Stop Throwing Out Money: Pay No Interest Until Nearly 2026

Discover it^® Chrome

4.2

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

A card like this could be a godsend if you're trapped in debt that you're trying to pay off. It's called the Discover it^® Chrome, and it's offering something incredible: 18 months of intro 0% APR on balance transfers! (Then 18.49% - 27.49% Variable *Rates as of December 12, 2024.) 

Transfer any of your debt that's rapidly accruing interest to this card, so you can take advantage of the 0% intro APR on balance transfers for 18 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024). By transferring your debt, you can skirt around aggressive interest rates — and save potentially hundreds in charges.

Even better: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. And, Discover will match all the cash back you’ve earned at the end of your first year.

You'll also receive a much-welcome intro APR of 0% for 6 months on purchases. After the intro period for purchases and balance transfers, the APR is 18.49% - 27.49% Variable *Rates as of December 12, 2024. The annual fee is a cool $0 for the Discover it^® Chrome(Rates and fees).

Click here to apply now to the Discover it^® Chrome

Bank of America^® Unlimited Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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 18.49% - 28.49% 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.

Citi Double Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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 into 2026 thanks to a 0% intro APR for 18 months; then 18.49% - 28.49% (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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. 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

Bank of America^® Travel Rewards credit card

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FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Don't let the name fool you, the Bank of America^® Travel Rewards credit card is a balance transfer powerhouse. Transfer your high-interest credit card debt to this card and your payments can go directly towards paying down your balance for 15 billing cycles for any balance transfers made in the first 60 days.

New cardholders can enjoy an extended 0% intro APR period for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days. After the intro period, the APR is 18.49% - 28.49% Variable. That means you can focus on paying off your debt now and start enjoying the peace of mind that comes with saving money on interest.

But that’s not all, this card also offers a generous welcome bonus - earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Annual fee: $0

Click here to apply for the Bank of America^® Travel Rewards credit card now.

Wells Fargo Active Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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 12 months from account opening on purchases and qualifying balance transfers (then 19.49%, 24.49%, or 29.49% 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.

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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 March 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 19.74% - 28.49% 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

Wells Fargo Reflect^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Imagine getting 21 months from account opening with an intro 0% APR on qualifying 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 (then, an APR of 17.49%, 23.99%, or 29.24% Variable applies). 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; then, an APR of 17.49%, 23.99%, or 29.24% Variable applies.

The best part? There's no annual fee.

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

Bottom Line

The Discover it^® Chrome(Rates and fees) is a great choice for a balance transfer card. Cardholders can benefit from a generous welcome offer, earn up to 2% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all with a $0 annual fee.

• Low Intro APR on Balance Transfers and Purchases: Enjoy a 0% introductory APR for 18 months on balance transfers, and 0% introductory APR for 6 months on purchases. After the intro period, the APR is 18.49% - 27.49% Variable *Rates as of December 12, 2024. 
• $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.
  
• Cash Back Rewards: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Amazing Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.

• No Caps on Bonus Rewards: There is no minimum spending threshold and no maximum to the amount of cash back rewards you can earn with the first-year bonus.

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