Pay 0 Interest Until 2025

The high-paying Bank of America^® Travel Rewards credit card is one of the best flexible travel rewards cards available if you don’t want to pay an annual fee. And the long period of 0% intro APR just sweetens the deal — cardholders get 0% Intro APR for 15 billing cycles for purchases and then 18.49% - 28.49% Variable APR after the intro. This credit card also offers 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. On top of the generous sign-up bonus, you will earn 1.5 points per $1 spent on all purchases. The rewards rate makes it easy to rack up travel rewards without having to game or figure out a complicated rewards structure. Just swipe and rake in rewards on every single purchase.

And when it comes time to redeem your rewards, this hassle-free card makes things easy. You can redeem points for a statement credit to pay for flights on any airline, any hotel, vacation package, rental car, baggage fees and more. No blackout dates. And the best part? You get all of this for a $0 annual fee.

The Citi Double Cash^® Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments: earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. to earn cash back, pay at least the minimum due on time. 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.

With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn.

Cardmembers will also enjoy an intro APR of 0% intro APR for 18 months on Balance Transfers, then 18.49% - 28.49% (Variable) APR after that - this is about as good as it gets for paying no interest on balance transfers on a card with no annual fee!

If you’re looking to take control of how you earn credit card rewards, the Bank of America^® Customized Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.

But this card isn’t just a winner when it comes to rewards. The Bank of America^® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases on purchases and then 18.49% - 28.49% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 18.49% - 28.49% Variable APR on balance transfers after that intro period is up. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees. 

Discover it^® Cash Back sports a lengthy intro period of 0% Intro APR for 15 months on purchases then 18.49% - 27.49% Variable APR *Rates as of December 12, 2024 after that. But when it comes to cash-back, the Discover it^® Cash Back card is truly in a league of its own. Cardholders will enjoy 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.

On top of that, you can take advantage of 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. And the $0 annual fee is just icing on the cake.

For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi^® Diamond Preferred^® Card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an intro APR of 0% intro APR for 21 months on Balance Transfers, followed by 17.49% - 28.24% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% intro APR for 12 months on Purchases with 17.49% - 28.24% (Variable) APR after that, along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi^® Diamond Preferred^® Card also offers a multitude of cardholder perks.

Cardholders will also have free access to their FICO® Scores. Overall, the Citi^® Diamond Preferred^® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and has a $0 annual fee.

The Capital One Quicksilver Cash Rewards Credit Card is a card that truly offers the best of both worlds, with a long period of 0% intro APR on purchases and solid cash back rewards. Take advantage of 0% intro on purchases for 15 months and then 19.49% - 29.49% (Variable) APR after that intro period is over. That gives you over a year to to pay down your balance with no interest charges weighing you down - perfect when you have a large expense coming up. And it's the same for balance transfers: an APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies) followed by an ongoing APR of 19.49% - 29.49% (Variable).

But the real standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash back on everything you buy, everywhere - an impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, new cardholders can enjoy a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Even better, the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee, so you can put all the cash back you earn to work for you instead of paying down fees.

The Chase Freedom Unlimited^® card comes with generous on-going cash-back rewards. With this card, 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 Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. And this card comes with an amazing offer for new cardholders. There's also an incredible Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. Who doesn't love earning extra cash back? 

In addition to the generous rewards program, cardholders will enjoy 0% Intro APR on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 19.74% - 28.49% Variable APR. And even better, if you’re looking to transfer a balance from a high-interest credit card, the Chase Freedom Unlimited^® card offers 0% Intro APR on Balance Transfers for 15 months, with 19.74% - 28.49% Variable APR once that intro period is up. Overall, the Chase Freedom Unlimited^® card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.

If you buy gas and groceries, maximize your rewards with the Citi Rewards+^® Card. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. But that's not all - this card also comes with generous intro APR on purchases and balance transfers. If you have a big purchase, take advantage of the long 0% intro APR period, and pay down your balance with no interest charges piling up. Get a better interest rate when you transfer your balance to this card with 0% intro APR for 15 months on Balance Transfers, then 17.99% - 27.99% (Variable) APR after that. Every penny of your payment will go toward paying down your principal during the intro period, which can help you pay off your balance faster.

The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relatively low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. The combination of long 0% intro APR, sign-up bonus and healthy rewards rate on gas stations and supermarkets make this a good choice if you buy gas and groceries and don’t want to pay an annual fee.

The Citi Custom Cash^® Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Custom Cash^® Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on Purchases, then 18.49% - 28.49% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.

Every so often a card comes along that really excites us: that’s most certainly the case with Wells Fargo’s debt-busting powerhouse, the Wells Fargo Reflect^® Card. Why is this card such a hit? It’s because it’s laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.

If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect^® Card has you covered with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by an ongoing 17.49%, 23.99%, or 29.24% Variable APR after that.

This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.

We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America^® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn 1.5% cash back on all purchases. There's no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards as long as your account remains open. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This combination of rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!

The Bank of America^® Unlimited Cash Rewards credit card is also an exceptional choice for those looking to limit interest payments, with a lengthy period of 0% intro APR on purchases and balance transfers. Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 18.49% - 28.49% Variable APR after that. It’s a little different on the balance transfer side: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 18.49% - 28.49% Variable APR on balance transfers applies. When making a balance transfer, you’ll end up paying a fairly standard balance transfer fee: 3% for 60 days from account opening, then 4%. To sum it up, this card is an excellent $0-annual-fee choice for anyone looking for unlimited cash back.