Top 5 Credit Cards with 0% APR for the First 18 Months
If you're planning a big purchase or looking to pay down debt, a credit card with 0% APR for 18 months can be a game-changer. These 0 interest credit cards let you borrow money without paying interest for a limited time, helping you save hundreds—if not thousands—of dollars.
In this 2025 guide, we’ve compiled the top 5 credit cards with 0% APR for the first 18 months. These cards offer generous intro APR periods, low fees, and valuable perks that make them perfect for smart financial planning.
What Is a 0% APR Credit Card?
A 0% APR credit card gives you a promotional period where you pay zero interest on purchases, balance transfers, or both. This intro APR usually lasts between 12 and 21 months. With an 0 interest credit card, you can carry a balance and pay it off over time without the pressure of high interest rates.
Whether you're planning a vacation, consolidating debt, or covering emergency expenses, using a credit card with 0% APR for 18 months is one of the smartest ways to manage short-term costs.
Top 5 Credit Cards with 0% APR for 18 Months (2025)
1. Wells Fargo Reflect® Card
Intro APR: 0% for 18 months on purchases and qualifying balance transfers (extendable up to 21 months with on-time payments)
Annual Fee: $0
Why it stands out: The Reflect Card offers one of the longest 0% APR periods available in 2025. Perfect for those who need extra time to pay down a balance or finance a large purchase.
2. Citi® Diamond Preferred® Card
Intro APR: 0% for 18 months on balance transfers, 0% for 12 months on purchases
Annual Fee: $0
Why it stands out: This card is ideal for debt consolidation. If you're carrying a balance on another high-interest card, the 0% APR for 18 months on balance transfers can help you pay it down without added costs.
3. BankAmericard® Credit Card
Intro APR: 0% for 18 billing cycles on purchases and balance transfers
Annual Fee: $0
Why it stands out: With no annual fee and no penalty APR, this 0% interest credit card is great for disciplined spenders who want a safety net.
4. Chase Freedom Unlimited®
Intro APR: 0% for 15 months on purchases and balance transfers
Annual Fee: $0
Bonus: 1.5% unlimited cashback on every purchase, plus a sign-up bonus
Why it stands out: Although the 0% APR is 15 months (slightly under 18), the rewards program is one of the best. If you want both 0 APR and long-term cashback value, this card delivers.
5. U.S. Bank Visa® Platinum Card
Intro APR: 0% for 18 billing cycles on purchases and balance transfers
Annual Fee: $0
Why it stands out: One of the most straightforward credit cards with 0% APR for 18 months. No rewards, but it shines for those who want a pure interest-free borrowing experience.
How to Maximize a 0% APR Credit Card
- Pay off your balance before the promo ends. Interest kicks in after the 0% APR period ends, so plan accordingly.
- Watch out for balance transfer fees. Some cards charge 3–5% for balance transfers.
- Use it for strategic purchases. Avoid unnecessary spending just because it’s interest-free.
- Stay disciplined. Treat the card like a short-term loan, not free money.
Should You Get a Credit Card with 0% APR for 18 Months?
Absolutely—if you’re responsible with credit and have a clear payoff strategy. A 0% APR credit card is ideal for people looking to:
- Finance a large expense
- Pay down existing debt
- Improve cash flow without high interest
However, if you tend to carry balances long term or overspend, the interest rates after the intro period can be high. Be sure to review the card’s terms, including regular APR, fees, and penalties.
Final Thoughts
The best 0% APR credit cards for 18 months in 2025 offer an incredible opportunity to save on interest while managing your finances wisely. From the Wells Fargo Reflect® Card’s ultra-long intro period to the Chase Freedom Unlimited®'s cashback potential, each card has its own strengths.
Choose the 0 interest credit card that matches your goals, pay attention to the fine print, and use the intro period to your advantage. When used properly, a credit card with 0% APR for 18 months can help you eliminate debt or make large purchases with confidence.