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 choose 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 |
|---|
2025 award winner Best 0% Intro APR Credit Card /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
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
Excellent for balance transfer perks + no annual fee
4.9
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited® |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
18.99% - 28.49% Variable
|
$250
Bonus
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
|
2025 award winner Best for Balance Transfers /images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
BALANCE TRANSFER:
0%, 21 months
PURCHASES:
0%, 12 months
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
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Discover it® Cash Back |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for high-rate cash back categories
4.7
|
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Discover it® Chrome |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for cash back and paying down debt
4.2
|
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
Excellent for high flat-rate cash back rewards
5.0
|
Compare Today's Top No Interest Credit Cards
Wells Fargo Reflect® Card
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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 17.24%, 23.74%, or 28.99% 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 17.24%, 23.74%, or 28.99% Variable applies.
The best part? There's no annual fee.
Chase Freedom Unlimited®
LIMITED-TIME OFFER
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🚨 LIMITED-TIME OFFER: The Chase Freedom Unlimited®(Rates and fees) lets you earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. Don't wait to apply — this rare offer won't be around forever!
With an extended 0% intro APR period on purchases and balance transfers for the first 15 months, you can take a break from paying interest until July 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 18.99% - 28.49% Variable.
And you don’t want to overlook the amazing cashback benefits: Cardholders can 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
Citi Simplicity® Card
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Wipe out high interest rates for nearly 2 years!
The Citi Simplicity® Card features a category-leading 21 months of 0% intro APR on balance transfers (APR then 18.24% - 28.99% (Variable); balance transfers must be completed within 4 months of account opening). Our editors love this — it is the perfect way to eliminate high interest payments and say goodbye to debt ASAP!
The Simplicity card has no late fees, no annual fee, and no penalty rates; plus, new cardholders can enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable).
Annual Fee: $0
Click here to apply now for the Citi Simplicity® Card(Rates and fees)
Discover it® Cash Back
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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 cashback rewards!
Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR. 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 a 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. 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
Discover it® Chrome
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Wipe out high interest rates until nearly 2027 on balance transfers!
The Discover it® Chrome(Rates and fees) features 18 months of 0% intro APR on balance transfers; then 18.24% - 27.24% 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
Citi Double Cash® Card
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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 until 2026 thanks to a 0% intro APR for 18 months; then 18.24% - 28.24% (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
Bottom Line
The Wells Fargo Reflect® Card(Rates and fees) is a great choice for anyone looking to pay down debt. Cardholders can benefit from a long introductory APR period of 21 months from account opening on qualifying balance transfers and new purchases. Pay no interest until January 2027.
- Intro APR: Enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers then 17.24%, 23.74%, or 28.99% Variable APR thereafter.
- No annual fee: The Reflect card has a $0 annual fee, which is 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. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
2025 award winner Best 0% Intro APR Credit Card
Benefits
Card Details
- 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR
- Up to $600 Cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible)
- $0 annual fee
- The ongoing APR may still be competitive compared to other cards
- Apply Now
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
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 length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.