Updated: Nov. 1, 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 Simplicity Card – No Late Fees Ever

Kicking off our list of the cards charging no interest until 2020 is the Citi Simplicity Card (a NextAdvisor advertiser). 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 balance transfer fee of 5% ($5 minimum). 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%). On the bright side, the card has no annual fee, late fees or penalty APR — ever! The Citi Simplicity Card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), also offers a 12-month 0% intro APR on purchases and provides cardholders with free access to FICO scores. Still, if you can’t get past the 5% balance transfer fee, consider one of the following cards.

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 13.99% to 24.99% 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).

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).

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).

Chase Freedom Unlimited

Rounding out our list of cards charging no interest until 2020 is Chase Freedom Unlimited, which offers a 15-month 0% intro APR on purchases and balance transfers. There’s a 5% 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).

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

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 15.24% to 25.24% variable) as well as a 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days (after that, a 15.24% to 25.24% 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).

Blue Cash Preferred Card from American Express

Those who want some serious cash back rewards and don’t mind paying an annual fee should consider the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser). That’s because this card not only offers a $200 statement credit after you spend $1,000 on purchases in the first 3 months, but it also earns 6% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1% cash back), 3% cash back at U.S. gas stations and select U.S. department stores as well as 1% cash back on all other purchases. Cash back earned with the Blue Cash Preferred Card from American Express can be redeemed for statement credit, gift cards, merchandise or travel (when booked through American Express Travel). Cardholders will also receive a 12-month 0% intro APR on purchases and balance transfers (then the rate is 14.99% to 25.99% variable). There’s a 3% balance transfer fee ($5 minimum), which is standard. The Blue Cash Preferred Card from American Express, which requires good to excellent credit for approval (usually considered a credit score of 700 or higher), comes with a $95 annual fee, but if you frequent the grocery store or gas station, the rewards you earn will likely cover the annual fee (and then some).

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.