7 Cards Charging 0% Interest Until Nearly 2024

7 Cards Charging 0% Interest Until Nearly 2024

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*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.

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

You’re not alone. In Q2 of 2020, 57% of U.S. households carried a balance on their active credit card accounts.* 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 2024.

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

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

          Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 768 Offer Ratings
Over the Past 60 Days!

(768) Over the Past 60 Days!

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 15.24% – 25.24% (Variable) 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.

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. Plus, new cardholders can enjoy 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.

Citi Simplicity® Card on Citibank’s secure site

          Rated 4.5/5 stars by our editorial team

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4.0/5.0 from 150 Offer Ratings
Over the Past 60 Days!

(150) Over the Past 60 Days!

Reshape your financial picture with this industry-leading low-interest card from Citi – the Citi Simplicity® Card. For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with an intro APR of 0% for 21 months on Balance Transfers; after that, an APR of 14.99% – 24.99% (Variable) applies. Your payments will 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 12 months on Purchases, then 14.99% – 24.99% (Variable) APR after that. Citi keeps it simple: it’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.

BankAmericard® credit card on Bank of America’s secure site

          Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 241 Offer Ratings
Over the Past 60 Days!

(241) Over the Past 60 Days!

If you’re looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 13.24% – 23.24% Variable APR after that intro period is up – that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 13.24% – 23.24% Variable APR on balance transfers after that. And if you’re a new cardholder, you can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

It’s hard to overstate just how powerful the combination of these two benefits is – the lengthy periods of 0% interest on both purchases and balance transfers mean that this card helps you regain control over your financial life and puts time on your side to pay down debt faster. And unlike some other cards, there is no penalty APR, so a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you’re looking to save money on interest charges the BankAmericard® credit card is hard to beat.

Citi® Diamond Preferred® Card on Citibank’s secure site

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4.3/5.0 from 414 Offer Ratings
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(414) Over the Past 60 Days!

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 card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers – get an APR of 0% for 21 months on Balance Transfers, followed by 13.99% – 23.99% (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% for 12 months on Purchases with 13.99% – 23.99% (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 no annual fee.

Citi Custom Cash℠ Card on Citibank’s secure site

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4.2/5.0 from 232 Offer Ratings
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(232) Over the Past 60 Days!

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. 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 in cash back after you spend $750 on purchases in the first 3 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 14.24% – 24.24% (Variable) APR based on creditworthiness. It’s the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 14.24% – 24.24% (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.

Wells Fargo Active Cash℠ Card on Wells Fargo’s secure site

          Rated 4/5 stars by our editorial team

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4.0/5.0 from 515 Offer Ratings
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(515) Over the Past 60 Days!

It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash℠ Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account open.

But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash℠ Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 15.24%-25.24% Variable APR APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 15.24%-25.24% Variable APR APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.

Bank of America® Customized Cash Rewards credit card on Bank of America’s secure site

          Rated 5/5 stars by our editorial team

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4.6/5.0 from 236 Offer Ratings
Over the Past 60 Days!

(236) Over the Past 60 Days!

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, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% 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 t

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7 Cards Charging 0% Interest Until Nearly 2024

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