Stop Throwing Out Money: Pay No Interest Until Nearly 2026

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 18.24%, 24.74%, or 29.99% 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 18.24%, 24.74%, or 29.99% 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

Wipe out high interest rates until nearly 2026!

The Discover it^® Cash Back(Rates and fees) features a powerful 0% intro APR for 15 months on purchases and balance transfers; then 18.24% - 28.24% Variable. Our editors love this — it's a perfect way to eliminate high interest payments, and say goodbye to debt ASAP!

The Discover it^® Cash Back has a $0 annual fee. On top of that, 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—automatically.

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

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 nearly 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 19.99% - 29.99% (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 19.24% - 29.99% (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.

Citi Double Cash^® Card

Thanks to a 0% intro APR for 18 months; then 19.24% - 29.24% (Variable), you get a solid 1.5 years to make a significant dent in your credit card debt. (Must be why our editors love this card — it's a fantastic way to pay off debt, fast!) 

This powerful card lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. 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.

Click here to apply now for the Citi Double Cash^® Card(Rates and fees)

Discover it^® Chrome

A card like this could be a godsend if you're trapped in debt that you're trying to pay off. It's called the Discover it^® Chrome, and it's offering something incredible: 18 months of intro 0% APR on balance transfers! (Then 18.24% - 28.24% Variable.) 

Transfer any of your debt that's rapidly accruing interest to this card, so you can take advantage of the 0% intro APR on balance transfers for 18 months (then 18.24% - 28.24% Variable). By transferring your debt, you can skirt around aggressive interest rates — and save potentially hundreds in charges.

Even better: 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. And, Discover will match all the cash back you’ve earned at the end of your first year.

You'll also receive a much-welcome intro APR of 0% for 6 months on purchases. After the intro period for purchases and balance transfers, the APR is 18.24% - 28.24% Variable. The annual fee is a cool $0 for the Discover it^® Chrome(Rates and fees).

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

Bottom Line

The Wells Fargo Reflect^® Card is a great choice for anyone looking to pay down debt. Cardholders can benefit from a long introductory APR period of 21 months from account opening on qualifying balance transfers and new purchases. Pay no interest until June 2026.

• Intro APR: Enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers then 18.24%, 24.74%, or 29.99% Variable APR thereafter.
• No annual fee: The Reflect card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
• Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
• Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

» Click here to apply now and pay 0% interest