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 |
|---|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
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
|
/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
|
/images/2024/12/16/citi-double-cash.jpg)
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
|
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
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
|
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited®
Apply Now
on Chase's secure website
|
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.49% - 28.24% Variable
|
Up to $300 Cash Back
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
BALANCE TRANSFER:
0%, 21 months
PURCHASES:
0%, 12 months
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
Compare Today's Top No Interest Credit Cards
Discover it® Cash Back
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
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 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.
Wells Fargo Reflect® Card
/images/2022/04/27/0427_reflect.png)
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
/images/2024/12/16/citi-double-cash.jpg)
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
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
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
Chase Freedom Unlimited®
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
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 June 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.Citi Simplicity® Card
/images/2024/12/16/citi-simplicity.jpg)
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 (APR then 18.24% - 28.99% (Variable); 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)
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 18.24% - 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% 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.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our 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.