Rated 4.5/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
4.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!
Pay 0 Interest Until Nearly 2028
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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.
Discover it® Cash Back
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 after the intro period. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment.
Wells Fargo Autograph® Card
The Wells Fargo Autograph® Card is something we don’t often see – a fresh entry in the rewards space that offers both top-tier points multipliers on key categories and solid intro APR on purchases. Let’s start with those rewards. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.. That makes this card an ideal choice for maximizing your rewards whether you’re adventuring abroad or bingeing your new favorite show at home. And that’s not all—if you’re a new cardholder, you can take advantage of a Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value..
This card also offers purchase peace of mind with 0% intro APR for 12 months from account opening on purchases, with 18.49%, 24.49%, or 28.49% Variable APR after that. So long as you’re making your payments on time, you’ll get 0% APR on credit card balances held over from month-to-month, which can help you make sure you’re prepared for whatever life throws at you. One more important thing to note is that this card has a $0 annual fee, which makes the Wells Fargo Autograph® Card even more attractive for those looking for a low-interest card with some rewards punch.
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 , which offers . After that, the APR will be , based on your creditworthiness.
Looking for cash back and a balance transfer? The Citi Double Cash® Card 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.
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.
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.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
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
