Updated: Sept. 10, 2018

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 are even two cards that allow 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 cards for avoiding interest until 2020

Citi Diamond Preferred Card

If 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%). If you want to avoid the balance transfer fee altogether, check out the cards detailed in the next section. 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.

Wells Fargo Platinum Visa Card

The Wells Fargo Platinum Visa Card is another option for those who want to avoid credit card interest until 2020. That’s because this card offers a nice 18-month 0% intro APR on both purchases and balance transfers, giving you plenty of time to pay down any balance you may be carrying or any future purchase you plan to make. The Wells Fargo Platinum Visa Card charges a 3% intro balance transfer fee for the first 18 months (after that, it’s 5%), which is standard, but this one-time fee is likely worth paying when you consider how long the 0% intro APR period is. On top of that, you’ll receive up to $600 in mobile phone protection against covered damage or theft (note there’s a $25 deductible per claim and a maximum of 2 claims per year). All you have to do to get this coverage is pay your monthly cell phone bill with your Wells Fargo Platinum Visa Card. The card also has no annual fee and requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

Citi Double Cash Card

Another card charging no interest until 2020 is the Citi Double Cash Card. Kicking things off is an 18-month 0% intro APR on balance transfers. There’s a 3% balance transfer fee ($5 minimum), but, as previously noted, the fee is likely worth paying since the 0% intro APR is so long. The Citi Double Cash Card doesn’t have a 0% intro APR on purchases, but it earns some impressive cash back rewards. Each purchase made with the card earns 2% cash back: you’ll earn 1% cash back when you make a purchase and another 1% cash back when you pay for that purchase. This means you’re getting rewarded for paying your credit card bill! Cash back earned with the Citi Double Cash Card can be redeemed for a check, statement credit, direct deposit into your bank account or a gift card. On top of all of that, the card has no annual fee and it provides cardholders with free FICO credit scores.

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

Discover it Cash Back

Those looking to avoid credit card interest and earn cash back on purchases will love the Discover it Cash Back card. Cardholders will not only get a 14-month 0% intro APR on purchases and balance transfers, then it’s 13.74% to 24.74% variable (with a 3% balance transfer fee), but they’ll also earn some impressive cash back rewards. Discover it Cash Back 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 the Discover it Cash Back card 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 Cash Back 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).

Bank of America Cash Rewards credit card – $200 Cash Rewards Offer

If you’d prefer a card that earns a high rewards rate on a number of everyday purchases and has a long 0% intro APR, the Bank of America Cash Rewards credit card is your best bet. To start, you’ll get a 0% intro APR on purchases for 12 billing cycles (then the rate is 14.99% to 24.99% variable) as well as a 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days (after that, a 14.99% to 24.99% variable APR applies). The card has a balance transfer fee of 3% or $10, whichever is greater, but this one-time fee is likely a lot cheaper than the ongoing interest you’re paying on your current card, making the balance transfer worthwhile. Next, when you spend $500 on purchases in the first 90 days, you’ll get a $200 online cash rewards bonus — that’s a 40% bonus! In terms of ongoing rewards, you’ll earn a 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs (up to $2,500/quarter in combined gas/grocery/wholesale club purchases) as well as 1% cash back on all other purchases. Rewards earned with this card can be redeemed for a statement credit or a check. Bank of America banking customers can also redeem their rewards for a direct deposit into their eligible checking or savings account, and doing so will earn them a 10% customer bonus — Bank of America Preferred Rewards clients can earn a bonus of 25% to 75%, depending on their relationship status. The Bank of America Cash Rewards credit card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

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.