ADVERTISEMENT: PRODUCTS FROM OUR PARTNERS
Wipe out interest payments for up to 21 months
Take charge of your financial future with a credit card that delivers zero interest for up to 21 months and huge savings on interest charges... See more
Take charge of your financial future with a credit card that delivers zero interest for up to 21 months and huge savings on interest charges. Check out these handpicked card offers from our trusted partners below.
See less0% intro APR card vs average APR card
YOU SAVE:
$998
21% APR total paid $7,824
0% APR total paid $6,826
12 months
21 months
To pay off the average 2023 credit card balance ($6,501) within 21 months, Bankrate estimates a minimum monthly payment of approx. $325 for a credit card providing a 21 month 0% intro APR period (with a 5% balance transfer fee) and $373 for a credit card with an average 21% APR. You can save the most on interest by paying down the balance within the intro APR period.
21% APR
$8,072
total paid
0% intro APR
$6,826
total paid
| Best for | Ongoing APR | ||
|---|---|---|---|
No-frills balance transfers | 21 months 0% intro APR for 21 months from account opening on qualifying balance transfers | Regular APR: 17.74%, 24.24%, or 28.49% Variable APR | |
Dining | 15 months 0% Intro APR on Balance Transfers for 15 months | Regular APR: 18.49% - 27.99% Variable | |
Apply with confidence Hover to learn more on American Express's secure site See Rates & Fees, Terms Apply | Everyday spending | 15 months 0% on balance transfers for 15 months | Regular APR: 19.74%-28.74% Variable |
Excellent credit | 21 months 0% for 21 months on Balance Transfers | Regular APR: 16.74% - 27.49% (Variable) |
Best for no-frills balance transfers
Balance transfer intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR: 17.74%, 24.24%, or 28.49% Variable APR
rewards rate
N/A
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
What you should know
Card Details
Best for no-frills balance transfers
on Wells Fargo's secure site
See Rates & FeesBalance transfer intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Rewards rate
N/A
Annual fee
$0
Why you'll like this: It pairs one of the longest intro APR offers on the market with a lower-than-average ongoing interest rate.
What you should know
Card Details
Best for dining
Balance transfer intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR: 18.49% - 27.99% Variable
rewards rate
1.5% - 5%
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
Reward Details
What you should know
Card Details
on Chase's secure site
See Rates & FeesBalance transfer intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
18.49% - 27.99% Variable
Rewards rate
1.5% - 5%
Annual fee
$0
Why you'll like this: Its exceptionally comprehensive reward categories can be a great tool for everyday spending alongside its intro APR offer.
Reward Details
What you should know
Card Details
Best for everyday spending
Apply with confidence
Balance transfer intro APR
0% on balance transfers for 15 months
APR: 19.74%-28.74% Variable
rewards rate
1% - 3%
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
Reward Details
What you should know
Card Details
Apply with confidence
By applying, you can see if you're approved before impacting your credit
Best for everyday spending
on American Express's secure site
See Rates & Fees, Terms ApplyBalance transfer intro APR
0% on balance transfers for 15 months
APR
19.74%-28.74% Variable
Rewards rate
1% - 3%
Annual fee
$0
Why you'll like this: It gives you a chance to pay off debt while making the most of your everyday purchases.
Reward Details
What you should know
Card Details
Best for excellent credit
Balance transfer intro APR
0% for 21 months on Balance Transfers
Regular APR: 16.74% - 27.49% (Variable)
rewards rate
N/A
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
What you should know
Card Details
Best for excellent credit
Balance transfer intro APR
0% for 21 months on Balance Transfers
Regular APR
16.74% - 27.49% (Variable)
Rewards rate
N/A
Annual fee
$0
Why you'll like this: Its balance transfer intro APR is one of the longest if you want a streamlined card with features that benefit from an excellent credit score.
What you should know
Card Details
Best for groceries
Apply with confidence
Balance transfer intro APR
0% on balance transfers for 12 months
APR: 19.74%-28.74% Variable
rewards rate
1% - 6%
annual fee
$0 intro annual fee for the first year, then $95.
Recommended credit score
670 - 850
Good - Excellent
Reward Details
What you should know
Card Details
Apply with confidence
By applying, you can see if you're approved before impacting your credit
Best for groceries
on American Express's secure site
See Rates & Fees, Terms ApplyBalance transfer intro APR
0% on balance transfers for 12 months
APR
19.74%-28.74% Variable
Rewards rate
1% - 6%
Annual fee
$0 intro annual fee for the first year, then $95.
Why you'll like this: You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR.
Reward Details
What you should know
Card Details
Best for welcome offer
Balance transfer intro APR
0% intro APR for 18 months
Regular APR: 17.74% - 26.74% Variable APR
rewards rate
1% - 2%
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
Reward Details
What you should know
Card Details
on Discover's secure site
See Rates & FeesBalance transfer intro APR
0% intro APR for 18 months
Regular APR
17.74% - 26.74% Variable APR
Rewards rate
1% - 2%
Annual fee
$0
Why you'll like this: It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR.
Reward Details
What you should know
Card Details
Best for existing U.S. Bank account holders
Purchase intro APR
0% intro on purchases for 12 billing cycles
Regular APR: 17.99% - 28.24% Variable
rewards rate
2%
annual fee
$0
Recommended credit score
670 - 850
Good - Excellent
Reward Details
What you should know
Card Details
Best for existing U.S. Bank account holders
on U.S. Bank's secure site
See Rates & FeesPurchase intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 28.24% Variable
Intro offer
N/A
Rewards rate
2%
Why you'll like this: If you’re a U.S. Bank loyalist with significant savings, this card can offer outstanding cash back rewards on all purchases.
Reward Details
What you should know
Card Details
Remove a card to add another to compare
Remove a card to add another to compare










