Pay 0 Interest Until Nearly 2025 | CompareCards.com

Pay 0 Interest Until Nearly 2025

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Do you have high-interest credit card debt you're struggling to pay off? 

You're not alone — nearly half of Americans carry a balance on their credit cards from month to month. If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer or low interest cards with 0% intro APR and start saving money.  

Our credit card experts hand selected the cards below because of their long 0% intro APR interest offers. These offers range from 12 months all the way up to 21 months 0% Intro APR, which means on certain cards you could pay 0 interest until nearly 2025.

Compare these cards and discover which one is best for you.  

Discover it® Cash Back

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Discover it<sup>®</sup> Cash Back
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on Discover's secure site

Rates & Fees
 

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This cash rewards card comes with a unique welcome offer unlike anything you’ve seen: 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. The Discover it® Cash Back card earns 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 the incredible rewards program, this card comes with 0% Intro APR for 15 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment.

Bank of America® Travel Rewards credit card

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Bank of America<sup>®</sup> Travel Rewards credit card
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on Bank of America's secure site

 

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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 18.24% - 28.24% 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. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. 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.

Bank of America® Customized Cash Rewards credit card

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Bank of America<sup>®</sup> Customized Cash Rewards credit card
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on Bank of America's secure site

 

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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 18.24% - 28.24% 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 18.24% - 28.24% Variable APR on balance transfers after that intro period is up. Balance transfers may not be used to pay any account provided by Bank of America. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees.

Capital One Quicksilver Cash Rewards Credit Card

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Capital One Quicksilver Cash Rewards Credit Card
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on Capital One's secure site

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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 19.24% - 29.24% (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. 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 19.24% - 29.24% (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.

Wells Fargo Autograph® Card

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Wells Fargo Autograph<sup>®</sup> Card
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on Wells Fargo's secure site

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The Wells Fargo Autograph® Card is something we don’t often see – a fresh entry in the rewards space that offers both top-tier points multipliers on key categories and solid intro APR on purchases. Let’s start with those rewards. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. That makes this card an ideal choice for maximizing your rewards whether you’re adventuring abroad or bingeing your new favorite show at home. And that’s not all—if you’re a new cardholder, you can take advantage of a Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value..

This card also offers purchase peace of mind with 0% intro APR for 12 months from account opening on purchases, with 19.24%, 24.24%, or 29.24% Variable APR after that. So long as you’re making your payments on time, you’ll get 0% APR on credit card balances held over from month-to-month, which can help you make sure you’re prepared for whatever life throws at you. One more important thing to note is that this card has a $0 annual fee, which makes the Wells Fargo Autograph® Card even more attractive for those looking for a low-interest card with some rewards punch.

Start Your Journey to Become Debt Free Now

If you are looking for a longer 0% intro APR offer, you may want to learn more about the , which offers . After that, the APR will be , based on your creditworthiness.

Looking for cash back and a balance transfer? The Citi Double Cash® Card is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here

How To Apply

It's a quick and easy application process. Click Apply Now to fill out the application on the issuer’s secure site. You may be able to find out within minutes if your application is approved. Get started now!

*According to data from the Federal Reserve, 57% of U.S. households carried a balance in one or more active credit card accounts.

Methodology

Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.


Methodology
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply


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