Stop Throwing Out Money: Pay No Interest Until 2026

Discover it^® Cash Back

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.

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2026 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!

Get your financial future back on track thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 18.49% - 27.49% Variable *Rates as of December 12, 2024. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2026.

Annual Fee: $0

Click here to apply for the Discover it^® Cash Back now.

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.

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.

Wipe out high interest rates into 2026 on balance transfers!

The Discover it^® Chrome(Rates and fees) features 18 months of 0% intro APR on balance transfers; then 18.49% - 27.49% Variable *Rates as of December 12, 2024. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Discover it^® Chrome has no annual fee. On top of that, you can 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.

Annual Fee: $0

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

Capital One VentureOne Rewards Credit Card

4.0

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.

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 2026. 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 19.49% - 29.49% (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 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. That's worth $200 towards travel. 

Annual Fee: $0

Click here to apply for the Capital One VentureOne Rewards Credit Card now.

Citi Simplicity^® 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.

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(Rates and fees) 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

Click here to apply for the Citi Simplicity^® Card now.

Bank of America^® Travel Rewards credit card

4.1

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. Get a hold on your debt while avoiding adding to it with this incredible 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, APR then 18.49% - 28.49% Variable.

Even better, you could earn some serious rewards thanks to the ability to earn unlimited 1.5X points on all purchases with the opportunity to earn an additional 25%-75% more points on every purchase if you're a Bank of America Preferred Rewards® member.

Get a head start on earning points thanks to this sweet 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.

Bottom Line

The Discover it^® Cash Back(Rates and fees) is a great choice for a cash back credit card. Cardholders can benefit from a generous welcome offer, earn up to 5% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all without an annual fee.

• Cash Back Rewards: 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.
• 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. 

• Low Intro APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers. 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.

» Click here to apply now