The Wells Fargo Reflect® Card offers one of the longest 0% intro APR periods on the market: 21 months from account opening on purchases and qualifying balance transfers (then a 16.99%, 23.49%, or 28.74% Variable APR). That’s nearly two years to chip away at a balance without interest piling up—a major win if you’re carrying debt from a high-rate card or gearing up for a large expense.

Even better? No annual fee, and as a bonus, the card includes up to $600 in cell phone protection (subject to a $25 deductible) when you pay your phone bill with the card. With a long intro APR and built-in protections, the Wells Fargo Reflect® Card is a smart, no-frills option for getting your finances back on track—without interest dragging you down.

If you're looking for a low-stress, long-term tool to tackle balances or finance a big purchase, Citi Simplicity delivers exactly what its name promises with one of the longest intro APR periods available: 0% intro APR for 21 months on balance transfers (for transfers completed within the first 4 months) and 12 months on purchases. After that, a 17.99%-28.74% Variable APR applies. That’s a rare window of time to catch up—without worrying about interest piling up.

There’s no annual fee, no late fees, and no penalty APR, making it a true “set it and forget it” option for anyone focused on managing payments without added stress. While this card doesn’t offer rewards or a welcome bonus, it makes up for it with simplicity and flexibility—like letting you choose your own payment due date.

If you need extra time to pay off a purchase or chip away at debt, the Chase Freedom Unlimited® offers a 0% intro APR for 15 months on purchases and balance transfers (then a 18.99%-28.49% Variable APR applies). That gives you over a year of breathing room—with no interest slowing you down.

But this card doesn’t stop at low interest. It also earns 5% cash back on travel booked through Chase, 3% on dining and drugstores, and 1.5% on everything else—a solid rewards structure with no rotating categories to track. You’ll also get a $200 bonus after spending just $500 in the first 3 months, and pay no annual fee to carry the card. Toss in extras like purchase protection, extended warranty coverage, and trip insurance, and you’ve got one of the most well-rounded everyday cards on the market.

The Discover it® Cash Back is a great pick if you like earning big rewards without paying an annual fee. You’ll earn 5% cash back on popular categories that rotate each quarter (up to $1,500 in spending) — think things like grocery stores, gas stations, restaurants, and online shopping. Just remember to activate each quarter. For everything else, you still get a solid 1% back.

What really makes this card stand out? Discover matches all the cash back you earn at the end of your first year. That means if you rack up $200, they’ll double it to $400—automatically. No hoops, no limits.

There’s also a 0% intro APR for 15 months on both purchases and balance transfers, so you’ve got some breathing room if you’re making a big purchase or tackling existing debt (then a 18.24%-27.24% Variable APR applies).

If you want rewards that just work, this card delivers. The Citi® Double Cash Card is a standout for everyday spending, delivering a hard-to-beat 2% cash back — 1% when you buy and 1% when you pay it off. It’s simple, with no bonus categories or limits on rewards.

New cardholders can also earn a $200 cash back bonus (as 20,000 ThankYou® Points) after spending $1,500 in the first 6 months — adding extra value right out of the gate. And if you’re carrying a balance, the Citi® Double Cash offers a 0% intro APR on balance transfers for 18 months (then a 17.99%-27.99% Variable APR applies), making it a solid tool for tackling debt while you earn rewards.

With no annual fee and flexible redemption options — including statement credits, direct deposit, gift cards, or travel — this card is a reliable pick for people who want to make the most of every dollar spent, every day.

The Citi® Diamond Preferred® Card offers one of the longest 0% intro APR periods on the market—21 months on balance transfers (for transfers completed within 4 months) and 12 months on purchases (16.99%-27.74% Variable APR thereafter). That gives you plenty of time to pay off debt or cover a big expense without interest getting in the way.

There’s no annual fee, and while the card doesn’t offer ongoing rewards, it includes helpful extras like free FICO® Score access, ID theft protection, and access to Citi Entertainment for presale tickets and exclusive events. It’s a simple, low-cost option for anyone focused on reducing interest and managing payments over time.

The Capital One Savor is a strong pick if you want a mix of rewards and breathing room. It offers a 0% intro APR for 15 months on purchases and balance transfers (then a 19.24%-29.24% Variable APR applies), giving you time to pay off a big expense or existing balance without interest.

After that, the card really shines with everyday spending: earn 3% cash back on dining, grocery stores, entertainment, and streaming services, plus 1% on everything else. As a welcome bonus, enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. You won’t pay an annual fee or foreign transaction fees, and you’ll get helpful extras like purchase protection and extended warranty coverage.

If you're a frequent restaurant diner or grocery shopper, it'll be hard to find a better cash-back card for no annual fee. Add in the interest-free intro period, and it's a smart all-in-one choice for everyday spending.