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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.

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Pay No Interest For Up to 21 Months

Chase Freedom Unlimited®: Excellent for Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Wells Fargo Reflect® Card: Excellent for Long Intro APR Period for Balance Transfers and Purchases
Citi® Diamond Preferred® Card: Excellent for Extra-long Balance Transfer Offer
Capital One Savor Cash Rewards Credit Card: Excellent for Delicious Foodie-Focused Rewards, for No Annual Fee
Citi Simplicity® Card: Excellent for Extra-long Intro APR Period + No Late Fees
U.S. Bank Shield™ Visa® Card: Excellent for Best for Long intro period + side perks
Bank of America® Customized Cash Rewards Visa® credit card: Excellent for Customizable Rewards
Discover it® Cash Back: Excellent for High Rewards Rate in Rotating Categories and First Year Cashback Match

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 Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer	$0	0% intro APR on Purchases and Balance Transfers for 15 months	18.49%-27.99% 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 Intro APR Period for Balance Transfers and Purchases	$0	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers	17.49%, 23.99%, or 28.24% 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	17.74%-26.74% Variable APR *Rates as of December 15, 2025.	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees
U.S. Bank Shield™ Visa® Card Apply Now on U.S. Bank's website on U.S. Bank's website Rates & Fees	4.6/5 Excellent for Best for Long intro period + side perks	$0	0% intro APR for 18 billing cycles on purchases and balance transfers	16.99%-27.99% Variable APR	Apply Now on U.S. Bank's website on U.S. Bank's website Rates & Fees
Citi Simplicity® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.5/5 Excellent for Extra-long Intro APR Period + No Late Fees	$0	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	17.49%-28.24% Variable APR	Apply Now on Citibank's application on Citibank's application 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 12 months on purchases and balance transfers; balance transfer fee applies	18.74%-28.74% Variable APR	Apply Now on Capital One's website on Capital One's website Rates & Fees
Citi® Diamond Preferred® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.4/5 Excellent for Extra-long Balance Transfer Offer	$0	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	16.49%-27.24% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees
Bank of America® Customized Cash Rewards Visa® credit card Apply Now on Bank of America's website on Bank of America's website	4.2/5 Excellent for Customizable Rewards	$0	0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days	17.74%-27.74% Variable APR	Apply Now on Bank of America's website on Bank of America's website

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

Chase Freedom Unlimited®

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