Double Cash Citi | — | 18 months | 3% | 17.49–27.49% | $0 |
| TD FlexPay TD Bank | — | 18 months | 3% | 17.49–27.49% | $0 |
Ranked by the longer of the purchase and balance transfer periods, then the other period, then the lower intro transfer fee. Post-intro APR depends on creditworthiness. Student, secured, business and store cards are left out. See every 0% APR card →
Longer 0% period or lower transfer fee — which is better?
Most long 0% cards charge a 5% balance transfer fee; a few charge 3% for transfers made soon after opening. The fee gap is paid up front, while the extra months only help if you would still owe money when the shorter offer ends.
| Balance moved | 5% fee | 3% fee | Fee gap | Extra months are worth it if you’d still owe more than… |
|---|---|---|---|---|
| $3,000 | $150 | $90 | $60 | ~$1,000 per extra month |
| $5,000 | $250 | $150 | $100 | ~$1,700 per extra month |
| $10,000 | $500 | $300 | $200 | ~$3,400 per extra month |
How to read it: at a typical 25% post-intro APR, a leftover balance costs about 2% a month in interest. So each extra 0% month saves roughly 2% of whatever you would still owe. If you can clear the balance before the shorter offer ends, the lower fee wins. Use the balance transfer calculator to model your exact numbers. If even the longest window won’t cover your payoff, compare debt consolidation personal loans too: they usually have a fixed rate and a set payoff date.
For purchases (not balance transfers) — which card wins?
If you’re financing a large purchase rather than paying off existing debt, the transfer fee is irrelevant — focus only on the 0% purchase APR window. The longest right now is 21 months, from Chase Slate, BankAmericard, U.S. Bank Shield Visa and Wells Fargo Reflect.
Cards that also earn rewards during the 0% period trade a shorter window for ongoing value — several cash back cards pair 15 months at 0% with 1.5–2% back, a reasonable trade for purchases you can pay off faster. Use the use-case selector to see which card fits your situation.