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Stop Throwing Out Money: Pay No Interest for Up To 21 Months

CREDIT CARDS - BALANCE TRANSFER CREDIT CARDS
Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. Check out these featured card offers from our partners below.
Last updated June 20, 2024 | By FinanceBuzz Editors

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Citi Simplicity® Card

INTRO 0% APR ON BALANCE TRANSFERS FOR 21 months - UNTIL 2026!

4.5


Wipe out high interest rates for nearly 2 years!

The Citi Simplicity® Card features a category-leading 21 months of 0% intro APR on balance transfers. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Simplicity card has no late fees, no annual fee, and no penalty rates; plus, new cardholders can enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 19.24% - 29.99% (Variable) for the Citi Simplicity® Card(Rates and fees).

Annual Fee: $0

Click here to apply now for the Citi Simplicity® Card

Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & BALANCE TRANSFERS

4.9


Imagine getting 21 months from account opening with an intro 0% APR on balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can 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 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, or 29.99% Variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect® Card now.

Bank of America® Unlimited Cash Rewards credit card

Low Interest on Purchases and Qualifying Balance Transfers Until 2025

4.5


If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America® Unlimited Cash Rewards credit card.

Enjoy a 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 19.24% - 29.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America® Unlimited Cash Rewards credit card now.

Wells Fargo Active Cash® Card

15 MONTHS OF 0% INTRO APR + EARN unlimited 2% cash rewards on purchases

5.0


If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash® Card now.

Citi Double Cash® Card

0% Intro APR For 18 months On Balance Transfers + up to 2% cash back

4.8


Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Double Cash® Card could be just the card for you.

Say goodbye to interest payments on balance transfers until nearly 2026 thanks to a 0% intro APR for 18 months; then 19.24% - 29.24% (Variable)! That’s a solid year and a half to make a significant dent in your credit card debt.

Plus, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit, or check.

Enjoy all this with no annual fee with the Citi Double Cash® Card(Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Chase Freedom Unlimited® Card

0% intro APR for 15 months + up to 6.5% cash back

4.7


Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited® Card!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until September 2025 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Click here to apply for the Chase Freedom Unlimited® Card now.

Citi Custom Cash® Card

15 months OF 0% INTRO APR + EARN up to 5% cash back

4.7


If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further — the Citi Custom Cash® Card checks both of those boxes! You can earn up to 5% cash back while helping pay down debt.

New cardholders can also benefit from an intro APR of 0% for 15 months on purchases and qualifying balance transfers (then 19.24% - 29.24% (Variable)), which could be great for someone who wants a break from high interest rates while still earning rewards.

With the Citi Custom Cash® Card, you can earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases; plus, as a special travel offer, earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025! On top of that, a great welcome offer awaits: Earn $200 in cash back after you spend $1500 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 best part? There's no annual fee with the Citi Custom Cash® Card(Rates and fees).

Click here to apply for the Citi Custom Cash® Card

Bottom Line

The Citi Simplicity® Card is a great choice for almost everyone. Who doesn't love 21 months with an intro 0% APR on balance transfers — all without an annual fee?

  • Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 19.24% - 29.99% (Variable).
  • No fees: The Simplicity card has no late fees, no annual fee, and no penalty rates. Perfect for someone looking to pay down debt, not add to it.
  • Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Simplicity card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
  • Flexible Payment Date: Choose to pay your bill on any available due date at the beginning, middle, or end of the month.
  • Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning with the Citi Simplicity® Card(Rates and fees).

» Click here to apply now and pay no interest until 2026 on balance transfers 

No annual fee & 0% Intro APR

Benefits

Card Details

  • $0 annual fee.
  • 0% intro APR on purchases for 12 months, then 19.24% - 29.99% (Variable) APR
  • Includes access to Citi Entertainment, which offers exclusive presales.
  • Apply Now
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • 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).
  • Stay protected with Citi® Quick Lock
Citi <span class='whitespace-nowrap'>Simplicity<sup>®</sup></span> Card
4.5
Apply Now

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Intro Offer

Long introductory APR period on balance transfers

Annual Fee

$0

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Why we like it

How we chose these cards

FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.