Buying kitchen appliances isn’t cheap. My wife and I are getting quotes right now to upgrade our stove and fridge, and it’s looking like about $12,000 all in. (Yes, we’re going for the high-end, crazy-expensive, amateur-chef type models.)

We could pay with our savings, but that would leave our emergency fund a little light. So instead, we’re thinking about opening a 0% APR card to buy everything.

If we chip away at the balance with $1,000 payments each month, we could pay everything off in 12 months — without paying a cent in interest.

Here are three credit cards we’re considering with the longest 0% intro APR periods available today.

(Oh yeah — they all have $0 annual fees, too!)

1. Wells Fargo Reflect® Card: Best for new purchases

The Wells Fargo Reflect® Card (see rates and fees) is our top pick since it offers one of the longest 0% intro APR deals for both new purchases and balance transfers.

Here’s the deal: Get 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases.

Card details:

• Balance transfer fee: 5%, min: $5
• Transfer period: Within 120 days from account opening to qualify for the introductory rate
• Typical credit score needed: Good to excellent (670+)
• Annual fee: $0

Another perk: You’ll get up to $600 of cellphone protection against damage or theft if you pay your bill with the credit card (subject to a $25 deductible).

A full 21 months from account opening of 0% intro APR is no joke. Just make sure you pay off your entire balance during the 0% intro APR period to avoid all interest charges.

Apply for the Wells Fargo Reflect® Card (see rates and fees) and start your 0% intro APR period today.

2. Citi Simplicity® Card: Best for no late fees

Sometimes, life happens and you accidentally miss a payment. Well, if you have the Citi Simplicity® Card you’ll be let off the hook! It has no late fees and no penalty APRs, either!

You’ll get 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases from the date of account opening. After that the 18.24% – 28.99% (Variable) APR will apply, based on your creditworthiness.

Card highlights:

• Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
• Transfer period: Must be completed within 4 months of account opening to qualify for 0% offer
• Typical credit score needed: Good to excellent (670+)
• Annual fee: $0

The real standout features here are the lack of late fees and a slightly lower balance transfer fee. This could save you hundreds depending on your transferred balance.

Apply for the Citi Simplicity® Card today (see rates and fees) and enjoy worry-free payments.

3. Citi® Diamond Preferred® Card: Simple and sweet

The Citi® Diamond Preferred® Card keeps it simple, offering a long 0% intro APR period without rewards programs or flashy perks.

The card offers 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases from the date of account opening. After that the 17.24% – 27.99% (Variable) APR will apply, based on your creditworthiness.

Key details:

• Balance transfer fee: Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
• Transfer period: Balance transfers must be completed within 4 months of account opening
• Typical credit score needed: Good to excellent (670+)
• Annual fee: $0

If you just want a simple, straightforward way to tackle a balance, this card could be perfect.

Apply for the Citi® Diamond Preferred® Card today (see rates and fees).

How balance transfers can help you crush debt faster

If you’re carrying a huge amount of credit card debt, a balance transfer card can be an extremely helpful tool.

Here’s an example of how much interest you could save by transferring a balance to a 0% APR card:

Data source: Author’s calculations.

If we factor in a transfer fee of $500 (5% of the balance transfer) the total savings is $1,765 in interest! Not to mention, you’d become debt free four months faster.

Don’t wait to start saving

With intro periods stretching all the way into 2027, you’ll get serious breathing room to pay off big balances.

The sooner you lock in your 0% APR, the sooner you can start putting every dollar toward paying down your balance — not wasting it on interest.