Carrying a balance on your credit card isn’t fun. While you’re paying an arm and a leg in credit card interest, the balance seems to barely move. Although you may think there’s no way to escape your credit card debt, a low APR credit card can help. That’s because these cards allow you to avoid credit card interest for an extended period of time by offering long 0% intro APRs on balance transfers, purchases or both! This means you can rid yourself of credit card debt by choosing a card with a long 0% intro APR on balance transfers, while those who want to make a large purchase should choose a card with a long 0% intro APR on purchases.

What’s more, low APR cards currently offer some of the most competitive offers. In fact, there’s even one card that allows you to pay no credit card interest until 2020! Not sure which card is the best for you? Keep reading to see our list of the best low APR credit cards.

Best card for avoiding interest until 2020

Citi Diamond Preferred Card

pay no credit card interestIf you want to say goodbye to credit card interest until 2020, the Citi Diamond Preferred Card (a NextAdvisor advertiser) is the best choice for you. That’s because this card offers a whopping 21-month 0% intro APR on balance transfers! Although this intro period is impressive, you should know it comes with a not-so-great balance transfer fee of 5%. The balance transfer fee may not break the bank – e.g., you’ll pay $250 to transfer a $5,000 balance — but it’s important to be aware of because it’s higher than most other balance transfer credit cards’ fees (the standard is 3%). That said, the Citi Diamond Preferred Card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), has some other perks that cardholders will find appealing, including a 12-month 0% intro APR on purchases, no annual fee and free access to FICO scores. Still, if you can’t get past the 5% balance transfer fee, consider one of the following cards.

Best cards with long 0% intro APRs and no balance transfer fees

The Amex EveryDay Credit Card from American Express

pay no credit card interestBalance transfer fees are a thing of the past when it comes to the Amex EveryDay Credit Card from American Express (a NextAdvisor advertiser). This card not only offers a 15-month 0% intro APR on purchases and balance transfers, but it also charges $0 balance transfer fee on transfers requested within the first 60 days of account opening. On top of that, the Amex EveryDay Credit Card from American Express earns rewards on purchases you make with the card. Kicking things off is a 10,000-point bonus — worth $100 when redeemed for flights via American Express Travel — that you’ll earn after spending $1,000 on purchases in the first 3 months. Next, you’ll earn 2X points per $1 spent at supermarkets (up to $6,000/year in purchases, then it’s 1 point back) as well as 1 point per $1 spent on everything else. As if that isn’t enough, when you use the card to make 20 or more purchases in a billing period, you’ll earn 20% more points on those purchases. Earned points can be redeemed for travel, entertainment, dining, merchandise and more. Rounding out this one-of-a-kind balance transfer credit card is no annual fee. The Amex EveryDay Credit Card from American Express also requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

Chase Slate

pay no credit card interestPrefer a straightforward balance transfer credit card that doesn’t earn any rewards? If so, Chase Slate is a better fit for you. Kicking things off is a 15-month 0% intro APR on balance transfers made in the first 60 days of account opening and no balance transfer fee for transfers made in the same 60-day period (after that, it’s 5% or $5, whichever is greater), which can save you a boatload of money. Next, Chase Slate cardholders will enjoy a 15-month 0% intro APR on purchases and free access to their FICO score. This card also has no penalty APR, which means paying late won’t increase your APR, no annual fee and it’s available to those with good to excellent credit (usually considered a credit score of 700 or higher).

BankAmericard Credit Card

pay no credit card interestAnother top option for someone looking for a long 0% intro APR and no balance transfer fee is the BankAmericard Credit Card. This card has a 15-month 0% intro APR on balance transfers made within the first 60 days, and charges no balance transfer fee for transfers made in the same 60 days (after that, it’s 3% or $10, whichever is greater). If any planned or unplanned purchases pop up, you’re covered with a 0% intro APR for 15 months on purchases. The BankAmericard Credit Card, which requires good to excellent credit for approval (usually considered a credit score of 700 or higher), provides cardholders with monthly updates to their FICO credit score for free. The card also has no annual fee and no penalty APR.

Best cards with long 0% intro APRs and cash back rewards

Discover it – Cashback Match

pay no credit card interestThose looking to avoid credit card interest and earn cash back on purchases will love Discover it – Cashback Match. Cardholders will not only get a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), but they’ll also earn some impressive cash back rewards. Discover it – Cashback Match earns 5% cash back on rotating categories each quarter you activate (up to the quarterly limit, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. As noted, you’re required to activate the 5% cash back categories every quarter, but Discover will remind you when it’s time to do so, plus rotating categories provide you with a number of cash back opportunities. For example, 2018’s categories include gas stations and wholesale clubs from January to March, grocery stores from April to June, restaurants from July to September as well as Amazon.com and wholesale clubs from October to December. What’s more, Discover will match all of the cash back you’ve earned at the end of your first year — this means if you earn $400 cash back in your first year as a cardholder, Discover will match that to give you a total of $800 back! Cash back earned with Discover it – Cashback Match can be redeemed for a deposit into your bank account or statement credit or a form of payment on Amazon.com. It can also be redeemed for gift cards, eCertificates and more. On top of paying no annual fee, Discover it – Cashback Match cardholders pay no foreign transaction fees, which is ideal for overseas travelers. It’s also the only card on this list that’s available to those with average to excellent credit (usually considered a credit score of 670 or higher).

Wells Fargo Cash Wise Visa Card

pay no credit card interestIf you’d prefer a card that earns a flat cash back rate on every purchase and has a long 0% intro APR, the Wells Fargo Cash Wise Visa Card is your best bet. To start, you’ll get a 12-month 0% intro APR on purchases and balance transfers (with a 3% intro balance transfer fee for 12 months, then it’s 5%), which gives you plenty of time to pay off any smaller balance. Next, when you spend $1,000 on purchases in the first 3 months, you’ll get a $200 cash rewards bonus! In terms of ongoing rewards, you’ll earn unlimited 1.5% cash rewards on purchases, as well as 1.8% cash back on qualified mobile wallet purchases, like Apple Pay or Android Pay, made in the first 12 months from account opening. Because you’ll earn a flat cash back rate on every purchase, you don’t need to worry about category restrictions or signups, which is nice if you’d prefer a card that you can set and forget. Cash rewards earned with this card can be redeemed for gift cards, merchandise and travel, or for direct deposit into a Wells Fargo checking or savings account, at a Wells Fargo ATM or by physical check. In addition to a $0 annual fee, Wells Fargo offers up to $600 cell phone protection against covered damage or theft to cardholders who use their Wells Fargo Cash Wise Visa Card to pay their monthly cell phone bill. While there’s a $25 deductible per claim (and a maximum of 2 claims per year), this fee is likely a lot cheaper than the insurance you’d get from your cell phone provider. Finally, you’ll need good to excellent credit to qualify for this card.

Not finding what you’re looking for? Visit our reviews of the best balance transfer credit cards to compare these cards to others on the market. Also, check our out free Balance Transfer Calculator to see how much a balance transfer can actually save you.

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.