Pay 0 Interest Until Nearly 2023

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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.

Capital One Quicksilver Cash Rewards Credit Card

on Capital One's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 1,176 Offer Ratings
Over the Past 60 Days!

(1,176) Over the Past 60 Days!

Intro Balance Transfer APR: N/A

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.

Annual Fee: $0.

Citi® Diamond Preferred® Card

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 1,377 Offer Ratings
Over the Past 60 Days!

(1,377) Over the Past 60 Days!

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.

Annual Fee: $0.

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.9/5.0 from 315 Offer Ratings
Over the Past 60 Days!

(315) Over the Past 60 Days!

Intro Balance Transfer APR: Intro APR of 0% for 18 months on Balance Transfers and then 13.99% – 23.99% (Variable) APR once that intro period is over.

Intro Purchase APR: N/A

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Extras: There aren’t any caps on the cash back you earn and no categories to worry about, making maximizing your cash back simple.

Annual Fee: $0.

BankAmericard® credit card

on Bank of America's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 750 Offer Ratings
Over the Past 60 Days!

(750) Over the Past 60 Days!

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.

Annual Fee: $0.

Bank of America® Customized Cash Rewards credit card

on Bank of America's secure site

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.7/5.0 from 205 Offer Ratings
Over the Past 60 Days!

(205) Over the Past 60 Days!

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.

Annual Fee: $0.

Wells Fargo Platinum card

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 86 Offer Ratings
Over the Past 60 Days!

(86) Over the Past 60 Days!

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®.

Annual Fee: $0.

Citi Rewards+® Card

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 78 Offer Ratings
Over the Past 60 Days!

(78) Over the Past 60 Days!

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.

Annual Fee: $0.

Blue Cash Everyday® Card from American Express

on American Express's secure site

Rates & Fees

Terms Apply

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 109 Offer Ratings
Over the Past 60 Days!

(109) Over the Past 60 Days!

Intro Balance Transfer APR: N/A

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: $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.

Annual Fee: $0.

Chase Freedom Unlimited®

on Chase's secure site

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 150 Offer Ratings

(150)

Intro Balance Transfer APR: N/A

Intro Purchase APR: 0% Intro APR for 15 months and then 14.99% - 23.74% Variable APR after that.

Rewards: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.

Extras: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee: $0.

Chase Freedom Flex℠

on Chase's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 199 Offer Ratings
Over the Past 60 Days!

(199) Over the Past 60 Days!

Intro Balance Transfer APR: N/A

Intro Purchase APR: 0% Intro APR on Purchases for 15 months and then 14.99% - 23.74% Variable APR after that.

Rewards: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.

Extras: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee: $0.

Wells Fargo Cash Wise Visa® card

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 57 Offer Ratings
Over the Past 60 Days!

(57) Over the Past 60 Days!

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.

Annual Fee: $0.

Start Your Journey to Become Debt Free Now

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.