Pay No Credit Card Interest Until 2020Updated: March 11, 2019

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 have some of the most competitive offers. In fact, there are a number of cards that allow you to pay no credit card interest until 2020 and one card has no balance transfer fee! 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

Discover it Cash Back

Those looking to avoid credit card interest until 2020 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 14.24% to 25.24% 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, 2019’s categories include grocery stores from January to March, gas stations, Uber and Lyft from April to June, restaurants from July to September as well as Amazon.com 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).

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 120 days (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).

Capital One SavorOne Cash Rewards Credit Card

Our next pick is the Capital One SavorOne Cash Rewards Credit Card, which offers a 15-month 0% intro APR on purchases and balance transfers. While there is a 3% balance transfer fee, this one-time fee isn’t a big deal when you compare it to your current credit card’s interest rate — you’ll also avoid interest until 2020! On top of that, cardholders will earn a $150 cash back bonus after spending $500 on purchases in the first 3 months from account opening. They’ll also earn some stellar ongoing rewards, including an unlimited 3% cash back on dining and entertainment (e.g., purchases at amusement parks, movie theaters and zoos), along with 2% cash back at grocery stores and 1% cash back on all other purchases. Since the card’s unlimited rewards don’t rotate, this means you don’t have to worry about spending caps or enrolling to earn cash back. Cash back earned with the Capital One SavorOne Cash Rewards Credit Card can be redeemed in the form of a check, gift card or statement credit. As if all of these rewards and perks aren’t enough, the Capital One SavorOne Cash Rewards Credit Card has no annual fee and no foreign transaction fees. Finally, it’s available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Citi Rewards+ Card

Those looking for a card that will not only get them into 2020 with no interest, but also earn them unique rewards on all purchases should check out the Citi Rewards+ Card (a NextAdvisor advertiser). That’s because this card offers a 12-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum) and earns 2X at grocery stores and gas stations (up to $6,000/year in purchases, then 1X points) as well as 1X on all other purchases! The Citi Rewards+ Card will also automatically round up all points to the nearest 10 for every purchase. Here’s how the roundup bonus works: if you spend $2.50 on a cup of coffee (a purchase that earns 2.50 points — 1X back on every $1), Citi will round those rewards to the nearest 10 points and you’d get a total of 10 points for spending $2.50! What’s more, this roundup bonus applies to 2X categories, which means you can truly maximize all of your purchases. On top of that, the card has no annual fee and offers a 15,000-point bonus — that’s worth $150 when you redeem it for a gift card via thankyou.com — to cardholders who spend $1,000 on purchases in the first 3 months of account opening. It should be noted that the Citi Rewards+ Card requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

Bank of America Cash Rewards credit card

The Bank of America Cash Rewards credit card offers a 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days. There is a 3% balance transfer fee ($10 minimum), but this one-time fee may be worth paying since you get 1 year of no interest. On top of that, the Bank of America Cash Rewards credit card has a 0% intro APR for 12 billing cycles on purchases. After the 0% intro APRs expire, the rate is 16.24% to 26.24% variable. The Bank of America Cash Rewards credit card also comes with some serious cash back rewards. You’ll earn 3% cash back on the category of your choice — you can choose between (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishings — and 2% cash back at wholesale clubs and grocery stores (up to $2,500/quarter spend on choice category/wholesale club/grocery store purchases, then it’s 1% back). Cardholders also earn 1% cash back on all other purchases. As if that isn’t enough, you’ll get a $150 online cash rewards bonus when you spend $500 on purchases in the first 90 days of account opening (note that you must apply online to earn this bonus). What’s more, Bank of America Preferred Rewards clients can get a 25% to 75% rewards bonus on every purchase. The Bank of America Cash Rewards credit card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), also has no annual fee.

Chase Freedom Unlimited

Chase Freedom Unlimited not only offers cash back rewards, but also has a 15-month 0% intro APR on purchases and 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 and the card offers cash back rewards, meaning it’s probably a card you’ll want to keep in your wallet long after the 0% intro APR expires. Each purchase made with the card earns an unlimited 1.5% cash back, plus you’ll earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening. Cash back earned with Chase Freedom Unlimited can be redeemed for a check, statement credit or a gift card. This card also charges no annual fee, provides cardholders with access to their FICO score for free and is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Barclaycard Ring Mastercard

Want to pay less than 3% for a balance transfer fee? If so, the Barclaycard Ring Mastercard is for you. Balance transfers completed in the first 45 days of account opening will receive a 15-month 0% intro APR on balance transfers and have a low 2% balance transfer fee! Any transfers made after the first 45 days come with a low ongoing APR of 14.24% and no balance transfer fee. We suggest transferring the balance within the first 45 days of account opening, as a 2% balance transfer fee is really affordable. For example, if you transfer a $2,000 balance, you’ll pay just $40, which we bet is a heck of a lot less than what you’d pay in credit card interest for 15 months. Purchases made with the Barclaycard Ring Mastercard do not earn rewards, and the card has no 0% intro APR on purchases. That said, you’ll pay no annual fee and no foreign transaction fees, meaning it’s a card that makes sense to take on overseas adventures. Cardholders will also receive free access to your FICO score, updated every month. Finally, the Barclaycard Ring Mastercard requires good to excellent credit for approval (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 out our 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.