Credit Cards That Offer 0% APR for 18 Months

 

Credit Cards That Offer 0% APR for 18 Months (2026 Guide)

Looking to save money on interest and pay off purchases or balance transfers without extra cost? One smart strategy is to use a credit card with a 0% Intro APR offer for 18 months. These cards allow you to avoid interest on purchases and/or balance transfers for an extended period — perfect for financing large expenses, consolidating debt, or managing budget seasonally — all while you pay down your balance. Below are top options in the USA for 2026.

Why Choose a 0% APR Card?

• Pay $0 interest for up to 18 months on purchases or balance transfers
• Save on financing large purchases
• Use promotional period to pay off debt without interest
• Often come with no annual fee

These offers can give you breathing room to manage repayment – just make sure to pay on time before the intro period ends. :contentReference[oaicite:0]{index=0}

Top 0% APR Credit Cards for 18 Months

1. Chase Slate Edge® Credit Card

• 0% Intro APR for 18 months on purchases and balance transfers
• Annual fee: $0
• After intro period, variable APR applies

Great choice if you want an interest‑free period for both purchases and balance transfers with no annual fee. :contentReference[oaicite:1]{index=1}

2. BankAmericard® Credit Card

• 0% Intro APR for 18 billing cycles on purchases and balance transfers
• Annual fee: $0
• After intro period, variable APR applies

This card is a solid pick for long‑term interest savings and straightforward terms. :contentReference[oaicite:2]{index=2}

3. Wells Fargo Platinum Card

• 0% Intro APR for 18 months on purchases and balance transfers
• No annual fee
• Good option if you’re building credit and want a long intro period

Wells Fargo’s platinum option offers extended interest‑free financing for qualifying users. :contentReference[oaicite:3]{index=3}

4. Citi Double Cash® Card (Balance Transfers Only)

• 0% Intro APR for 18 months on balance transfers
• Unlimited 2% cash back on purchases
• No annual fee

Perfect if you want to **both transfer balances to a 0% deal and earn cash back** on everyday spending. :contentReference[oaicite:4]{index=4}

How to Use a 0% APR Card Wisely

• Pay at least the monthly minimum on time
• Aim to pay off the full statement balance before the promo ends
• Avoid new purchases if you’re focusing on balance transfer debt
• Know the balance transfer fees — they typically range 3%–5%

Intro APR offers don’t last forever — if you don’t pay off your balance before the promo period ends, the regular APR applies. :contentReference[oaicite:5]{index=5}

Frequently Asked Questions (FAQs)

What is intro APR?

Intro APR (Annual Percentage Rate) is a temporary interest rate promotion (often 0%) that applies to purchases and/or balance transfers for a set period. After this period, the normal APR applies.

Do 0% APR cards have fees?

Yes — many cards charge a balance transfer fee (usually 3%–5% of the transfer amount). Always check terms before applying.

Can I get 0% APR with bad credit?

Most 0% APR offers require good to excellent credit (typically a FICO score ≥670), so approval with bad credit may be difficult.

Final Thoughts

Credit cards that offer **0% APR for 18 months** are powerful tools for managing debt and financing purchases without interest — if you use them responsibly. Compare offers, understand fees, and build a repayment plan so you can take full advantage of the interest‑free period in 2026. :contentReference[oaicite:6]{index=6}