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Do you have high-interest credit card debt you're struggling to pay off?
You're not alone. In Q2 of 2020, 57% of U.S. households carried a balance on their active credit card accounts.* 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 20 months 0% Intro APR, which means on certain cards you could pay 0 interest until nearly 2023.
Compare these cards and discover which one is best for you.
Intro Purchase APR: 0% intro on purchases for 15 months, and then 15.49% - 25.49% (Variable) APR after that.
Rewards: 1.5% Cash Back on every purchase, every day.
Extras: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, and cash back won't expire for the life of the account.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
Intro Balance Transfer APR: Intro APR of 0% for 18 months on Balance Transfers and then 14.74% - 24.74% (Variable) APR after that intro period is up.
Intro Purchase APR: Intro APR of 0% for 18 months on Purchases and then 14.74% - 24.74% (Variable) APR after that.
Rewards: This card doesn’t have a rewards program, but the 18 months of 0% intro APR on purchases and balance transfers still make this a top pick.
Extras: Get free access to your FICO® Score online, plus, with Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, and more.
0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase APR
13.99% – 23.99% (Variable)
Highlights
Click "APPLY NOW" to apply online or call 888-343-4081. Speech/hearing impaired: 711 or other Relay Service
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.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro Balance Transfer APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, and then 13.99% - 23.99% Variable APR.
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases, and then 13.99% - 23.99% Variable APR after that.
Rewards: 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases. Plus, you can switch up your 3% cash back category each month to maximize your cash back.
Extras: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR
Sign Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Contactless Cards - The security of a chip card, with the convenience of a tap
Intro Balance Transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days and then 12.99% - 22.99% Variable APR after that intro period is up.
Intro Purchase APR: 0% Intro APR for 18 billing cycles for purchases and then 12.99% - 22.99% Variable APR after that.
Rewards: This card doesn’t come with a traditional rewards program, but 18 months of 0% interest on both purchases and balance transfers still makes this a compelling choice.
Extras: This card comes with no penalty APR, so your interest rate won’t skyrocket if you miss a payment.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO® Score for free within Online Banking or your Mobile Banking app
Contactless Cards - The security of a chip card, with the convenience of a tap
Intro Balance Transfer APR: 0% intro APR for 18 months on qualifying balance transfers and then 16.49%-24.49% (Variable) APR after that.
Intro Purchase APR: 0% intro APR for 18 months from account opening on purchases with this card and then 16.49%-24.49% (Variable) APR after that intro period is up.
Rewards: This card doesn't come with a rewards program, but 18 months of 0% intro APR on both balance transfers and purchases still make this card hard to ignore.
Extras: Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your Wells Fargo Platinum card and get easy access to your FICO® Credit Score with Wells Fargo Online®.
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then 16.49%-24.49% (Variable)
Extra Perks
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
Credit Tools
Easy access to your FICO® Credit Score with Wells Fargo Online®. Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
Highlights
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
$0 Annual Fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
Easy access to your FICO® Credit Score with Wells Fargo Online®
Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
Convenient tools to help create a budget and manage your spending with My Money Map
Select "Apply Now" to learn more about the product features, terms and conditions
Intro Balance Transfer APR: Intro APR of 0% for 15 months and then 13.49% - 23.49% (Variable) APR after that.
Intro Purchase APR: Intro APR of 0% for 15 months and then 13.49% - 23.49% (Variable) APR once that intro period is up.
Rewards: Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Extras: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro Purchase APR: Intro APR of 0% on purchases for 15 months and then 13.99%-23.99% Variable APR after that intro period is up.
Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.
Extras: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Intro Balance Transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers and then 14.49%-24.99% (Variable) APR after that intro period over.
Intro Purchase APR: 0% intro APR for 15 months from account opening and then 14.49%-24.99% (Variable) APR after that.
Rewards: Earn unlimited 1.5% cash rewards on purchases. It's simple, effective and even better, those points never expire.
Extras: Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months.
Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months. 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
Introductory APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then 14.49%-24.99% (Variable)
Rewards Rate
Earn unlimited 1.5% cash rewards on purchases
Highlights
Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
$0 annual fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
Select "Apply Now" to learn more about the product features, terms and conditions
If you are looking for a longer 0% intro APR offer, you may want to learn more about the U.S. Bank Visa® Platinum Card, which offers 0% intro APR for 20 months on balance transfers. After that, the ongoing APR will be 14.49% - 24.49%* (Variable), based on your creditworthiness.
Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here.
How To Apply
It's a quick and easy application process. Click Apply Now to fill out the application on the issuer’s secure site. You may be able to find out within minutes if your application is approved. Get started now!
*According to data from the Federal Reserve, 57% of U.S. households carried a balance in one or more active credit card accounts.
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About Our Ratings
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Excellent Credit
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Good Credit
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Fair Credit
Between 600 - 659
Credit cards for fair credit are intended for those with a credit score between 600 - 659.
Poor Credit
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
No/Limited Credit
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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