ADVERTISEMENT: products from our partners

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.

If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many of the cards below offer more than a year of 0% intro APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy.

Compare these deals to find the one for you.

Show summary

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
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
Discover it® Cash Back: Best for High Rewards Rate in Rotating Categories and First Year Cashback Match
Capital One Savor Cash Rewards Credit Card: Best for Delicious Foodie-Focused Rewards, for No Annual Fee
Citi Simplicity® Card: Best for Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees

Credit card	NerdWallet rating	Annual fee	Intro APR	Regular APR	Learn more
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 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 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	Apply Now on Wells Fargo's website on Wells Fargo's website Rates & Fees
Discover it® Cash Back Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees	4.9/5 Excellent for High Rewards Rate in Rotating Categories and First Year Cashback Match	$0	0% intro APR for 15 months on purchases and balance transfers	18.24%-27.24% Variable APR	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees
Capital One Savor Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website Rates & Fees	5.0/5 Excellent for Delicious Foodie-Focused Rewards, for No Annual Fee	$0	0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies	19.24%-29.24% Variable APR	Apply Now on Capital One's website on Capital One's website Rates & Fees
Citi Simplicity® Card Apply Now on Citibank's application on Citibank's application Rates & Fees	4.5/5 Excellent for Long 0% Intro APR on Balance Transfers and Purchases, Plus No Late Fees	$0	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	18.24%-28.99% Variable APR	Apply Now on Citibank's application on Citibank's application Rates & Fees

Limited Time Offer: $250 Cash Bonus