21 Months of 0% Intro APR on Purchases: These 3 Credit Cards Give You Nearly 2 Years Interest-Free
Explore the best credit cards offering 21 months of 0% intro APR on purchases.
Photo: big4credit.com
Planning a large purchase? A credit card with a long 0% intro APR offer can help you spread payments over time without paying interest.
While many cards offer 12 to 18 months of introductory financing, only a few extend the offer to a full 21 months of 0% intro APR on purchases. In fact, some issuers have recently expanded their offers, as discussed in our article about two credit cards quietly increasing intro APR to 21 months.
Right now, three standout options are:
These cards are ideal for financing:
- Home improvement projects
- Furniture and appliances
- Emergency expenses
- Medical bills
- Travel purchases
- Large planned purchases without immediate cash flow pressure
Why a 21-Month Intro APR Is Valuable
A long intro APR period can dramatically reduce the monthly payment needed to pay off a purchase.
For example, if you finance a $4,200 purchase:
- Over 12 months → about $350/month
- Over 15 months → about $280/month
- Over 21 months → about $200/month
That extra flexibility can make large expenses much easier to manage while avoiding costly interest charges.
U.S. Bank Shield™
The U.S. Bank Shield™ is one of the strongest options for people planning a large purchase and wanting as much time as possible to pay it off without interest. It offers 0% intro APR on purchases and balance transfers for 21 billing cycles, giving you nearly two years to spread out payments interest-free.
What makes this card stand out is that its financing flexibility does not completely end after the intro APR expires. Cardholders can still set up one 3-month payment plan each calendar year with no fee, which can be useful for future unexpected expenses or occasional large purchases.
Although this is primarily a financing card rather than a rewards card, it still offers some earning potential with 4% cash back on prepaid flights, hotels, and car rentals booked through the U.S. Bank Travel Center. - Read more
This card works especially well for people who:
- Need long-term financing for a major expense
- Want a backup financing option even after the intro APR period
- Prefer a simple no-annual-fee card
Best For: People who want occasional interest-free financing beyond the intro APR period.
On U.S. Bank's Secure Website
Intro APR
Purchases: 0%, 21 billing cycles
Balance Transfers: 0%, 21 billing cycles
Regular APR
16.99% - 27.99% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4% cashback on prepaid air, hotel, and car rentals booked through the Travel Center.
0% - 4% Cashback
Welcome Offer N/A
N/A
Chase Slate®
The Chase Slate® is designed for consumers who mainly care about avoiding interest while paying for a large purchase or consolidating debt. It offers 21 months of 0% intro APR on purchases and balance transfers, making it one of the longest intro APR offers currently available.
Unlike many cashback cards, the Slate® focuses on simplicity rather than rewards. That can actually be an advantage for people who want to stay disciplined and concentrate on paying off a balance instead of chasing bonus categories.
The card also includes a few lifestyle perks through Chase’s DoorDash partnership, including a complimentary 6-month DashPass membership and up to $10 in quarterly DoorDash savings on eligible purchases. - Read more
This card may be a good fit for people who:
- Want a straightforward financing card
- Prefer Chase’s banking ecosystem
- Plan to pay off a large purchase over time without annual fees
Best For: People focused on paying down debt or financing a large purchase.
On Chase's Secure Website
Intro APR
Purchases: 0%, 21 months
Balance Transfers: 0%, 21 months
Regular APR
18.24% - 28.24% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
BankAmericard®
The BankAmericard® is one of the classic low-interest credit cards and remains a strong option for financing large purchases over a long period of time. It offers 0% intro APR for 21 billing cycles on purchases and qualifying balance transfers, allowing cardholders to spread payments over nearly two years without interest charges.
One advantage of this card is that it continues with a relatively low ongoing APR after the intro period ends compared to many rewards credit cards. That can help reduce borrowing costs if you still carry a balance after the promotional period expires. - Read more
The BankAmericard keeps things simple:
- No annual fee
- No complicated rewards structure
- Easy-to-understand financing terms
This card is best suited for people who value predictability and low borrowing costs more than rewards or premium perks.
Best For: People who want a simple, low interest card.
On Bank of America's Secure Website
Intro APR
Purchases: 0%, 21 billing cycles
Balance Transfers: 0%, 21 billing cycles
Regular APR
14.99% - 25.99% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Looking for More Options?
Choosing the right 0% intro APR card depends on how you plan to use it. Some cards are better for financing large purchases, while others are stronger for balance transfers, rewards, or long-term value after the intro APR period ends.
Before applying, consider:
- How long you may need to pay off the balance
- Whether you want rewards in addition to financing
- Balance transfer fees and ongoing APR
- Additional perks and protections
To explore more options:
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The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.