6 Top 0% Intro APR Credit Cards - Avoid Credit Card Interest Until 2021

Managing Director of The Ascent. Brendan has conducted interviews with influential businesspeople, written hundreds of personal finance articles, and provided analysis on TV outlets including CNBC and Fox.

We've vetted hundreds of card offers and crunched the data on more than 6,000 data points to compile this shortlist of 0% interest credit cards. Check out our picks, some of which are from our partners.

With the top 0% intro APR credit cards you get:

  • Instant and secure online applications
  • 0% offers on purchases and balance transfers ranging from 14-18 months. That'll help you avoid interest in some cases until 2021!
  • These picks are perfect if you want to pay off debt faster or you're defraying the cost of a large purchase
  • $0 annual fees
Apply Now
Secure lock icon.

On Discover's Secure Website.

What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
  • Annual Fee: $0
  • Regular APR: 13.49% - 24.49% Variable
  • Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees

Apply for Discover it® Cash Back if you…

  • … Want to pay $0 for interest on purchases and balance transfers for 14 months
  • … Want to double all the cash back you earn in the first year
  • … Don't want to pay an annual fee

Imagine paying no interest until nearly 2021 and getting all your cash back matched after the first year! Both are possible with Discover it® Cash Back. First, you can earn 5% cash back (on up to $1,500 of spend each quarter) in rotating categories you activate quarterly. Such purchases have included gas, groceries, restaurants, and even Amazon. Best yet, Discover will match all cash back earned in the first year! What's more, the 0% intro APR for 14 months applies to both purchases and balance transfers. Note, the go-to variable rate applies after the promo so be sure to pay off balances before the offer expires. The cash rewards program and 0% APR offer, alone, are best-in-class but you get both in one card.


Apply Now
Secure lock icon.

On Discover's Secure Website.

What we Like:
  • Balance transfer offer
  • Rotating bonus cash back
  • No annual fee
  • FICO® Score for free
  • Annual Fee: $0
  • Regular APR: 13.49% - 24.49% Variable
  • Intro APR: Purchases: 0%, 6 months Balance Transfers: 0%, 18 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees

Apply for Discover it® Balance Transfer if you...

  • ... Are looking to pay off debt faster
  • … Want to double all the cash back you earn in the first year
  • … Don't want to pay an annual fee

This is the ONLY 5-star rated credit card currently on The Ascent website. That's because it packs in both a best-in-class cash back program and a long 0% intro APR offer for 18 months for balance transfers (note, the go-to variable rate applies after the promo). You can earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate, plus 1% on all else. Discover will also match your cash back in the first year!. Just be sure to take action and don't delay any longer as you watch interest charges pile up on your existing credit card balances.


Apply Now
Secure lock icon.

On Chase's Secure Website.

What we Like:
  • Innovative sign up bonus
  • Unlimited 1.5% cash back
  • 0% intro APR offer for 15 months
  • Annual Fee: $0
  • Regular APR: 16.74% - 25.49% Variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
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Apply for Chase Freedom Unlimited® to:

  • Avoid paying credit card interest for 15 months on both purchase and balance transfers
  • Secure a sign-up bonus worth $150
  • Pay a $0 annual fee

Chase Freedom Unlimited® is the Swiss Army knife of credit cards with its deep bench of perks that makes the card a perfect option for cardholders wanting the best card for all their needs. Max out Chase's sign-up bonus by spending $500 in the first three months after account opening to secure $150 in cash back. Other essentials are included as well, such as unlimited 1.5% cash back with no minimum redemption, a 0% intro APR for both purchases and balance transfers for 15 months, and a $0 annual fee. Few offers on the market can tout this combination of perks, making Chase Freedom Unlimited® a potential no brainer pick for you.


Apply Now
Secure lock icon.

On Capital One's Secure Website.

What we Like:
  • $150 sign-up bonus
  • Unlimited 1.5% cash back
  • No foreign transaction fees
  • 0% intro APR
  • Annual Fee: $0
  • Regular APR: 15.74% - 25.74% Variable
  • Intro APR: Purchases: 0%, for 15 months Balance Transfers: 0%, for 15 months
Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Apply for Capital One® Quicksilver® Cash Rewards Credit Card if you...

  • ... Want a long 0% intro APR for both purchases and balance transfers
  • … Are looking for a big cash bonus that's simple to qualify for, plus unlimited cash back
  • … Don't want to pay either an annual fee or foreign transaction fees

This card's deep bench of perks makes it an easy pick for a one-card wallet, even better that they're all included in a $0 annual fee card. Let's briefly cover the flagship features. Importantly, you'll get a 0% intro APR for 15 months on both purchases and balance transfers. This alone would make it a competitive 0% APR card, but what tips the scales is that it also includes a big $150 bonus when spending just $500 within three months, plus unlimited 1.5% cash back with no minimum redemptions. To top it off, travelers can look forward to no foreign transaction fees when swiping abroad.


Apply Now
Secure lock icon.

On Bank of America's Secure Website.

What we Like:
  • Long 0% intro APR offer
  • No annual fee
  • FICO® Score for free
  • Annual Fee: $0
  • Regular APR: 14.74% - 24.74% Variable
  • Intro APR: Purchases: 0%, 18 billing cycles Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
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Apply for BankAmericard® credit card if you...

  • ... Are looking for a long 0% intro APR offer for balance transfers and purchases
  • … Don't want to pay an annual fee
  • … Can benefit from the cards no penalty APR

BankAmericard® credit card is laser-focused on cutting interest charges with its long 0% intro APR offer for 18 billing cycles on both purchases and balance transfers made within 60 days. This makes it a versatile card, whether you're looking to make purchases interest free or paying off debt faster using balance transfer strategies. Where this card separates itself from the zero interest pack is that it offers the flexibility of a no penalty APR. Other cards will skyrocket your interest rate when missing a payment but you can stay the course here, even with a slight payment mishap. While this is a feature we don't recommend taking advantage of, it is a nice safety blanket when you're in a bind. Add in the $0 annual fee, and you can see why BankAmericard® credit card made this list.