CREDIT CARDSCREDIT CARDSPAY NO INTEREST FOR UP TO 21 MONTHS
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Pay No Interest For Up to 21 Months

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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.

NerdWallet's Pay No Interest For Up to 21 Months

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Citi Simplicity® Card Image
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

18.24%-28.99% Variable APR

Apply Now
on Citibank's application
on Citibank's application
Wells Fargo Reflect® Card Image
Wells Fargo Reflect® Card
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

Chase Freedom Unlimited® Image
Chase Freedom Unlimited®
Excellent for 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

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer Image
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
Excellent for Long Intro APR, Plus Cash Back Rewards

$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

Citi® Diamond Preferred® Card Image
Citi® Diamond Preferred® Card
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

17.24%-27.99% Variable APR

Citi Double Cash® Card Image
Citi Double Cash® Card
Excellent for Cash-back With No Annual Fee

$0

0% intro APR on balance transfers for 18 months

18.24%-28.24% Variable APR

Capital One Savor Cash Rewards Credit Card Image
Capital One Savor Cash Rewards Credit Card
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

19.24%-29.24% Variable APR

Excellent for: Extra-long Intro APR Period + No Late Fees

Citi Simplicity® Card card image
Citi Simplicity® Card
4.5
NerdWallet rating
Annual fee
$0
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

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

Annual fee
$0
Intro APR
0% intro APR on purchases and Balance Transfers for 15 months
Regular APR
18.99%-28.49% Variable APR
Recommended Credit Score

Excellent for: Long Intro APR Period for Balance Transfers and Purchases

Annual fee
$0
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Regular APR
16.99%, 23.49%, or 28.74% Variable APR
Recommended Credit Score

Excellent for: Extra-long Balance Transfer Offer

Annual fee
$0
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

Excellent for: Cash-back With No Annual Fee

Annual fee
$0
Intro APR
0% intro APR on balance transfers for 18 months
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Long Intro APR, Plus Cash Back Rewards

Annual fee
$0
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

Excellent for: Delicious Foodie-Focused Rewards, for No Annual Fee

Annual fee
$0
Intro APR
0% intro APR for 12 months on purchases and balance transfers; balance transfer fee applies
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score
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