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Pay 0 Interest Until 2022

If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many offer more than a year of 0% APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy. Compare these deals, some of which are from our partners, to find the one for you.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
Citibank Diamond Preferred Credit Card

on Citibank's application

4.8

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • 0% for 18 months on transfers if you qualify

Cons

  • No rewards
  • 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.
Annual Fee

$0

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • 0% for 18 months on transfers if you qualify

Cons

  • No rewards
  • 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.

Why we like it?

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card has two ideal features: a $0 annual fee and a long 0% intro APR offer. Both can save you money as you pay down a balance. The Citi® Diamond Preferred® Card lets you choose a monthly payment due date that works for you. That can offer a little flexibility as you attack your balance.

With the Citi® Diamond Preferred® Card, you’ll pay a 0% intro APR on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 14.74% - 24.74% Variable APR. That's one of the longest interest-free periods for balance transfers on the market.




Citi® Double Cash Card

on Citibank's application

5.0

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
  • 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.
Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

$0

Recommended Credit Score

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
  • 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.

Why We Like It?

Citi® Double Cash Card – 18 month BT offer

The industry standard for cash back used to be 1%. As its name implies, the Citi® Double Cash Card – 18 month BT offer essentially doubles that rate, paying 1% on the front end and 1% after paying the bill. The sooner you pay your balance, the sooner you earn the second half of the rewards. That's a powerful incentive to pay your credit card bill in full every month, which we recommend you do anyway to avoid interest.

Many cash-back cards offer bonus categories — some of them permanent, some that change every month. They allow you to earn extra rewards in featured spending categories, such as gas stations, restaurants and home-improvement stores. They can be a hassle to keep track of. Some limit the amount of spending eligible for bonus rewards, and all spending over that limit earns a mundane 1% cash back.




Discover it® Cash Back

on Discover's website, or call (800) 347-0264

Rates & Fees

4.8

NerdWallet rating 

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better
  • INTRO OFFER: Unlimited Cashback Match – 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.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better
  • INTRO OFFER: Unlimited Cashback Match – 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.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees

Why we like it?

Discover it® Cash Back

The Discover it® Cash Back offers plenty of breathing room for paying off balances after opening the account. It comes with a generous introductory offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. The balance transfer fee is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. That's on par with other balance transfer cards.

If you want to make a large purchase and pay it off over time, this is an especially valuable perk. Just keep in mind that if you're using the card as a balance transfer option, you'll likely want to avoid making new purchases with it, and instead use the card solely for paying off debt. That might mean missing out on the rich sign-up bonus offer.




American Express Blue Cash Everyday Credit Card

on American Express's website

Rates & Fees

4.3

NerdWallet rating 

on American Express's website

Rates & Fees
Annual Fee

$0

Rewards Rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • Bonus rewards at U.S. supermarkets and U.S. gas stations
  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • $25 minimum redemption
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • Bonus rewards at U.S. supermarkets and U.S. gas stations
  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • $25 minimum redemption
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • View Rates and Fees

Why We Like It?

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express comes with a bonus offer for new cardholders: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. That’s a nice incentive.

Getting 3% back on your U.S. supermarket spending is a nice return on a potentially big portion of the household budget. It essentially means getting a discount on all the food, paper goods, personal care products and other items you buy regularly at the grocery store. Terms apply.




US Bank Visa Platinum Credit Card

on US Bank's website

Rates & Fees

5.0

NerdWallet rating 

on US Bank's website

Rates & Fees
Annual Fee

$0*

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • Cell phone insurance

Cons

  • No rewards
  • Foreign transaction fee
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees
Annual Fee

$0*

Rewards Rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • Cell phone insurance

Cons

  • No rewards
  • Foreign transaction fee
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees

Why We Like It?

U.S. Bank Visa® Platinum Card

If you're considering this card to help manage your debt, make sure to mind the balance transfer fee. The U.S. Bank Visa® Platinum Card charges Either 3% of the amount of each transfer or $5 minimum, whichever is greater. Although there are cards that don't have this charge, they typically have shorter introductory 0% APR periods.

If you're looking to finance a major purchase, the U.S. Bank Visa® Platinum Card is one of the best options on the market for buying time until you can pay it off. That’s because the card charges an annual fee of $0*, yet it offers a 0%* intro APR for 20 billing cycles on purchases and balance transfers*, and then the ongoing APR of 14.49% - 24.49%* Variable APR.




American Express Cash Magnet℠ Card

on American Express's website

Rates & Fees

4.8

NerdWallet rating 

on American Express's website

Rates & Fees
Annual Fee

$0

Rewards Rate

1.50%

Cashback

Intro offer

$150

Recommended Credit Score

Pros

  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
  • View Rates and Fees
Annual Fee

$0

Rewards Rate

1.50%

Cashback

Intro offer

$150

Recommended Credit Score

Pros

  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
  • View Rates and Fees

Why We Like It?

American Express Cash Magnet® Card

1.5% back on all purchases has become the standard for cash-back credit cards, and it's the same rate as that offered by popular cards like the Capital One Quicksilver Cash Rewards Credit Card. As with those cards, the American Express Cash Magnet® Card will also cost you nothing to carry each year, assuming you don't rack up interest charges.

The card offers 0% intro APR on Purchases for 15 months , and then the ongoing APR of 13.99% - 23.99% Variable APR. That's a decent window of time to finance a big-ticket purchase without interest charges. You could also take advantage of the introductory balance transfer APR; just be aware that you'll be charged a balance transfer fee.




Capital One Quicksilver Credit Card

on Capital One's website

4.9

NerdWallet rating 

on Capital One's website

Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases
  • Sign-up bonus

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit
  • 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
  • Pay no annual fee or foreign transaction fees
Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases
  • Sign-up bonus

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit
  • 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
  • Pay no annual fee or foreign transaction fees

why we like it?

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a good option for the fee-averse. It charges an annual fee of $0, and because it has no foreign transaction fees, it's one of the best cash-back cards to take with you when traveling internationally.

This card is also a great option if you have a big purchase coming up that will take a few months to pay off. It has an introductory APR of 0% intro APR on Purchases for 15 months, and then the ongoing APR of 15.49% - 25.49% Variable APR.