Snag 0 Percent APR Credit Cards Thousands Are Using

Real-World Examples

Many credit card issuers, such as Chase, Citi, and American Express, offer competitive 0 percent APR cards. For example, the Citi Simplicity® Card is known for its long introductory period of 21 months on balance transfers, although it does come with a balance transfer fee. Meanwhile, the Chase Freedom Unlimited® provides a 15-month introductory period on purchases and balance transfers, alongside cashback rewards⁴.