ADVERTISEMENT: products from our partners

Pay No Interest For Up to 21 Months

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.

Show summary

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
U.S. Bank Shield™ Visa® Card: Best for Best for Long intro period + side perks

Excellent for: 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer

Chase Freedom Unlimited®

5.0

Annual fee

Intro APR

0% intro APR on purchases and Balance Transfers for 15 months

Regular APR

18.99%-28.49% Variable APR

Recommended Credit Score

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
View Rates & Fees

Apply Now

on Chase's website

Excellent for: Long 0% Period for Transfers and Purchases

Wells Fargo Reflect® Card

4.5

NerdWallet rating

Apply Now

on Wells Fargo's website

Rates & Fees

Annual fee

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Recommended Credit Score

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
View Rates & Fees

Apply Now

on Wells Fargo's website

Excellent for: High Rewards Rate in Rotating Categories and First Year Cashback Match

Discover it® Cash Back

4.9

NerdWallet rating

Apply Now

on Discover's website,

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

Rates & Fees

Annual fee

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

18.24%-27.24% Variable APR

Recommended Credit Score

INTRO OFFER: 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.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
Apply and you could get a decision in as little as 90 seconds. No annual fee.
Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
View Rates & Fees

Apply Now

on Discover's website,

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

Excellent for: Delicious Foodie-Focused Rewards, for No Annual Fee

Capital One Savor Cash Rewards Credit Card

5.0

NerdWallet rating

Apply Now

on Capital One's website

Rates & Fees

Annual fee

Intro APR

0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies

Regular APR

19.24%-29.24% Variable APR

Recommended Credit Score

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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 and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates & Fees

Apply Now

on Capital One's website

Excellent for: Best for Long intro period + side perks

U.S. Bank Shield™ Visa® Card

4.6

NerdWallet rating

Apply Now

on U.S. Bank's website

Rates & Fees

Annual fee

Intro APR

0% intro APR for 18 billing cycles on purchases and balance transfers

Regular APR

17.74%-28.74% Variable APR

Recommended Credit Score

0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.74% - 28.74%.
4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
Get a $20 annual statement credit for 11 consecutive months of purchases.
No annual fee.
Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
Terms and conditions apply.
View Rates & Fees

Apply Now

on U.S. Bank's website