Pay No Interest Until Nearly 2020Carrying a balance on a credit card is not ideal, especially with rising interest rates. While a number of cards offer 0% intro APRs on balance transfers and purchases, there are a handful of other cards that offer both a long 0% intro APR period and cash back rewards. Getting a card that earns cash back on purchases makes sense for the long run, as you’ll want to continue using the card after the 0% intro APR expires. What cards offer the best combination of long 0% intro APRs and cash back? These are our top picks.

Discover it Cash Back

The Discover it Cash Back card offers the perfect combination of a long 0% intro APR and cash back rewards. That’s because it offers a sweet 14-month 0% intro APR on purchases and balance transfers (after that, a 13.74% to 24.74% variable rate applies). There is a 3% balance transfer fee, but this one-time fee is likely still worth paying when you consider how long the 0% intro APR period is. On top of this lengthy 0% intro APR period that takes you almost into 2020, the Discover it Cash Back card offers some stellar cash back rewards. To start, cardholders will earn 5% cash back in rotating categories each quarter they activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) as well as 1% cash back on all other purchases. Earning cash back in rotating categories gives you the opportunity to get cash back on a number of purchases throughout the year. 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. As if these cash back rewards aren’t enough, Discover will match all of the cash back you earn in the first year as a cardholder! This means if you earn $200 in the first year, Discover will match that $200 to give you a total of $400 back! The Discover it Cash Back card also has no annual fee, no foreign transaction fees and a number of added perks (e.g., free identity theft protection alerts and free monthly FICO credit scores). Additionally, the card requires average to excellent credit (usually considered a credit score of 670 or higher) for approval.

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

Frequent the grocery store or gas station? If so, the Bank of America Cash Rewards credit card is for you. Kicking things off is a $200 online-exclusive bonus that you can earn after spending $500 on purchases in the first 90 days — that’s 40% back on the first $500 you spend! In terms of ongoing rewards, you’ll earn 3% cash back on gas and 2% cash back at wholesale clubs and grocery stores (up to $2,500 in combined gas/wholesale club/grocery store purchases each quarter). All other purchases earn 1% cash back. On top of that, you’ll get a 0% intro APR on purchases for 12 billing cycles (after that, it’s 14.99% to 24.99% variable) and a 0% intro APR on balance transfers made in the first 60 days for 12 billing cycles (then the rate is 14.99% to 24.99% variable), bringing you right to the end of 2019. Like the other cards detailed in this post, the Bank of America Cash Rewards credit card charges a 3% or $10 balance transfer fee, whichever is greater. Bank of America banking customers will especially love the Bank of America Cash Rewards credit card because they can earn 10% customer bonus when they redeem their cash back rewards directly into their checking or savings account — Preferred Rewards customers can earn a bonus of 25% to 75%, depending on their status. On top of having no annual fee, the Bank of America Cash Rewards credit card, which is available to those with good to excellent credit (often considered a credit score of 700 or higher), provides cardholders with a copy of their FICO score for free every month.

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card is perfect for the modern traveler looking to avoid credit card interest until nearly 2020. Cardholders will get a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for 12 months, then it’s 5%). Next, the Wells Fargo Propel American Express Card offers a sweet 30,000-point bonus — that’s redeemable for $300 cash back! — to those who spend $3,000 on purchases in the first 3 months. As if that isn’t enough, the card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), earns some impressive ongoing rewards. You’ll earn 3X points for eating out or dining in, 3X points for gas stations, rideshares and transit as well as 3X points for travel, which includes flights, hotels, homestays and car rentals. All other purchases will earn 1X points. Wells Fargo also provides cardholders with up to $600 in mobile protection against covered damage or theft (up to 2 claims per year with a $25 deductible per claim). All you have to do to get this mobile protection is pay your monthly cell phone bill with your Wells Fargo Propel American Express Card. Rounding out the card are no foreign transaction fees, a perfect perk for travelers, and no annual fee.

Capital One SavorOne Cash Rewards Credit Card

Our final pick for the best credit cards to avoid interest until nearly 2020 is the Capital One SavorOne Cash Rewards Credit Card, which was developed with foodies in mind. That’s because the card not only offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), but it also earns 3% cash back on dining and entertainment (e.g., purchases at movie theaters, zoos, museums and more), 2% cash back at grocery stores and 1% cash back on all other purchases. Plus, when you spend $500 on purchases in the first 3 months, you’ll earn a $150 cash back bonus! The Capital One SavorOne Cash Rewards Credit Card is available to those with good to excellent credit (often considered a credit score of 700 or higher) and has no annual fee, along with no foreign transaction fees. Capital One also provides cardholders with added perks, like extended warranty, roadside assistance, price protection and more.

Finding the right card for your needs is important. While you can settle for a no-frills low APR credit card, it often makes sense to pick a card that offers both cash back and a long 0% intro APR. Visit our reviews of the best cash back credit cards to learn more about the options detailed in this post and see how they compare to competitors.

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.