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Incredibly Long 0% Intro APR on New Purchases & Balance Transfers
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ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Incredibly Long 0% Intro APR on New Purchases & Balance Transfers
Intro APR
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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For the financially savvy consumer, time is money—and this card delivers both. The unrivaled length of the introductory 0% APR offer on both transfers and purchases sets a new standard for interest-free management. This interest-free window grants you critical financial flexibility to manage major expenses or debt, directly translating to significant savings by avoiding finance charges. When the goal is maximizing payoff speed and minimizing cost, this interest-saving vehicle is a premier recommendation.
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Extremely long 0% intro APR period for balance transfers
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ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Extremely long 0% intro APR period for balance transfers
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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This card is a top choice for anyone looking to pay down debt or finance a major purchase. Its standout feature is an exceptionally long introductory APR period on balance transfers and purchases, giving you plenty of time to get your finances in order without the pressure of accumulating interest. Plus, it comes with a $0 annual fee. While this card doesn’t earn rewards, its primary value lies in its ability to help you save a significant amount of money on interest. Additional benefits like complimentary access to your FICO® Score and exclusive experiences through Citi Entertainment® add to its appeal.
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Generous Cash Back Bonus & 0% Intro APR Period
Credit Score:
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ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Generous Cash Back Bonus & 0% Intro APR Period
Intro APR
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Regular APR
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Annual Fee
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Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Why choose between saving and earning when you can do both? While this card puts you in control of dynamic rewards—letting you choose and switch your top cash back category monthly—its promotional 0% APR period offers a more immediate financial victory. Leverage this interest-free runway to strategically consolidate existing debt or comfortably finance large purchases, ensuring your capital is focused on the principal, not finance charges. This dual-purpose structure means you get a powerful, interest-saving tool that simultaneously pays you back in cash, all with no annual fee.
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Incredible 0% Intro APR Period & Special Intro Offer
Credit Score:
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ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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Incredible 0% Intro APR Period & Special Intro Offer
Intro APR
full_intro_purchase_apr and full_intro_bt_apr
Regular APR
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Annual Fee
credit_score_needed
Recommended Credit ⓘSuggested credit score ranges are provided by CardRatings, not issuers, and are guidelines, not a guarantee of approval.
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This card is a top choice because it provides a strong foundation for both financing and earning. In addition to cash back rewards on everyday purchases, it currently features a limited-time cash back bonus for new cardholders who meet an easy spending requirement. This is paired with an exceptionally long 0% intro APR period on new purchases and balance transfers, offering an extended window to manage balances interest-free before the standard variable APR applies.
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How to get out of debt and build your credit
Is your credit score below 690? If so, you’re less likely to get approved for these cards — but visit this page for our top-rated cards to help you get out of debt and build your credit.
Jennifer Doss
CardRatings Executive Editor
A credit card analyst and the managing editor of CardRatings.com, Jennifer Doss leverages over 15 years of experience as a journalist and editor. A recognized finance expert, she frequently contributes her insights on credit cards to major outlets like CNBC and Fortune Magazine. Jennifer is...Read more
Rating methodology: CardRatings’ experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card, even though it offers those rewards. While the Best of the Year list is announced annually, that list—and all other “best of” lists on CardRatings—are regularly reviewed by CardRatings’ editors and updated as necessary, as issuers frequently change the terms and features of each card. Card issuers cannot pay or influence the cards on these lists, or the order that cards appear.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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Disclaimer:
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
