Pay 0% Interest Until 2028

Intro APR

Intro APR of 0% for 21 months on Balance Transfers and 0% for 12 months on Purchases, 16.49% - 27.24% (Variable) APR thereafter.

With one of the longest intro APRs available, the Citi^® Diamond Preferred^® Card is a top choice for anyone looking to save money with a balance transfer. This market-leading offer, from our partner Citibank, comes with 0% for 12 months on Purchases and a dazzling 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) APR thereafter. That's almost two years to pay down your balance totally interest free. Did we mention there's no annual fee?

Put your Excellent, Good credit to work and enjoy the breathing room offered by this lengthy intro APR. If you currently have a large balance on a credit card that is charging steep interest rates, the Citi^® Diamond Preferred^® Card could be the perfect card to help you finally escape those huge interest charges. Apply today and enjoy a lengthy intro APR of 0% for 21 months on Balance Transfers!

Intro APR

0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable). Balance transfer fee applies.

If you’re after a travel rewards card with no annual fee, flexible redemption options, and solid everyday earning potential, the Capital One VentureOne Rewards Credit Card checks all the boxes. You'll earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening. Cardholders enjoy a rewards rate of 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

This card shines in its redemption flexibility, allowing you to simply redeem Miles as a statement credit towards travel purchases – any airline, any hotel, and even purchases like rental cars or vacation packages are typically included.

In addition to its standout perks, this card gives cardholders a reprieve from high fees with an APR of 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies.

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, 17.49%, 23.99%, or 28.24% Variable APR thereafter.

This showstopping offer from Wells Fargo is at the top of the pack when it comes to low interest rates on purchases and qualifying balance transfers. New cardholders receive a whopping 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. That's right – the Wells Fargo Reflect^® Card offers nearly two years of interest-free payments on purchases and qualifying balance transfers! The ongoing rate is 17.49%, 23.99%, or 28.24% Variable APR.

That ultra-long intro period could be a lifesaver if you're paying a high interest rate on your current credit card. Even with such a generous low interest offer, the Wells Fargo Reflect^® Card has no annual fee, and cardholders will enjoy the added perk of up to $600 of cell phone protection against damage or theft - subject to a $25 deductible.

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable APR.

Simplify your financial life with the Chase Freedom Unlimited^® credit card and earn a stellar cash back rate: Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Plus, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

True to its name, the Chase Freedom Unlimited^® card also offers cardholders freedom from high interest rates with an attractive offer of 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, 18.24% - 27.74% Variable thereafter. There is also no annual fee for this card.

Intro APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR on purchases and balance transfers will apply. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.

The Bank of America^® Travel Rewards credit card offers a generous rewards rate and 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. The ongoing APR is 17.49% - 27.49% Variable APR on purchases and balance transfers, and a fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.

With this card, you earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel. That's an unusually high rewards rate for a travel card with no annual fee. New cardholders can also earn a top-tier welcome offer of 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Unlike other travel credit cards where you're stuck redeeming points with one airline or hotel, the Bank of America^® Travel Rewards credit card allows you to redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, and more! In addition to charging no annual fee, there are no foreign transaction fees.

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable APR.

If you’re looking to press pause on interest while you pay down existing debt, the Chase Freedom Flex^® card is a standout among no-annual-fee cards. New cardholders get a 0% Intro APR on Balance Transfers for 15 months and 0% Intro APR on Purchases for 15 months (18.24% - 27.74% Variable APR thereafter). That gives you a meaningful window to make progress on your balance without watching interest pile up.

You won’t sacrifice everyday value, either. Chase Freedom Flex^® also delivers strong rewards for a $0 annual fee: earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel^℠, 3% on dining and drugstores, and 1% on all other purchases. Pair the long intro APR with those ongoing earnings and you’ve got a flexible tool to both reduce interest and rack up cash back along the way.

Intro APR

Intro APR of 0% for 15 months on Purchases and Balance Transfers, 18.49% - 28.49% (Variable) thereafter.

The Citi Strata^℠ Card, from our partner Citibank, offers new cardholders 20,000 bonus Points after spending $1,000 in the first 3 months of account opening—a $200 value that’s extremely rare for a $0 annual fee card. It also turns daily spending into serious rewards with elevated earn rates: earn 5x Points on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; 3x Points at Supermarkets; 3x Points on Select Transit purchases and Gas & EV Charging Stations; 3x Points in an eligible Self-Select Category of your choice; 2x Points at Restaurants; and 1x Point on all other purchases.

Plus, enjoy breathing room on interest with an intro APR of 0% for 15 months on Purchases and balance transfers, 18.49% - 28.49% (Variable) thereafter. With the Citi Strata^℠ Card, you can enjoy all of these perks with no annual fee, making it a top credit card pick.

Intro APR

0% intro APR for 12 months from account opening on purchases & qualifying balance transfers, 18.49%, 24.49%, or 28.49% Variable APR thereafter

The Wells Fargo Active Cash^® Card is a revolutionary credit card that offers consumers everything they could want in a cash rewards card. Enjoy one of the highest flat-rate cash back offers we've seen. Earn unlimited 2% cash rewards on purchases – there are no caps, no restrictions, and no rotating categories to keep track of!

Cardholders will also enjoy 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. That means you'll have a year to take a break from high interest rates. After the intro period is up, the ongoing APR is 18.49%, 24.49%, or 28.49% Variable APR.

Even with that lucrative rewards rate on spending and lengthy intro APR offer, this card offers a stellar sign up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Intro Balance Transfer APR

0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter.

When it comes to cash back cards, the Citi Double Cash^® Card from our partner Citibank is truly one of a kind – it's the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

With no rotating categories and no special bonuses on certain spending, you simply earn the same flat rate of 2% no matter what you are purchasing. The Citi Double Cash^® Card also offers a sign up bonus of $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This card even comes with no annual fee, and a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter.

Intro APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.

Have you ever wanted to stop searching through credit card offers and just create one that custom fits your finances? Look no further. The Bank of America^® Customized Cash Rewards credit card lets you earn bonus cash in spending categories that you choose. You’ll earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

You can select your 6% cash back for the first year in the category of your choice, then 3% cash back from gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings. On top of turbocharging your cash back in the category that you choose, you’ll also earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. All of this is yours without ever paying an annual fee.

This card also offers an impressive intro APR period. Enjoy 0% Intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days. After that, the ongoing APR is 17.49% - 27.49% Variable APR on purchases and balance transfers. A balance transfer fee of 3% for 60 days from account opening, then 5% applies.

Intro APR

0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.

Maximize cash back rewards with the TD Cash Credit Card! This no annual fee card offers customizable rewards in high-earning categories. Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases. Categories include dining, entertainment, gas, groceries, and travel, but will default to 3% back on dining and 2% at grocery stores. Additionally, enjoy $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

The TD Cash Credit Card also offers a 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.

Intro APR

0% on purchases for 15 months and 0% on balance transfers for 15 months, then 19.49%-28.49% Variable APR thereafter.

The Blue Cash Everyday^® Card from American Express offers a healthy intro APR of 0% on balance transfers for 15 months and 0% on purchases for 15 months, with a 19.49%-28.49% Variable APR thereafter. The Blue Cash Everyday^® Card from American Express, our partner, offers 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

New cardholders: Apply and find out your welcome offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout. It's easy to see how the Blue Cash Everyday^® Card from American Express is a great card for people looking for a $0 annual fee "gas and grocery" card that also saves you money on interest.