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Do you have high-interest credit card debt you're struggling to pay off?
You're not alone — nearly half of Americans carry a balance on their credit cards from month to month. If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer or low interest cards with 0% intro APR and start saving money.
Our credit card experts hand selected the cards below because of their long 0% intro APR interest offers. These offers range from 12 months all the way up to 21 months 0% Intro APR, which means on certain cards you could pay 0 interest until nearly 2028.
Compare these cards and discover which one is best for you.
The Citi Double Cash Credit Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments: earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. to earn cash back, pay at least the minimum due on time. plus, earn 5% total cash back on hotel, car rentals and attractions booked with citi travel.
With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn.
Cardmembers will also enjoy an intro APR of 0% intro APR for 18 months on Balance Transfers, then 17.49% - 27.49% (Variable) APR after that - this is about as good as it gets for paying no interest on balance transfers on a card with no annual fee!
It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash® Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases. with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash rewards. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months from account opening.
But this $0-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash® Card offers a lengthy 0% intro APR period on purchases: 0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
This cash rewards card comes with a unique welcome offer unlike anything you’ve seen: 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. The Discover it® Cash Back card earns 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically. On top of the incredible rewards program, this card comes with 0% Intro APR for 15 months on purchases and then 17.49% - 26.49% Variable APR applies. Cardholders also get 0% Intro APR for 15 months on balance transfers and then 17.49% - 26.49% Variable APR applies. Plus, the annual fee is $0, and there's no foreign transaction fees.
A credit card with a lengthy period of 0% intro APR on purchases or balance transfers can mean substantially fewer costs in the long run if you're preparing for a big purchase on the horizon or if you're looking to transfer a balance from a high-interest card.
Apply now for one of these top 0% intro APR cards and say goodbye to high monthly interest charges!
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply