pay no interest until 2019Updated: January 18, 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 four 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 six 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 APR on Balance Transfers

Citi Diamond Preferred Card – 21 Month Balance Transfer Offer
pay no interest until 2019If you want to transfer your balance to a card with a REALLY long 0% intro APR on balance transfers, the Citi Diamond Preferred Card (a NextAdvisor advertiser) is the perfect fit. You’ll enjoy an incredible 21-month 0% intro APR balance transfers made in the first 4 months of card membership. That means you’ll sail interest-free straight through most of 2019, saving a bunch of money in the process. The Citi Diamond Preferred Card has a 3% balance transfer fee ($5 min), 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 on balance transfers, the Citi Diamond Preferred Card also has no annual fee and a 12-month 0% intro APR on purchases. More card perks include the ability to select your payment date, allowing you to sync it up with your paycheck, extended warranty protection and free monthly Equifax FICO Scores. The card is also available to those with good to excellent credit. Overall, the Citi Diamond Preferred Card will definitely hit the spot if you want a card with a crazy long 0% intro APR term and a low ongoing APR.

Discover it -18 Month Balance Transfer Offer
pay no interest until 2019
If you want to avoid credit card interest for 18 months, Discover it -18 Month Balance Transfer Offer is the card for you. This card not only offers the longest 0% intro APR of any card noted in this post, but it also earns top-notch cash back rewards and is available to those with average to excellent credit (usually considered a credit score of 670+). Cardholders will get an 18-month 0% intro APR on balance transfers and a 6-month 0% intro APR on purchases. You do have to pay a balance transfer fee of 3%, but this one-time fee is likely worth it when you consider how much you’re currently paying in credit card interest — and how long you’ll have to pay off the balance!

In terms of cash back rewards, you’ll earn 5% back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) as well as 1% on all other purchases. Rotating categories provide you with a lot of rewards opportunities because it allows you to earn cash back on a number of different purchases. For example, 2018’s categories include gas and wholesale clubs from January to March, grocery stores from April to June, restaurants from July to September and Amazon.com and wholesale clubs from October through December. Impressive cash back rewards like this also make the card worth keeping in your wallet long after you’ve paid off any transferred balance. On top of all of that, Discover will match all of the cash back you earn at the end of your first year as a cardholder! For example, if you earn $500 cash back, Discover will match that to give you a total of $1,000 back!

Discover cardholders also get a number of added perks, including complimentary copies of their monthly FICO scores, social security number alerts and more. Rounding out Discover it 18-month Balance Transfer Offer are no annual fee and no foreign transaction fees, an ideal perk for those who frequently travel.

Long 0% Intro APR and No Balance Transfer Fee

BankAmericard Credit Card
pay no interest until 2019
This card is the perfect 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 15-month 0% intro APR 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, which means paying late won’t increase your APR, and monthly access to your FICO score for free.

Long 0% Intro APRs and Cash Back Rewards

Discover it – Cashback Match
pay no interest until 2019
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
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 (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.

Long 0% Intro APR and Mobile Phone Protection

Wells Fargo Platinum Visa
pay no interest until 2019
If you want to protect your mobile phone, take advantage of long 0% intro APRs, and pay no annual fee, Wells Fargo Platinum Visa is the card for you. It starts off with an 15-month 0% intro APR on balance transfers and purchases. There is 3% 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.