When you're paying high interest on your credit card balance, it's hard not to feel like debt follows you everywhere. Stop making high-interest credit card payments and choose one of these fantastic cards from our partners, offering 0% intro APR periods for up to 21 months.
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|---|
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Discover it® Cash Back |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for high-rate cash back categories
4.7
|
2025 award winner Best 0% Intro APR Credit Card /images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card |
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
Excellent for balance transfer perks + no annual fee
4.9
|
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Citi Double Cash® Card |
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
Excellent for high flat-rate cash back rewards
5.0
|
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Discover it® Chrome |
Balance Transfer:
0%, 18 months
Purchases:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for cash back and paying down debt
4.2
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited® |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$200
Bonus
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
Wells Fargo Active Cash® Card |
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
19.24%, 24.24%, or 29.24% Variable
|
$200
Cash rewards
|
$0
|
Excellent for high flat-rate cash rewards
5.0
|
Today's Top No Interest Credit Cards
Discover it® Cash Back
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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 cashback rewards!
Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR. 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 a 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. 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
Wells Fargo Reflect® Card
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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 17.24%, 23.74%, or 28.99% 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 17.24%, 23.74%, or 28.99% Variable applies.
The best part? There's no annual fee.
Citi Double Cash® Card
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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 2027 thanks to a 0% intro APR for 18 months; then 18.24% - 28.24% (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, 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).
Discover it® Chrome
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Wipe out high interest rates until nearly 2027 on balance transfers!
The Discover it® Chrome(Rates and fees) features 18 months of 0% intro APR on balance transfers; then 18.24% - 27.24% Variable. 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
Chase Freedom Unlimited®
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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®(Rates and fees)!
With an extended 0% intro APR period on purchases and balance transfers for the first 15 months, you can take a break from paying interest until August 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 18.99% - 28.49% Variable.
And you don’t want to overlook the amazing cashback benefits: Cardholders can 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 Chase Freedom Unlimited® now.
Wells Fargo Active Cash® Card
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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 19.24%, 24.24%, or 29.24% 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
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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, 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 18.24% - 27.24% Variable.
- $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.
Benefits
Card Details
- $0 annual fee
- Intro APR on purchases and balance transfers
- Dark web monitoring and other privacy protection services
- Apply Now
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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
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.
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.