Based on a Bankrate survey on credit card balances, 47 percent of consumers are carrying credit card debt from month to month, with almost half of these cases due to unexpected or emergency expenses. A 0 percent APR card can help you pay down debt over time, which is especially important since intro APRs have become shorter over the past few months.
The best 0 percent APR credit cards help you avoid interest for up to 15 months or longer, meaning you may not see any interest charges until up to June 2025. If you need as much time as possible, there are still a few cards with intro APR offers lasting up to 21 months — which may be wise to snap up sooner rather than later in case these periods shrink.
Though you’ll still need to make minimum payments, with the right strategy, they’re among the best tools to pay off past debt or cover emergency expenses. To find the right 0 percent APR card for you, check out our top picks and advice below.