4 Cards Now Charging 0% Interest Until Nearly 2027

These rare offers give you breathing room to tackle debt or spread out payments without the burden of high finance charges.

What makes these offers especially valuable is timing. With interest rates still hovering at historically high levels, the ability to lock in an extended period of 0% interest can save you hundreds—or even thousands—of dollars. Whether you’re looking to consolidate existing debt or make an upcoming purchase more manageable, these cards could provide the financial cushion you need.

1. U.S. Bank Shield™ Visa® Card

0% APR Period: 24 months on purchases and balance transfers
Why It Stands Out: This is one of the longest 0% APR offers available today. If you open the card in mid-2025, the no-interest window will carry you into mid-2027, giving you two full years to pay down debt or finance purchases without accruing interest.

2. Wells Fargo Reflect® Card

0% APR Period: Up to 21 months on purchases and balance transfers
Why It Stands Out: With responsible payments, you can extend the 0% APR period to its full length, stretching your interest-free financing into early 2027. It’s a great choice if you’re planning a large purchase or want extra time to eliminate a balance.

3. Citi Simplicity® Card

0% APR Period: 21 months on balance transfers, 12 months on purchases
Why It Stands Out: While the purchase window is shorter, the 21-month balance transfer period can help you consolidate and pay down debt without the added pressure of interest charges. Citi Simplicity also has no late fees, no penalty APR, and no annual fee.

4. BankAmericard® Credit Card

0% APR Period: 18 billing cycles (about 18 months) on purchases and qualifying balance transfers
Why It Stands Out: Though shorter than the others on this list, this card still offers over a year of breathing room. If opened now, its interest-free period can last well into 2026 and into 2027 depending on your billing cycle.

Why These Offers Matter

For anyone carrying a balance or planning significant expenses, these cards present a rare opportunity to save hundreds or even thousands of dollars in interest. Opening one of these accounts in 2025 means you can benefit from interest-free financing into 2026 — and in some cases, nearly to 2027.

Things to Keep in Mind

Balance Transfer Fees: Many of these cards charge a 3%–5% fee on balance transfers, so weigh this against the interest savings.
Post-Intro APR: Once the promotional period ends, standard variable APRs apply — often 17%–29%. Plan to pay off balances before then.
Eligibility: Credit cards with long 0% APR offers typically require good to excellent credit scores.

Final Word

If you’ve been waiting for the right time to move high-interest debt or make a big purchase, these four cards may be the answer. With introductory periods that can extend into 2027, they provide one of the best ways to keep more money in your pocket at a time when interest rates remain historically high.