Start Saving Money ASAP: Pay No Intro Interest For Up To 18 Months
If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many offer more than a year of 0% intro APR to pay down your debts or help you tackle a longer-term debt reduction strategy.
Transferring a high-interest balance to a credit card with a 0% intro APR can save you hundreds or even thousands of dollars in interest, money you can apply toward getting out of debt sooner.
Compare these deals, some of which are from our partners, to find the one for you.
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NerdWallet's Start Saving Money ASAP: Pay No Intro Interest For Up To 18 Months
Discover it® Balance Transfer: Best for Balance Transfers and Bonus Categories
Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
U.S. Bank Visa® Platinum Card: Best for Long 0% Period for Transfers and Purchases
Start Saving Money ASAP: Pay No Intro Interest For Up To 18 Months From Our Partners
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
| Excellent for Balance Transfers and Bonus Categories | $0 | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 17.24%-28.24% Variable APR | Apply Now on Discover's website on Discover's website | |
| 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 | 20.49%-29.24% Variable APR | Apply Now on Chase's website on Chase's website | |
| Excellent for Long 0% Period for Transfers and Purchases | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 18.74%-29.74% Variable APR | Apply Now on US Bank's website on US Bank's website |
Excellent for: Balance Transfers and Bonus Categories
- INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- View Rates & Fees
Excellent for: 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 20.49% - 29.24%.
- 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, real-time alerts, and more.
- Member FDIC
Excellent for: Long 0% Period for Transfers and Purchases
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
