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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

Citi® Diamond Preferred® Card: Best for Ultra-long 0% Intro APR Period on Balance Transfers
Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer: Best for Long intro period + quarterly categories
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
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

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
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on Chase's website

Excellent for: Ultra-long 0% Intro APR Period on Balance Transfers

Citi® Diamond Preferred® Card

4.4

NerdWallet rating

Apply Now

on Citibank's application

Rates & Fees

Annual fee

Intro APR

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

Regular APR

17.24%-27.99% Variable APR

Recommended Credit Score

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
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on Citibank's application

Excellent for: Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees

Citi Simplicity® Card

4.5

NerdWallet rating

Apply Now

on Citibank's application

Rates & Fees

Annual fee

Intro APR

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

Regular APR

18.24%-28.99% Variable APR

Recommended Credit Score

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock
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on Citibank's application

Excellent for: Flat Rate Cash Back With a 0% Intro APR on Balance Transfer

Citi Double Cash® Card

4.9

NerdWallet rating

Apply Now

on Citibank's application

Rates & Fees

Annual fee

Intro APR

0% intro APR on balance transfers for 18 months

Regular APR

18.24%-28.24% Variable APR

Recommended Credit Score

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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on Citibank's application

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

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on Wells Fargo's website

Excellent for: Long intro period + quarterly categories

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

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 on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

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 your rewards for cash at any time.
Apply and you could get a decision in as little as 60 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 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable 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

Credit card	NerdWallet rating	Annual fee	Intro APR	Regular APR	Learn more
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
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
Citi® Diamond Preferred® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.4/5 Excellent for Ultra-long 0% Intro APR Period on Balance Transfers	$0	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	17.24%-27.99% Variable APR	Apply Now on Citibank's application on Citibank's application 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 Long intro period + quarterly categories	$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 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