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Pay No Interest For Up to 21 Months

Apply for any card on this page and you could get 0% intro APR.

If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many of the cards below offer more than a year of 0% intro APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy.

Compare these deals to find the one for you.

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NerdWallet's Pay No Interest For Up to 21 Months

Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
Discover it® Cash Back: Best for High Rewards Rate in Rotating Categories and First Year Cashback Match
Capital One Savor Cash Rewards Credit Card: Best for Delicious Foodie-Focused Rewards, for No Annual Fee

Apply for any card on this page and you could get 0% intro APR.

Credit card	NerdWallet rating	Annual fee	Intro APR	Regular APR	Learn more
Chase Freedom Unlimited® Apply Now on Chase's website on Chase's website Rates & Fees	5.0/5 Excellent for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer	$0	0% intro APR on purchases and Balance Transfers for 15 months	18.99%-28.49% Variable APR	Apply Now on Chase's website on Chase's website Rates & Fees
Wells Fargo Reflect® Card Apply Now on Wells Fargo's website on Wells Fargo's website Rates & Fees	4.5/5 Excellent for Long 0% Period for Transfers and Purchases	$0	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers	17.24%, 23.74%, or 28.99% Variable APR	Apply Now on Wells Fargo's website on Wells Fargo's website Rates & Fees
Discover it® Cash Back Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees	4.9/5 Excellent for High Rewards Rate in Rotating Categories and First Year Cashback Match	$0	0% intro APR for 15 months on purchases and balance transfers	18.24%-27.24% Variable APR	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees
Capital One Savor Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website Rates & Fees	5.0/5 Excellent for Delicious Foodie-Focused Rewards, for No Annual Fee	$0	0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies	19.24%-29.24% Variable APR	Apply Now on Capital One's website on Capital One's website Rates & Fees

Last chance! $250 limited time offer ends 5/1/25 at 9am EST