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When you're paying high interest on your credit card balance, it's hard not to feel like debt follows you everywhere. Stop making high-interest credit card payments and transfer your debt to one of these fantastic cards from our partners, offering 0% intro APR periods for up to 21 months.
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|---|
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Discover it® Cash Back |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
18.49% - 27.49% Variable *Rates as of December 12, 2024
|
Cashback Match™
|
$0
|
Excellent for high-rate cash back categories
4.7
|
/images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card |
BALANCE TRANSFER:
0%, 21 months from account opening on qualifying balance transfers
PURCHASES:
0%, 21 months from account opening
|
17.49%, 23.99%, or 29.24% Variable
|
N/A
|
$0
|
Excellent for balance transfer perks + no annual fee
4.9
|
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.49% - 29.49% (Variable)
|
20,000
Miles
|
$0
|
Excellent for travel + intro balance transfer perks
4.0
|
/images/2024/12/16/chase-freedom-unlimited-12162024.png)
Chase Freedom Unlimited®
Apply Now
on Chase's secure website
|
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.74% - 28.49% Variable
|
Up to $300 Cash Back
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
/images/2024/12/16/bofa-travel.png)
Bank of America® Travel Rewards credit card |
BALANCE TRANSFER:
0%, 15 billing cycles for any balance transfers made in the first 60 days
PURCHASES:
0%, 15 billing cycles
|
18.49% - 28.49% Variable
|
25,000
Points
|
$0
|
Excellent for easy travel rewards redemption
4.1
|
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
BALANCE TRANSFER:
0%, 21 months
PURCHASES:
0%, 12 months
|
18.49% - 29.24% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
/images/2024/12/16/citi-diamond-preferred.png)
Citi® Diamond Preferred® Card |
BALANCE TRANSFER:
0%, 21 months
PURCHASES:
0%, 12 months
|
17.49% - 28.24% (Variable)
|
N/A
|
$0
|
Excellent for paying down debt
4.4
|
/images/2024/12/18/capital_one_quicksilver_card_art.jpg)
Capital One Quicksilver Cash Rewards Credit Card |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.49% - 29.49% (Variable)
|
$200
|
$0
|
Excellent for cash back + intro balance transfer perks
4.5
|
Compare Today's Top No Interest Credit Cards
Excellent for high-rate cash back categories
/images/2024/12/13/discover_it_cash_back_card_art_-_12-13-24.png)
Discover it® Cash Back
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for balance transfer perks + no annual fee
/images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card
Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
Why We Like It
Card Details
Excellent for travel + intro balance transfer perks
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Excellent for cash back on traveling and dining
/images/2024/12/16/chase-freedom-unlimited-12162024.png)
Chase Freedom Unlimited®
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for easy travel rewards redemption
/images/2024/12/16/bofa-travel.png)
Bank of America® Travel Rewards credit card
Balance Transfers: 0%, 15 billing cycles for any balance transfers made in the first 60 days
Why We Like It
Card Details
Excellent for helping pay down debt
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card
Balance Transfers: 0%, 21 months
Why We Like It
Card Details
Excellent for paying down debt
/images/2024/12/16/citi-diamond-preferred.png)
Citi® Diamond Preferred® Card
Balance Transfers: 0%, 21 months
Why We Like It
Card Details
Excellent for cash back + intro balance transfer perks
/images/2024/12/18/capital_one_quicksilver_card_art.jpg)
Capital One Quicksilver Cash Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Bottom Line
The Discover it® Cash Back(Rates and fees) is a great choice for a cash back credit card. Cardholders can benefit from a generous welcome offer, earn up to 5% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all without an annual fee.
- Cash Back Rewards: 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.
- Amazing Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.
No Caps on Bonus Rewards: There is no minimum spending threshold and no maximum to the amount of cash back rewards you can earn with the first-year bonus.
- Low Intro APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After the intro period, the APR is 18.49% - 27.49% Variable *Rates as of December 12, 2024.
- $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.
Benefits
Card Details
- $0 annual fee
- Intro APR on purchases and balance transfers
- Dark web monitoring and other privacy protection services
- Apply Now
- 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.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- 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.
- Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
- Terms and conditions apply.
/images/2024/12/13/discover_it_cash_back_card_art_-_12-13-24.png)
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Annual Fee
$0
Why we like it
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, travel benefits, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.