Pay 0 Interest Until Nearly 2025
Do you have high-interest credit card debt you're struggling to pay off?
You're not alone. In Q2 of 2020, 57% of U.S. households carried a balance on their active credit card accounts.* If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer or low interest cards with 0% intro APR and start saving money.
Our credit card experts hand selected the cards below because of their long 0% intro APR interest offers. These offers range from 12 months all the way up to 21 months 0% Intro APR, which means on certain cards you could pay 0 interest until nearly 2025.
Compare these cards and discover which one is best for you.
Citi® Diamond Preferred® Card
For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi® Diamond Preferred® Card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an intro APR of 0% for 21 months on Balance Transfers, followed by 17.74% - 28.49% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% for 12 months on Purchases with 17.74% - 28.49% (Variable) APR after that, along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers a multitude of cardholder perks.
This card offers $0 liability on unauthorized charges and Citi® Identity Theft Solution which can give you peace of mind while you shop. Cardholders will also have free access to their FICO® Scores. Overall, the Citi® Diamond Preferred® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and no annual fee.
Wells Fargo Active Cash® Card
It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash® Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening.
But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash® Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 19.74%, 24.74%, or 29.74% variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 19.74%, 24.74%, or 29.74% variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a card that truly offers the best of both worlds, with a long period of 0% intro APR on purchases and solid cash back rewards. Take advantage of 0% intro on purchases for 15 months and then 19.24% - 29.24% (Variable) APR after that intro period is over. That gives you over a year to to pay down your balance with no interest charges weighing you down - perfect when you have a large expense coming up. It's the same for balance transfers: an APR of 0% intro on balance transfers for 15 months followed by an ongoing APR of 19.24% - 29.24% (Variable).
But the real standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash back on everything you buy, everywhere - an impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, new cardholders can enjoy a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Even better, the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee, so you can put all the cash back you earn to work for you instead of paying down fees.
Discover it® Cash Back
on Discover's secure siteRates & Fees
This cash rewards card comes with a unique sign up bonus unlike anything you’ve seen; At the end of your first year, Discover will match the cash back you’ve earned. This is the only credit card that will match your cash back at the end of the first year. So if you earned $200 in cash back from purchases in your first year, Discover will match it, making your total cash back for the year $400! The Discover it card earns 5% cash back in popular spending categories that change each quarter and 1% on all other purchases. The 5% cash back categories include things like gas, groceries, dining, and more. On top of the incredible rewards program, this card comes with 0% intro APR on purchases and balance transfers for 14 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment.
Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
The Citi Custom Cash℠ Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on purchases, then 18.74% - 28.74% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 18.74% - 28.74% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.
BankAmericard® credit card
If you're looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 21 billing cycles for purchases then 15.49% - 25.49% Variable APR after that intro period is up - that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days then 15.49% - 25.49% Variable APR on balance transfers after that.
It's hard to overstate just how powerful the combination of these two benefits is - the lengthy periods of 0% interest on both purchases and balance transfers mean that this card helps you regain control over your financial life and puts time on your side to pay down debt faster. And unlike some other cards, there is no penalty APR, so a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.
Bank of America® Customized Cash Rewards credit card
If you’re looking to take control of how you earn credit card rewards, the Bank of America® Customized Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.
But this card isn’t just a winner when it comes to rewards. The Bank of America® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 18 billing cycles for purchases and then 17.49% - 27.49% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days and then 17.49% - 27.49% Variable APR on balance transfers after that intro period is up. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees.
Citi Simplicity® Card
Imagine getting over a year-and-a-half with 0% intro interest on a balance transfer or a big purchase. Reshape your financial picture with this industry-leading low-interest card from Citi - the Citi Simplicity® Card. For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with an intro APR of 0% for 21 months on Balance Transfers; after that, an APR of 18.74% - 29.49% (Variable) applies. Your payments will go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest.
