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

  • 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

  • Citi Simplicity® Card: Best for Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees

  • Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases

  • Citi Double Cash® Card: Best for Flat Rate Cash Back With a 0% Intro APR on Balance Transfer

  • Wells Fargo Active Cash® Card: Best for 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on Purchases

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Chase Freedom Unlimited® Image
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
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 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

Wells Fargo Reflect® Card Image
Wells Fargo Reflect® Card
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

Citi Double Cash® Card Image
Citi Double Cash® Card
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

Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Excellent for 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on Purchases

$0

0% intro APR on Purchases for 12 months from account opening and 0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers

19.24%, 24.24%, or 29.24% Variable APR

Excellent for: Long intro period + quarterly categories

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer card image
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer
4.9
NerdWallet rating
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: Flat Rate Cash Back With a 0% Intro APR on Balance Transfer

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 0% Period for Transfers and Purchases

Wells Fargo Reflect® Card card image
4.5
Annual fee
$0
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

Excellent for: 0% 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: 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on Purchases

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months from account opening and 0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Recommended Credit Score
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