Stop wasting money on interest fees! If you're carrying balances on high-interest credit cards or you need to make a purchase that you won't be able to pay off right away, there's no need to waste money paying interest. In fact, you can avoid any interest payments at all until 2016.

Credit card issuers are pursuing potential customers by offering extremely generous 0% APR intro deals for truly lengthy periods of time. Take advantage of the available offers to save yourself a ton of cash, or to give yourself some breathing room and time to pay down your balances.

We've done the research and put together a list of the top cards with 0% intro APR periods so long you won't pay any interest until 2016.

Citi Simplicity
Can you say 18-month 0% APR? It's true, you'll enjoy no interest on balance transfers and purchases until 2016, providing plenty of time to pay down your balance. Plus there are no late fees, no penalty fees and no annual fee. Overall this is a stellar pick for anyone looking to save money on interest fees as they work to decrease their balance, or someone who'd like to make a large dollar purchase now and not worry about paying interest until next year.

Citi Diamond Preferred Card
Offering an 18-month 0% APR period on balance transfers and purchases, this card is a winner. And after the 1.5 year zero interest period is up, you'll enjoy a low ongoing APR. Plus there's no annual fee to worry about. Even if you don't have any balances to transfer, this card is still a great way to make purchases now (summer holiday anyone?) and pay no interest until 2016.

Discover it Card – Balance Transfer
When you combine a terrific 18-month 0% intro APR with cash back rewards, it's hard to go wrong. Although the 18-month 0% intro APR is just for balance transfers, you can also take advantage of a 6-month 0% intro APR on purchases and the low post-intro APR rate. Plus you'll earn 5% cash back on categories that rotate quarterly and 1% cash back on everything else. Did I mention there's no annual fee and no foreign transaction fees? This means you can make purchases outside the U.S. without worrying about extra fees, which is a nice touch if you're traveling internationally in the future.

Discover it chrome – Balance Transfer
Featuring an 18-month 0% intro APR on balance transfers, generous cash back rewards and no annual fee, no overlimit fee and no late fee on your first late payment, this card is a stellar all-around pick.  You'll also appreciate a 6-month 0% intro APR on purchases and no foreign transaction fees. All this and great cash back rewards Р2% cash back (on up to $1K in combined purchases quarterly) at restaurants at gas stations and 1% cash back on all other purchases. With this card you make a large purchase now, earn cash back on that purchase, and pay no interest until 2016. And if that purchase happens to be outside the U.S. you won't pay any foreign transaction fees, which is a great way to save money while traveling abroad.

This card doesn't quite have the incredible 18-month 0% APR the other cards do, but it's still a strong contender:

Chase Slate
With a 15-month 0% intro APR on balance transfers and purchases AND the honor of being the only 0% intro card that doesn't charge balance transfer fees, this is our top-ranked balance transfer card. Zero balance transfer fees can add up to serious savings, as many cards charge up to 3% of the amount you're transferring. Chase Slate allows you to transfer your balances from other credit cards without paying a cent, and gives you the time you need to start paying down the balance. Although the 15-month 0% APR period won't take you into 2016, it's still a great card to help you manage any credit card debt you may currently have or to make large purchases now that you don't want to pay off until next year.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

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