Stop Throwing Out Money: Pay No Interest Until 2026

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

Say goodbye to interest payments on balance transfers until 2026 thanks to a 0% intro APR for 21 months; plus, you'll have the additional benefit of 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.49% - 29.24% (Variable). This card provides a great opportunity to make a significant dent in your credit card debt.

The Citi Simplicity^® Card has no late fees, no annual fee, and no penalty rates. This card makes it simple to help secure a better financial future!

Annual Fee: $0

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

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.

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.

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.

Wipe out high interest rates into 2026!

The Citi Double Cash^® Card features a category-leading 18 months of 0% intro APR on balance transfers; then 18.49% - 28.49% (Variable). Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Citi Double Cash^® Card has no annual fee. On top of that, 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 with the Citi Double Cash^® Card.

Annual Fee: $0

With one of the longest intro APRs available, the Citi^® Diamond Preferred^® Card is a hands-down choice for a balance transfer card.

The Citi Diamond Preferred features 21 months of 0% intro APR on balance transfers. This is an incredible way to eliminate high interest payments until 2026 and pay down your balance interest free.

There is no annual fee and new cardholders can also enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 17.49% - 28.24% (Variable) for the Citi^® Diamond Preferred^® Card.

Annual Fee: $0