Get Out of Debt Faster: Pay 0% Intro APR Until 2028

Excellent for earning cash back with a low intro APR

Discover it^® Cash Back

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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.

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on Issuer's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.74% - 26.74% (Variable)

Annual Fee

$0

Rewards Rate

1% - 5% 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.

Cash back

Why We Like It

• Our Take: A multi-benefit card that could help you finance big purchases or help tackle your debt with 0% intro APR on purchases and balance transfers for 15 months (then APR is 17.74% - 26.74% (Variable); Balance transfer fee applies.)
• Multiply Your Cash Back: In addition to the Intro APR, Discover will match all the cash back you’ve earned at the end of your first year. For example, you could turn $150 cash back into $300.
• Annual Fee: None! And there's no foreign transaction fee, either.

Apply Now

on Issuer's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
• INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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% 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
• Redeem cash back for any amount. No annual fee
• Terms and conditions apply

Apply Now

on Issuer's secure website

Rates and fees

Why You'll Love The Discover it^® Cash Back Card

The Discover it^® Cash Back makes a great everyday or secondary credit card as it's packed with excellent benefits — all with a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until 2028, we're also impressed with the Discover it^® Cash Back's unique welcome bonus.

• Rotating 5% cash back categories: You have the ability to earn up to 5% cash back on different spending categories each quarter. You can 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. Redeem your rewards for cash at any time.
• Unique welcome bonus that doubles your cash back in your first year: Discover will match all the cash back you’ve earned at the end of your first year. You could turn $150 in cash back into $300. No caps, no hoops - it's one of the most generous first-year offers in the market.
• Incredible Intro APR offer: If you want to tackle high-interest debt or finance large purchases (or both!), this card offers 0% intro APR for 15 months on purchases and balance transfers. After the intro period, the go-to APR is 17.74% - 26.74% (Variable) (balance transfer fee applies).
• No annual or foreign transaction fee: Keep even more money in your wallet with a $0 annual fee and no foreign transaction fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

» Click here to apply now and pay 0% intro APR until 2028

We think Discover it^® Cash Back is tough to beat, but if you'd like to explore other options, here are three great alternatives.

Excellent for travel + intro purchase and balance transfer perks

Capital One VentureOne Rewards Credit Card

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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.

Apply Now

on Capital One's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

18.74% - 28.74% (Variable)

Annual Fee

$0

Rewards Rate

1.25X - 5X 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Miles

Why We Like It

• Earn a 20,000 miles bonus once you spend $500 on purchases within the first 3 months from account opening. That's worth $200 towards travel!

• Long intro APR period to help fund your next purchase or tackle debt

• Earn unlimited travel rewards and get access to great prices on thousands of flights, hotels, and more through Capital One Travel - all with no annual fee.

Apply Now

on Capital One's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
• Top rated mobile app

Apply Now

on Capital One's secure website

Rates and fees

2026 AWARD WINNER Best 0% Intro APR and Balance Transfer Card

Wells Fargo Reflect^® Card

Apply Now

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.

Apply Now

on Wells Fargo's secure website

Rates and fees

Intro APR

Purchases:
0%, 21 months from account opening

Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers

Regular APR

17.74%, 24.24%, or 28.49% Variable

Annual Fee

$0

Rewards Rate

N/A

Why We Like It

• Nearly unbeatable for the ability to pay 0% intro APR for 21 months from account opening on both purchases and qualifying balance transfers! (then APR is 17.74%, 24.24%, or 28.49% Variable)

• Up to $600 cell phone protection against damage or theft when you pay your cell phone bill with your card (subject to a $25 deductible) and Roadside Dispatch® available when you’re in need of a tow.

• Our 2026 pick for the Best 0% Intro APR and Balance Transfer Card, with no annual fee.

Apply Now

on Wells Fargo's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
• $0 annual fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Apply Now

on Wells Fargo's secure website

Rates and fees

2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

Apply Now

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.

Apply Now

on Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Annual Fee

$0

Rewards Rate

1.5% - 5% 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

Cash Back

Why We Like It

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

• Enjoy 0% intro APR on purchases for 15 months and 0% intro APR on balance transfers for 15 months (then 18.24% - 27.74% Variable APR)

• Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 1.5% cash back on all other purchases

Apply Now

on Chase's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Apply Now

on Chase's secure website

Rates and fees

Discover it® Cash Back

• Enjoy no annual fee and the opportunity for generous cash back.

• Discover will match all the cash back you’ve earned at the end of your first year.

• Pay 0% intro APR on purchases + balance transfers for 15 months, then 17.74% - 26.74% (Variable) APR (balance transfer fee applies).

Apply Now Rates and fees

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