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Start Saving Money ASAP With These Low Interest Cards: Up To 21 Months of 0% Intro APR

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.

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NerdWallet's Start Saving Money ASAP With These Low Interest Cards: Up To 21 Months of 0% Intro APR

Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
BankAmericard® credit card: Best for Efficient Tool to Whittle Down Debt
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

Start Saving Money ASAP With These Low Interest Cards: Up To 21 Months of 0% Intro APR From Our Partners

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	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	19.74%-28.49% Variable APR	Apply Now on Chase's website on Chase's website
BankAmericard® credit card Apply Now on Bank of America's website on Bank of America's website	4.6/5 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	15.49%-25.49% Variable APR	Apply Now on Bank of America's website on Bank of America's website
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	18.49%-27.49% Variable APR *Rates as of December 12, 2024.	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees