Credit card interest can sneak up fast — especially if you’ve had to carry a balance longer than expected. I’ve been there. Between holiday spending, unexpected expenses, and just life happening, it’s easy to fall behind and harder to catch up when your APR is over 20%.

That’s why cards like the Chase Freedom Unlimited® (see rates and fees) stand out. Right now, the card comes with 0% intro APR on purchases and balance transfers for a full 15 months. That gives you until fall of 2026 to pay down what you owe — without paying a single cent in interest.

Whether you’re looking to finally knock out that balance or need a little breathing room for an upcoming purchase, this card gives you the space to do it smartly.

Why this card stands out

Chase Freedom Unlimited® isn’t just a 0% intro APR card — it’s a well-rounded everyday rewards card, too. In addition to the intro interest offer, it earns:

• 5% cash back on travel purchased through Chase Travel
• 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
• 1.5% cash back on all other purchases

You can also earn a $200 bonus if you spend $500 in the first 3 months. That’s essentially free cash for doing what you’d normally do anyway.

How much could you actually save?

Let’s say you currently have a $5,000 balance on a credit card charging a fairly typical 22% APR. If you made fixed monthly payments of $384, you’d pay off that balance in 15 months — but rack up over $764 in interest along the way.

With the Chase Freedom Unlimited®’s 0% intro APR, that same $384 monthly payment could wipe out your debt in the same amount of time — with no interest at all. That’s over $700 in savings, just for switching cards and making a plan.

Keep in mind there’s a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days After that time: Either $5 or 5% of the amount of each transfer, whichever is greater. But for many people, the math still works out heavily in your favor.

Stop letting the credit card debt pile up. Apply for the Chase Freedom Unlimited® card now to get up to 15 months interest-free.

A 0% intro APR period this long is rare

With many credit cards offering 0% for 12 months or less, a window of 15 months is a standout. Especially in today’s environment — where credit card APRs are often hovering around 20% or more — this kind of breathing room can save you hundreds of dollars in interest.

And because it applies to both new purchases and balance transfers, it’s versatile whether you’re looking to pay down existing debt or make a big purchase and pay it off slowly.

Smart move: If you’re carrying a balance on a higher-interest card, this is an opportunity to transfer that balance, stop the interest clock, and chip away at it without pressure.