Start Saving Money ASAP: Pay No Intro Interest For Up To 18 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. To save the most money, our nerdy experts recommend finding a card with three important qualities:
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 Start Saving Money ASAP: Pay No Intro Interest For Up To 18 Months
Discover it® Balance Transfer: Best for Balance Transfers and Bonus Categories
BankAmericard® credit card: Best for Efficient Tool to Whittle Down Debt
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% Intro Period for Transfers and Purchases
Wells Fargo Active Cash® Card: Best for 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on 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 | |
 BankAmericard® credit card Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 | Excellent for Efficient Tool to Whittle Down Debt | $0 | 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 |
| 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% Intro 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 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on Purchases | $0 | 0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers | 20.24%, 25.24%, or 29.99% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website |
Excellent for: Balance Transfers and Bonus Categories
- 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—automatically.
- Redeem your rewards for cash at any time.
- Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
- 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.
- No annual fee.
- Terms and conditions apply.
- View Rates & Fees
Excellent for: Efficient Tool to Whittle Down Debt
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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 Travel, 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 travel purchased through Chase Travel, 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, alerts, and more.
- Member FDIC
Excellent for: Long 0% Intro 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
Excellent for: 15 Months of 0% Intro APR, Plus Unlimited Flat Rate Cash Back on Purchases
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
