Stop Throwing Out Money: Pay No Interest Until 2026

Citi Simplicity^® Card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Simplicity^® Card could be just the card for you.

Say goodbye to interest payments on balance transfers until 2026 thanks to a 0% intro APR for 21 months; plus, you'll have the additional benefit of 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.74% - 29.49% (Variable). This card provides a great opportunity to make a significant dent in your credit card debt.

The Citi Simplicity^® Card(Rates and fees) has no late fees, no annual fee, and no penalty rates. This card makes it simple to help secure a better financial future!

Annual Fee: $0

Click here to apply for the Citi Simplicity^® Card now.

Discover it^® Chrome

4.2

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wipe out high interest rates into 2026 on balance transfers!

The Discover it^® Chrome(Rates and fees) features a category-leading 18 months of 0% intro APR on balance transfers; then 18.74% - 27.74% Variable. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Discover it^® Chrome has no annual fee. On top of that, you can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Annual Fee: $0

Click here to apply now for the Discover it^® Chrome

Wells Fargo Reflect^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Imagine getting 21 months from account opening with an intro 0% APR on qualifying balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers (then, an APR of 17.74%, 24.24%, or 29.49% Variable applies). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases; then, an APR of 17.74%, 24.24%, or 29.49% Variable applies.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect^® Card now.

Citi Double Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Double Cash^® Card could be just the card for you.

Say goodbye to interest payments on balance transfers into 2026 thanks to a 0% intro APR for 18 months; then 18.74% - 28.74% (Variable)! That’s a solid year and a half to make a significant dent in your credit card debt.

Plus, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit, or check.

Enjoy all this with no annual fee with the Citi Double Cash^® Card(Rates and fees).

Click here to apply now for the Citi Double Cash^® Card

Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2026 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!

Get your financial future back on track thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 18.74% - 27.74% Variable. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2026.

Annual Fee: $0

Click here to apply for the Discover it^® Cash Back now.

Citi^® Diamond Preferred^® Card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

With one of the longest intro APRs available, the Citi^® Diamond Preferred^® Card is a hands-down choice for a balance transfer card.

The Citi Diamond Preferred features 21 months of 0% intro APR on balance transfers. This is an incredible way to eliminate high interest payments until 2026 and pay down your balance interest free.

There is no annual fee and new cardholders can also enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 17.74% - 28.49% (Variable) for the Citi^® Diamond Preferred^® Card(Rates and fees).

Annual Fee: $0

Click here to apply now for the Citi^® Diamond Preferred^® Card

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited^® Card!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until February 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 19.99% - 28.74% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 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. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Bottom Line

The Citi Simplicity^® Card is a great choice for almost everyone. Who doesn't love 21 months with an intro 0% APR on balance transfers — all without an annual fee?

• Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.74% - 29.49% (Variable).
• No fees: The Simplicity card has no late fees, no annual fee, and no penalty rates. Perfect for someone looking to pay down debt, not add to it.
• Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Simplicity card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
• Flexible Payment Date: Choose to pay your bill on any available due date at the beginning, middle, or end of the month.
• Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning with the Citi Simplicity^® Card(Rates and fees).

» Click here to apply now and pay no interest until 2026 on balance transfers