no interest until 2019It’s no secret that there are credit cards that allow you to avoid interest on purchases and balance transfers and there are other cards that earn cash back on purchases, but is there a way to get both? We have some excellent news for you, because we have compiled a list of the cards that will not only help you pay no interest until 2019, but also get cash back on all of your purchases, including your holiday purchases. Keep reading to find the right card for your needs.

Discover it – Cashback Match

pay no interest until 2019Our top pick for paying no interest until 2019 and getting cash back is Discover it – Cashback Match. This card offers a 14-month 0% intro APR on purchases and balance transfers. While there is a 3% balance transfer fee, it’s likely this one-time fee is a lot cheaper than the interest you’re paying on your current credit card. In terms of cash back rewards, Discover it – Cashback Match earns 5% cash back on rotating categories every quarter you activate (up to the quarterly maximum spend, currently $1,500, then it’s 1% back) and 1% on all other purchases. From now through December of 2017, you’ll get 5% back at Amazon.com and Target, which makes Discover it – Cashback Match a perfect card for holiday shopping! Next year’s categories include gas stations and wholesale clubs from January through March, grocery stores from April through June, restaurants from July through September and Amazon.com and wholesale clubs from October through December of 2018, making Discover it – Cashback Match a solid card to keep in your wallet through 2018 and beyond.

What’s more, Discover will match all of the cash back you’ve earned in your first year as a cardholder, meaning you’re earning an effective 10% back on rotating categories and 2% on all other purchases made in the first year! In other words, if you earn $500 cash back in your first year as a cardholder, Discover will match that $500 to give you a total of $1,000 back! Cash back earned with this card can be redeemed for gift cards, cash back via direct deposit or credit to your Discover card account, merchandise and more. Other perks of Discover it – Cashback Match include no annual fee, no foreign transaction fees, free copies of your FICO scores every month, free social security monitoring and more. Discover it – Cashback Match is also available to those with average to excellent credit (usually considered a credit score of 670 or higher), while the other cards in this post require good to excellent credit (often considered a credit score of 700 or higher) for approval.

Chase Freedom – $150 Bonus

pay no interest until 2019Chase Freedom – $150 Bonus is another card that allows you to avoid credit card interest until 2019 and earn cash back. Kicking things off is a 15-month 0% intro APR on purchases and balance transfers. The card’s balance transfer fee is a bit higher (5%) than the other cards detailed in this post, which is something to consider, but it could still be worthwhile. In terms of cash back, Chase Freedom – $150 Bonus earns 5% cash back in bonus categories each quarter you activate (up to $1,500 in purchases, then it’s 1% back) as well as 1% on all other purchases. Cardholders will earn 5% back at Walmart and department stores from now through December of 2017, making it a solid holiday shopping companion. Chase hasn’t released the list of 2018’s categories yet, but 2017’s previous categories included gas stations, grocery stores, restaurants and more. Next, cardholders who spend $500 on purchases in the first 3 months from account opening will get a $150 bonus! And if you add an authorized user to your account and make a purchase in the same 3-month period, you get another $25, bringing your total intro bonus to $175! Cash back rewards can be redeemed for cash, travel (you can even pool your rewards with other Chase cards to redeem for travel), gift cards or statement credit. Additionally, Chase Freedom – $150 Bonus has no annual fee.

Prefer to earn a flat cash back rate on all your purchases, so you don’t have to worry about rotating categories or spending caps? If so, Chase Freedom Unlimited is the card for you. This card offers the same 15-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee) as its sister card, but it earns an unlimited 1.5% cash back on all purchases. It also has the same $175 intro bonus opportunity. Check out our Chase Freedom Unlimited review to see if it’s a fit for you.

Blue Cash Everyday Card from American Express

pay no interest until 2019Rounding out our list is the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser), which is the perfect card for grocery shoppers looking to avoid credit card interest until 2019. This card offers a 15-month 0% intro APR on purchases as well as balance transfers, and has a reasonable 3% balance transfer fee. When it comes to cash back, cardholders earn 3% back a U.S. supermarkets (up to $6,000/year in purchases, then it’s 1% back), 2% back at U.S. gas stations and select U.S. department stores as well as 1% on all other purchases. As you can see, the card really makes sense for someone who frequents the grocery store or gas station — in fact, it’s one of the cards in my wallet. On top of that, cardholders who spend $1,000 on purchases in the first 3 months will get a $150 statement credit bonus! Cash back earned with the Blue Cash Everyday Card can be redeemed for statement credit, travel, merchandise and gift cards. Other perks of the Blue Cash Everyday Card from American Express include no annual fee and a handful of travel benefits, including car rental loss and damage insurance, global assist hotline, roadside assistance and travel accident insurance. Want to see if you pre-qualify for a special offer from American Express? Use our Pre-Qualification Tool to find out — you may qualify for an intro bonus of up to $200!

Paying credit card interest is a drag. While getting a 0% intro APR credit card can help you avoid interest, it’s not always a card that you’ll want in your wallet after you pay off the balance. By opting for one of the cards we noted above, you can not only avoid interest until 2019, but also get cash back rewards that make the card worth keeping in your wallet long after your card is paid off. Visit our reviews of the best low APR credit cards to learn more about these cards and see how they compare to other cards on the market.

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.