Stop Throwing Out Money: Pay No Interest
Until Nearly 2027

Last updated Feb. 9, 2025 | By FinanceBuzz Editors

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.


Compare Today's Top No Interest Credit Cards

Capital One VentureOne Rewards Credit Card

0% Intro APR For 15 months + up to 5 miles per dollar
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
4.0
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on Capital One's secure website
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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 19.24% - 29.24% (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

INTRO 0% APR ON BALANCE TRANSFERS FOR 21 months - UNTIL NEARLY 2027!
Citi Simplicity® Card
Citi <span class='whitespace-nowrap'>Simplicity<sup>®</sup></span> Card
4.5
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on Citi's secure website
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Wipe out high interest rates for nearly 2 years!

The Citi Simplicity® Card features a category-leading 21 months of 0% intro APR on balance transfers (balance transfers must be completed within 4 months of account opening). Our editors love this — it is the perfect way to eliminate high interest payments and say goodbye to debt ASAP!

The Simplicity card has no late fees, no annual fee, and no penalty rates; plus, new cardholders can enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable).

Annual Fee: $0

Click here to apply now for the Citi Simplicity® Card(Rates and fees)


Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & QUALIFYING BALANCE TRANSFERS

Wells Fargo Reflect® Card
Wells Fargo <span class='whitespace-nowrap'>Reflect<sup>®</sup></span> Card
4.9
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on Wells Fargo's secure website
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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.

Click here to apply for the Wells Fargo Reflect® Card now.


Discover it® Cash Back

0% intro APR + up to 5% cash back

Discover it® Cash Back
Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Cash Back
4.7
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on Discover's secure website
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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 indefinitely at 99% of merchants!

Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 18.24% - 27.24% 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

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


Citi Double Cash® Card

0% Intro APR For 18 months On Balance Transfers + up to 2% cash back

Citi Double Cash® Card
Citi Double <span class='whitespace-nowrap'>Cash<sup>®</sup></span> Card
5.0
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on Citi's secure website
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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 2026 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).

Click here to apply now for the Citi Double Cash® Card


Discover it® Chrome

INTRO 0% APR ON BALANCE TRANSFERS FOR 18 months - INTO 2026!
Discover it® Chrome
Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Chrome
4.2
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on Discover's secure website
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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 18.24% - 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

Click here to apply now for the Discover it® Chrome


Chase Freedom Unlimited®

0% intro APR for 15 months + up to 6.5% cash back
Chase Freedom Unlimited®
Chase Freedom <span class='whitespace-nowrap'>Unlimited<sup>®</sup></span>
4.7
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on Chase's secure website
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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® Card!

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 May 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 19.49% - 28.24% 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

Click here to apply for Chase Freedom Unlimited® now.


Bottom line

The Capital One VentureOne Rewards Credit Card(Rates and fees) is a great choice if you want multiple intro APR offers and a simple way to earn travel rewards on everyday purchases — all with no annual fee.

  • Low intro APR: Enjoy a 0% intro APR on purchases for 15 months and a 0% intro APR on balance transfers for 15 months (then 19.24% - 29.24% (Variable)). Balance transfer fee applies.
  • Up to a powerful $731 in year one value: You could even increase your value with savvy use of the card’s transfer partners and higher spending categories.
  • Early spend bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.
  • Simple earning: Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
  • Lack of fees: The Capital One VentureOne has a $0 annual fee and no foreign transaction fees, helping you keep your money in your wallet.

Click here to apply now and start earning the 20,000 miles early spend bonus

0% Intro APR for 15 months

Benefits

Card Details

  • $0 annual fee
  • Simple and elevated rewards on every purchase
  • Flexible redemption options
  • Intro APR offers on purchases and balance transfers
  • No foreign transaction fees
  • Apply Now
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 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; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Capital One VentureOne Rewards Credit Card
4.0
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on Capital One’s secure website

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Intro Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening

Annual Fee

$0

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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.

Are no interest credit cards worth it?

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.

Who can benefit from a card with a 0% intro APR offer?

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.

What happens when a 0% intro APR offer ends?

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.

How is APR different from interest?

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.