pay no interest until 2019Updated: Feb. 15, 2018

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 seven 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 seven that have some of 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.

Long 0% Intro APRs and Cash Back Rewards

Discover it – Cashback Match

Providing the same features and benefits usually only given to those with excellent credit, the Discover it – Cashback Match card 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 14-month 0% intro APR on balance transfers and purchases (note there is a 3% transfer fee). Plus, you’ll earn a very generous 5% cash back in categories that rotate each quarter (up to the quarterly maximum, currently $1,500, then it’s 1% back) and an unlimited 1% back on all other purchases. From January through March, you’ll earn 5% back at gas stations and wholesale clubs! 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! Discover it – Cashback Match cardholders will also pay no foreign transaction fees and get a number of added perks, as noted above. 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

If you like generous intro bonuses, cash back and 0% intro APRs, the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) 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), then a variable rate, currently 14.24% to 25.24%. 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.

Wells Fargo Cash Wise Visa Card

Those who want a long 0% intro APR and some solid cash back rewards on all purchases will be happy with the Wells Fargo Cash Wise Visa Card. That’s because it offers a 12-month 0% intro APR on purchases and balance transfers and earns an easy unlimited 1.5% cash back on all purchases! There is an intro balance transfer fee of 3% for 12 months (after that, it’s 5%), but this one-time fees is likely a lot cheaper than the ongoing interest you’re paying on your current credit card. Also, the Wells Fargo Cash Wise Visa Card’s rewards make the card worth keeping in your wallet long after the 0% intro APR period runs out. What’s more, when you spend $1,000 on purchases in the first 3 months, you’ll get a $200 cash rewards bonus, and if you use a mobile wallet, like Apple Pay or Android Pay, you’ll be able to earn 1.8% cash back on mobile wallet purchases for the first 12 months. On top of paying no annual fee, the Wells Fargo Cash Wise Visa Card also offers free mobile protection of up to $600 against covered damage or theft when you pay your monthly cell phone bill with the card. There is a $25 deductible for this protection, but it’s likely this one-time fee is less expensive than any coverage you’d receive from your cell phone provider.

Long 0% Intro APR and No Balance Transfer Fee

The Amex EveryDay Credit Card from American Express

If you want a balance transfer card that you’ll want to continue to use long after the 0% intro APR expires, The Amex EveryDay Credit Card from American Express is the best option for you. That’s because this card not only offers a 15-month 0% intro APR on balance transfers requested in the first 60 days, but it also has $0 balance transfer fee for transfers made in the same 60-day period — this can save you a ton of money! The card also has a 15-month 0% intro APR on purchases and no annual fee. On top of that, The Amex EveryDay Credit Card from American Express offers a generous intro bonus and ongoing rewards, which is why you’ll want it in your wallet for a long time. When you spend $1,000 on purchases in the first 3 months, you’ll earn 10,000 Membership Rewards points — that’s equal to $100 in travel through American Express Travel! The card’s ongoing rewards also aren’t too shabby, as you’ll earn 2 points per $1 spent at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1 point per $1) and 1 point per $1 spent on all other purchases. Plus, when you use your card to make 20 or more purchases in a billing cycle, you’ll earn 20% more points on those purchases! As if that isn’t enough, the Amex EveryDay Credit Card from American Express offers a number of American Express cardholder benefits, including travel accident insurance, roadside assistance, car rental loss and damage insurance and more.

Chase Slate

Chase Slate is the perfect card for anyone looking to not only get a long 0% intro APR on both purchases and balance transfers, but also avoid a balance transfer fee. You’ll get a 15-month 0% intro APR on balance transfers and purchases and get a sweet $0 intro balance transfer fee for transfers made in the first 60 days of account opening (after that, it’s 5% or $5, whichever is greater). This combination of a long 0% intro APR and no balance transfer fee can really save you some dough while you pay off or down your transferred balance. On top of that, Chase Slate has no annual fee and no penalty APR, which means paying late won’t increase your APR. It also provides cardholders with free monthly access to their Experian FICO score.

BankAmericard Credit Card

This card is another great fit for anyone who doesn’t want to pay to transfer their credit card balance. That’s because in addition to having no annual fee, the BankAmericard Credit Card charges absolutely no balance transfer fees as long as you make your transfers in the first 60 days you have the card (after that, it’s a 3% balance transfer fee, $10 min). You’ll also enjoy a lengthy 0% intro APR for 15 billing cycles on both purchases and on balance transfers (balance transfers must be made in the first 60 days). Other perks of the card include no penalty APR and monthly access to your FICO score for free.

Long 0% Intro APR and Mobile Phone Protection

Wells Fargo Platinum Visa Card

If you want to protect your mobile phone, take advantage of long 0% intro APRs, and pay no annual fee, the Wells Fargo Platinum Visa Card is for you. It starts off with an 15-month 0% intro APR on balance transfers and purchases. There is 3% intro balance transfer fee for the first 15 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.

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.