Pay No Credit Card Interest Until 2021Updated: May 20, 2019

Paying credit card interest is a drag. You can feel like you’re trapped in the endless cycle of credit card debt as you work to pay down a balance that doesn’t seem to be moving much. While you may think there’s no solution, a low APR credit card can help you out. These cards offer long 0% intro APRs on purchases or balance transfers — or both — which allow you to avoid paying credit card interest for an extended period of time. In fact, one card can rid you of credit card interest until 2021! Keep reading to learn about our favorite card for avoiding credit card interest until 2021 and see which cards will get you through or close to the end of 2020 without paying a dime in credit card interest.

Best card for avoiding interest until 2021

Citi Simplicity Card – No Late Fees Ever

The Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) is the only card on this list that will get you into 2021 without paying credit card interest. This card offers a whopping 21-month 0% intro APR on balance transfers! All transfers come with a 5% balance transfer fee and must be completed within the first 4 months of account opening, but we still think this card is worthwhile when you consider how long the 0% intro APR period is. Cardholders also receive a 12-month 0% intro APR on purchases, and pay no annual fee, no penalty rate and no late fees.

Best cards for avoiding interest until nearly 2021

Wells Fargo Platinum Visa card

Although it doesn’t take you all the way to 2021, the Wells Fargo Platinum Visa card will take you to the end of 2020 with no credit card interest. That’s because the card offers an 18-month 0% intro APR on purchases and on qualifying balance transfers made in the first 120 days of account opening (with an intro 3% balance transfer fee for 120 days, then it’s 5%). On top of that, you’ll pay no annual fee and get up to $600 in mobile phone protection when you use your Wells Fargo Platinum Visa card to pay your monthly cell phone bill (with a $25 deductible per claim and maximum of 2 claims per year).

Discover it Cash Back

Discover it Cash Back offers a 14-month 0% intro APR on purchases and balance transfers (then the APR is 14.24% to 25.24% variable) — with an intro 3% balance transfer fee, up to 5% fee on future balances (see terms). When it comes to cash back, you’ll earn 5% cash back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. What’s more, Discover will match all of the cash back you earn in your first year as a cardholder! Click “Show Details” to learn more about this no-annual-fee card.

Capital One Quicksilver Cash Rewards Credit Card

Want a card with straightforward cash back rates and a long 0% intro APR? If so, the Capital One Quicksilver Cash Rewards Credit Card is for you. Kicking things off is a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). Next, when you spend $500 on purchases in the first 3 months of account opening, you’ll get a $150 bonus! Additionally, you’ll earn an unlimited 1.5% cash back on all purchases. As if all of that isn’t enough, it has no annual fee and no foreign transaction fees.

Chase Freedom Unlimited

Another card offering a flat cash back rate on all purchases with a long 0% intro APR is Chase Freedom Unlimited. Cardholders will get a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). In terms of cash back rewards, you’ll 3% cash back on all purchases made in your first year (up to $20,000 spent). After that, you’ll earn an unlimited 1.5% cash back on all purchases, which means you don’t have to worry about spending limits or categories. Chase Freedom Unlimited also has no annual fee.

Not sure if the cards detailed in this post are right for you? Visit our low APR credit card reviews to see how they compare to others 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.