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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 Simplicity® Card: Best for Extra-long Intro APR Period + No Late Fees
Chase Freedom Unlimited®: Best for Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Wells Fargo Reflect® Card: Best for Long Intro APR Period for Balance Transfers and Purchases
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer: Best for Long Intro APR, Plus Cash Back Rewards
U.S. Bank Shield™ Visa® Card: Best for Best for Long intro period + side perks
Citi Double Cash® Card: Best for Cash-back With No Annual Fee
Citi® Diamond Preferred® Card: Best for Extra-long Balance Transfer Offer

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 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	17.99%-28.74% 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 Intro APR Period, 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 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	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 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	17.99%-26.99% Variable APR	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees
U.S. Bank Shield™ Visa® Card Apply Now on U.S. Bank's website on U.S. Bank's website Rates & Fees	4.6/5 Excellent for Best for Long intro period + side perks	$0	0% intro APR for 18 billing cycles on purchases and balance transfers	17.49%-28.49% Variable APR	Apply Now on U.S. Bank's website on U.S. Bank's website Rates & Fees
Citi Double Cash® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.9/5 Excellent for Cash-back With No Annual Fee	$0	0% intro APR on balance transfers for 18 months	17.99%-27.99% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees
Citi® Diamond Preferred® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.4/5 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	16.99%-27.74% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees