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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 Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Discover it® Cash Back: Best for High Rewards Rate in Rotating Categories and First Year Cashback Match
Citi Simplicity® Card: Best for Extra-long Intro APR Period + No Late Fees
Wells Fargo Reflect® Card: Best for Long Intro APR Period for Balance Transfers and Purchases
U.S. Bank Shield™ Visa® Card: Best for Best for Long intro period + side perks

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 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	18.99%-28.49% Variable APR	Apply Now on Chase's website on Chase'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	17.99%-26.99% Variable APR	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 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	17.99%-28.74% Variable APR	Apply Now on Citibank's application on Citibank's application 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	16.99%, 23.49%, or 28.74% Variable APR	Apply Now on Wells Fargo's website on Wells Fargo's website 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	17.49%-28.49% Variable APR	Apply Now on U.S. Bank's website on U.S. Bank's website Rates & Fees