pay no interest until 2019Updated: September 28, 2017

If you’re carrying a balance on a credit card (or cards), it’s likely you’re wasting your hard-earned money on interest fees. Did you know there’s a way to avoid paying interest? 0% intro APR credit cards can save you a ton of money because they don’t charge any interest for the term of the card’s 0% intro APR period, which means they can help you pay down (or off) your balance as well as save you some dough on new purchases. Right now credit card issuers are offering surprisingly long 0% intro APR periods, and the best part is you don’t need excellent credit to get them. If you have good credit — usually thought to be a score around the 700s — you can save some serious cash with five cards that have 0% intro APRs so generous you won’t pay a dime of interest on balance transfers or purchases until 2019! There’s even a great card for those with average credit, typically considered to be a score above 670, who also want to earn cash back.

We’ve researched the top 0% intro APR credit cards on the market, and narrowed the field down to the 5 that have the longest 0% intro APRs that we’ve reviewed. These cards will give you the biggest bang for your buck, and as we mentioned above, are available to those with just good (or even average) credit.

Longest 0% Intro APRs

Citi Simplicity Card – No Late Fees Ever
pay no interest until 2019
If you want to transfer your balance to a card with a REALLY long 0% intro APR that’s available to those with good credit, the Citi Simplicity Card (a NextAdvisor advertiser) is the perfect fit. You’ll enjoy an incredible 21-month 0% intro APR on both balance transfers and purchases. That means you’ll sail interest-free straight into 2019, saving a bunch of money in the process. The Citi Simplicity Card has a 3% balance transfer fee, but when compared to the interest you’d pay on your current credit card for 21 months, this one-time fee is no big deal — and you’ll still save a ton of money. In addition to the super long 0% intro APR, the Citi Simplicity Card also has no late fees — ideal for anyone who might be a bit tardy with their payments — no annual fee and no penalty rates for late payments. Add free monthly Equifax FICO Scores to all these benefits, and the Citi Simplicity Card – No Late Fees Ever is a smart pick for anyone with less-than-perfect credit who wants to save money on interest fees.

Citi Diamond Preferred Card
pay no interest until 2019
Just like the Citi Simplicity Card, the Citi Diamond Preferred Card offers a ridiculously long 21-month 0% intro APR on balance transfers and purchases. This phenomenal 0% into APR is available to you if you have just good credit, and the card has no annual fee. Note that there is a 3% balance transfer fee (min. $10), but this is a pretty standard charge, as we noted above. Additional card perks include the ability to select your payment date, allowing you to sync it up with your paycheck, a personal concierge service, extended warranty protection and free monthly Equifax FICO Scores. The Citi Diamond Preferred Card will hit the spot if you want a card with a crazy long 0% intro APR term and a low ongoing APR.

Long 0% Intro APR and Mobile Phone Protection

Well Fargo Platinum Visa
pay no interest until 2019
If you want to protect your mobile phone, take advantage of crazy-long 0% intro APRs, and pay no annual fee, Wells Fargo Platinum Visa is the card for you. It starts off with an 18-month 0% intro APR on balance transfers and purchases. There is 3% balance transfer fee for the first 18 months, then it’s 5%, but if you’re moving your balances over from higher-interest cards it could definitely be worth it. A big card bonus is that you’ll also enjoy mobile phone protection if you pay your phone bill with this card, reimbursing you up to $600 if your phone is stolen or damaged (there is a $25 deductible and a max of 2 claims annually). This protection is perfect for anyone who has known the pain of dropping their phone or having it taken from them. Altogether, this card hits the sweet spot for those interested in protecting their mobile phone who also want to pay no interest fees until 2019.

Long 0% Intro APRs and Cash Back Rewards

Discover it — 18 month Balance Transfer Offer
pay no interest until 2019
Providing the same features and benefits usually only given to those with excellent credit, Discover it – 18 month Balance Transfer Offer is an excellent combination of a 0% intro APR, no annual fee and great cash back rewards, and it’s available to those with average to excellent credit (typically a credit score of 670+). First off, you’ll get an 18-month 0% intro APR on balance transfers (note there is a 3% transfer fee) and a 6-month 0% intro APR on purchases. . Plus, you’ll earn a very generous 5% cash back in categories that rotate each quarter, up to the quarterly maximum (currently $1,500), and an unlimited 1% back on all other purchases. You do need to sign up each quarter to receive the 5% back, but this is quick and easy to do with reminder emails from Discover. On top of that, Discover will match all of the cash back you earned at the end of your first year. So if you earned $300 cash back in your first year, Discover will match it and give you a total of $600 back! All-in-all, Discover it is the perfect combination of a 0% intro APR and lucrative cash back rewards, and you only need average or better credit to qualify.

Blue Cash Everyday Card from American Express
pay no interest until 2019
If you like generous intro bonuses, cash back, and 0% intro APRs, the Blue Cash Everyday Card from American Express is right up your alley. It starts off with no annual fee and a 15-month 0% intro APR on balance transfers and purchases (there is a 3% balance transfer fee, $5 min). On top of that, you’ll get a $150 intro bonus after spending $1,000 in the first 3 months. And you’ll get an ongoing 3% back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% back at U.S. gas stations and select U.S. department stores like JCP, Kohls and Macy’s, and 1% back on all other purchases. Other card perks include purchase protection, extended warranty, return protection, car rental insurance and travel accident insurance.

To see more cards that will help you avoid credit card interest, check our rankings of the best 0% intro APR credit cards. And if you’re planning to transfer a balance, be sure to plug in your transfer amount, monthly payment and credit level into our free Balance Transfer Calculator to see which card will allow you to save the most money.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.