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Pay No Interest For Up to 21 Months

Based on NerdWallet’s estimate of the average credit card interest rate, the average household debt, and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period.

Want to pay off your debt with less money in a shorter amount of time, or finance a big purchase without paying interest? A 0% intro APR credit card could help you save hundreds (or even thousands) in interest - and potentially get rid of your debt faster, if you pay it off within the 0% intro interest period. Cards with these three important qualities may help you save the most money:

A long 0% intro APR period
$0 annual fee
Low or no balance transfer fees

Good news: Every card on this page checks all of the most important boxes, so you can make your choice based on what extra perks you’re looking for — like up to 5% cash back on everyday purchases, cell phone protection, or redeemable travel rewards.

Compare the details below to find the right 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 - 18 Month Intro Balance Transfer Offer
Citi Simplicity® Card: Best for Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees
Citi Double Cash® Card: Best for Flat Rate Cash Back With a 0% Intro APR on Balance Transfer

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 - 18 Month Intro Balance Transfer Offer Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees	4.9/5 Excellent for	$0	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months	18.24%-27.24% 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 Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees	$0	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	18.24%-28.99% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees
Citi Double Cash® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.9/5 Excellent for Flat Rate Cash Back With a 0% Intro APR on Balance Transfer	$0	0% intro APR on balance transfers for 18 months	18.24%-28.24% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees