Pay 0% Intro APR Until 2026

Discover it^® Miles soars above other offers with one of the most lucrative welcome offers available: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles. Earn 1.5 Miles per dollar on all purchases. With the welcome offer, that means you will earn 3 Miles for every $1 you spend during your first year as a cardholder, which is an incredible rate. Redeem your Miles as a statement credit towards travel purchases. If you have a big purchase coming up, rely on 0% intro apr for 15 months, with 18.24% - 27.24% variable apr after that. If you want a big welcome offer at the end of the year, this card delivers the best return on your first-year spending. There are no foreign transaction fees when you travel abroad and $0 annual fee.

Discover it^® Cash Back sports a lengthy intro period of 0% Intro APR for 15 months on purchases then 18.24% - 27.24% Variable APR after that. But when it comes to cash-back, the Discover it^® Cash Back card is truly in a league of its own. Cardholders will enjoy 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 that, you can take advantage of 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. And the $0 annual fee is just icing on the cake.

The Citi Double Cash^® 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, 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.

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 18.24% - 28.24% (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!

The Capital One Quicksilver Cash Rewards Credit Card is a card that truly offers the best of both worlds, with a long period of 0% intro APR on purchases and solid cash back rewards. Take advantage of 0% intro on purchases for 15 months and then 19.24% - 29.24% (Variable) APR after that intro period is over. That gives you over a year to to pay down your balance with no interest charges weighing you down - perfect when you have a large expense coming up. And it's the same for balance transfers: an APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies) followed by an ongoing APR of 19.24% - 29.24% (Variable).

But the real standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash back on everything you buy, everywhere - an impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, new cardholders can enjoy a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Even better, the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee, so you can put all the cash back you earn to work for you instead of paying down fees.

If you want to earn generous cash back* without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.  On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.

But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 18.24%-29.24% Variable APR after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. It's the same for balance transfers: an intro APR of 0% on balance transfers for 15 months, then 18.24%-29.24% Variable APR. Bottom line, this is a valuable $0-annual-fee cash back card that rewards you for things you buy every day - it's just that easy.

*To see rates & fees for Blue Cash Everyday^® Card from American Express, please click here.

If you’re looking to take control of how you earn credit card rewards, the Bank of America^® Customized Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 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. and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.

But this card isn’t just a winner when it comes to rewards. The Bank of America^® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases on purchases and then 18.24% - 28.24% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 18.24% - 28.24% Variable APR on balance transfers after that intro period is up. Balance transfers may not be used to pay any account provided by Bank of America. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees. 

For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi^® Diamond Preferred^® Card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an intro APR of 0% intro APR for 21 months on Balance Transfers, followed by 17.24% - 27.99% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% intro APR for 12 months on Purchases with 17.24% - 27.99% (Variable) APR after that, along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi^® Diamond Preferred^® Card also offers a multitude of cardholder perks.

Cardholders will also have free access to their FICO® Scores. Overall, the Citi^® Diamond Preferred^® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and has a $0 annual fee.

Every so often a card comes along that really excites us: that’s most certainly the case with Wells Fargo’s debt-busting powerhouse, the Wells Fargo Reflect^® Card. Why is this card such a hit? It’s because it’s laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.

If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect^® Card has you covered with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by an ongoing 17.24%, 23.74%, or 28.99% Variable APR after that.

This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.

The Chase Freedom Unlimited^® card comes with generous on-going cash-back rewards. With this card, enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. And this card comes with an amazing offer for new cardholders. There's also an incredible Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Who doesn't love earning extra cash back? 

In addition to the generous rewards program, cardholders will enjoy 0% Intro APR on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 18.99% - 28.49% Variable APR. And even better, if you’re looking to transfer a balance from a high-interest credit card, the Chase Freedom Unlimited^® card offers 0% Intro APR on Balance Transfers for 15 months, with 18.99% - 28.49% Variable APR once that intro period is up. Overall, the Chase Freedom Unlimited^® card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.

The high-paying Bank of America^® Travel Rewards credit card is one of the best flexible travel rewards cards available if you don’t want to pay an annual fee. And the long period of 0% intro APR just sweetens the deal — cardholders get 0% Intro APR for 15 billing cycles for purchases and then 18.24% - 28.24% Variable APR after the intro. This credit card also offers 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. On top of the generous sign-up bonus, you will earn 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. The rewards rate makes it easy to rack up travel rewards without having to game or figure out a complicated rewards structure. Just swipe and rake in rewards on every single purchase.

And when it comes time to redeem your rewards, this hassle-free card makes things easy. You can redeem points for a statement credit to pay for flights on any airline, any hotel, vacation package, rental car, baggage fees and more. No blackout dates. And the best part? You get all of this for a $0 annual fee.