It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 12 months on Purchases, then 18.74% - 29.49% (Variable) APR after that. Citi keeps it simple: it’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.
Bank of America® Unlimited Cash Rewards credit card
We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn 1.5% cash back on all purchases, with no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This combination of rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!
The Bank of America® Unlimited Cash Rewards credit card is also an exceptional choice for those looking to limit interest payments, with over a year of 0% intro APR on purchases and balance transfers. Cardholders get 0% Intro APR for 18 billing cycles for purchases, with 17.49% - 27.49% Variable APR after that. It’s a little different on the balance transfer side: Intro APR for 18 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 17.49% - 27.49% Variable APR on balance transfers applies. When making a balance transfer, you’ll end up paying a fairly standard balance transfer fee: 3% of the amount of each transaction. To sum it up, this card is an excellent $0 annual fee choice for anyone looking for unlimited cash back and not one to miss.
Citi Rewards+® Card
on Citibank's secure siteRates & Fees
If you buy gas and groceries, maximize your rewards with the Citi Rewards+® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. But that's not all - this card also comes with generous intro APR on purchases and balance transfers. If you have a big purchase, take advantage of the long 0% intro APR period, and pay down your balance with no interest charges piling up. Get a better interest rate when you transfer your balance to this card with intro APR 0% for 15 months, then 18.24% - 28.24% (Variable) APR after that. Every penny of your payment will go towards paying down your principal during the intro period, which can help you get out of debt faster.
The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relative low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Redeem your points for gift cards for nearly 100 different popular brands. The combination of long 0% intro APR, sign-up bonus and healthy rewards rate on Gas Stations and Supermarkets make this a good choice if you buy gas and groceries and don’t want to pay an annual fee.
Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card is something we don’t often see – a fresh entry in the rewards space that offers both top-tier points multipliers on key categories and solid intro APR on purchases. Let’s start with those rewards. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. That makes this card an ideal choice for maximizing your rewards whether you’re adventuring abroad or bingeing your new favorite show at home. And that’s not all—if you’re a new cardholder, you’ll earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months of card ownership, a $300 value.
This card also offers purchase peace of mind with 0% intro APR for 12 months from account opening on purchases, with 19.74%, 24.74%, or 29.74% variable APR after that. So long as you’re making your payments on time, you’ll get 0% APR on credit card balances held over from month-to-month, which can help you make sure you’re prepared for whatever life throws at you. One more important thing to note is that this card comes with no annual fee, which makes the Wells Fargo Autograph℠ Card even more attractive for those looking for a low-interest card with some rewards punch.
Wells Fargo Reflect® Card
Every so often a card comes along that really excites us: that’s most certainly the case with Wells Fargo’s debt-busting powerhouse, the Wells Fargo Reflect® Card. Why is this card such a hit? It’s because it’s laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.
If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect® Card has you covered with 18 months of 0% intro APR on purchases followed by an ongoing 17.74% - 29.74% variable APR after that. But where this card really sets itself apart is by giving you the opportunity to extend that already top-shelf savings period by up to another 3 months if you make all your minimum monthly payments on-time; that has the potential for an outstanding 0% intro APR up to 21 months from account opening - almost two years! And the same offer applies to balance transfers as well – if you’re transferring a balance from a different high-interest credit card, you could get 0% intro APR up to 21 months from account opening on qualifying balance transfers if you make all your minimum monthly payments, with the same 17.74% - 29.74% variable APR after that. This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.
Start Your Journey to Become Debt Free Now
If you are looking for a longer 0% intro APR offer, you may want to learn more about the U.S. Bank Visa® Platinum Card, which offers 0% intro APR for 18 billing cycles on Balance Transfers. After that, the APR will be 19.24% - 29.24% (Variable), based on your creditworthiness.
Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here.
How To Apply
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*According to data from the Federal Reserve, 57% of U.S. households carried a balance in one or more active credit card accounts.
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.
*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
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