Take a Break From High Interest: This Top Card Offers 0% Intro APR into 2027
- Lengthy introductory no-interest period on both purchases and balance transfers
- Incredible cash back rewards and generous welcome offer
- No annual fee
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FinanceBuzz's credit card experts reviewed dozens of cards with low introductory APRs, and the Discover it® Cash Back(Rates and fees) is one of our favorites for its long introductory no-interest period on both purchases and balance transfers, incredible cash back rewards, no annual fee, and a welcome offer that doubles your cash back at the end of your first year.
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0%, 15 months
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
What You Need To Know
The Discover it® Cash Back makes a great everyday or secondary credit card as it's packed with excellent benefits — all with a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until 2027, we're also impressed with the Discover it® Cash Back's unique welcome bonus.
Benefits and perks:
- Rotating 5% cash back categories: You have the ability to earn up to 5% cash back on different spending categories each quarter. You can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Redeem your rewards for cash at any time.
- Unique welcome bonus worth up to 10% cash back in your first year: Discover will match all the cash back you’ve earned at the end of your first year. Combined with the up to 5% cash back reward rate, the bonus offer could earn you up to 10% cash back in your first year. Plus, there is no cap on how much you could earn!
- Intro APR offer: If you want to tackle high-interest debt or finance large purchases (or both!), this card is a great choice as it offers 0% intro APR for 15 months on purchases and balance transfers. After the intro period, the go-to APR is 17.49% - 26.49% Variable.
- No annual or foreign transaction fee: Keep even more money in your wallet with a $0 annual fee and no foreign transaction fee.
>> Apply for the Discover it® Cash Back card.
Bottom Line: Who Is This Card Best For?
The Discover it® Cash Back is a great choice for anyone who:
- Has good to excellent credit: The Discover it® Cash Back is a good choice for applicants with a credit score of 670+.
- Wants to pay off a large purchase over time or pay down high-interest debt Some cards offer an intro APR on just purchases or balance transfers independently, which is why we love that the Discover it® Cash Back offers 0% intro APR for 15 months on purchases and balance transfers. That's well over a year you don't have to worry about interest payments! After the intro period, the go-to APR is 17.49% - 26.49% Variable.
- Is looking to maximize cash back rewards: While you do need to activate and track rotating reward categories, it's a reasonable tradeoff for the ability to earn an elevated rate on common spending categories. And don't forget, Discover will match all the cash back you’ve earned at the end of your first year.
>> Click here to apply now and pay an intro 0% APR until 2027
- $0 annual fee
- Intro APR on purchases and balance transfers
- Apply Now
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee
$0
Why we like it
Other Cards You Might Like:
The Discover it® Cash Back card is hard to beat with its incredible cash back rewards, notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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If you want travel rewards on top of a low intro APR on purchases and balance transfers:
Picture yourself smiling every time you swipe your Capital One VentureOne Rewards Credit Card(Rates and fees) because you won’t have to pay interest until 2027. You could transform your financial situation in no time.
Enjoy 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), then APR 18.49% - 28.49% (Variable). You can skip the frustrating interest charges for a time and make moves against runaway credit card debt.
Plus, you can earn an unlimited 1.25 miles per dollar on every purchase, every day. Beyond travel, miles can also be redeemed for gift cards, to shop on Amazon.com, or to pay for purchases via PayPal Pay with Rewards. Rack up even more rewards by earning 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
And new cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee: $0
Click here to apply for the Capital One VentureOne Rewards Credit Card now.
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If you want to pay no interest into 2027 on purchases and balance transfers and earn a generous welcome bonus:
The Bank of America® Customized Cash Rewards credit card(Rates and fees) checks all the boxes for a top intro APR credit card. It has a long 0% APR intro period, a generous welcome offer, great cashback rewards, and no annual fee.
You can pay off high-interest debt faster with this card's 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 17.49% - 27.49% Variable.
You can also earn cash back rewards for your everyday spending. A flat cash back structure can be great for simplicity, but bonus categories can really amp up your cash back earning potential based on your specific spending habits. Enjoy all this with no annual fee and a $200 welcome bonus.
Annual Fee: $0
Click here to apply now for the Bank of America® Customized Cash Rewards credit card
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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