Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. Check out these featured card offers from our partners below.
Discover it® Cash Back
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. 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
Wells Fargo Reflect® Card
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.
Discover it® Chrome
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. 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
Capital One VentureOne Rewards Credit Card
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
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
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.
- $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.
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.