Pay No Credit Card Interest Until 2020Updated: December 2, 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! 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 13.49% to 24.49% variable — with a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms) — 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 groceries from January to March; gas stations, Uber and Lyft from April to June; restaurants and PayPal from July to September; as well as Amazon.com, Target and Walmart.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).

Citi Simplicity® Card

For those looking to avoid interest until 2020 and beyond should look no further than the Citi Simplicity Card (a NextAdvisor advertiser). Although there are other cards on this list that offer better rewards, there are none that can beat the 21-month 0% introductory APR on balance transfers made within the first 4 months (with a balance transfer fee of 5%, $5 minimum). That makes the Simplicity card by far the best choice for anyone looking to consolidate high-interest credit card debt and have ample time to pay off what you owe without incurring interest. The card also offers 12-months introductory 0% APR on purchases. Better still, with this card, there’s no annual fee, no late fees, and no penalty rates.

Bank of America® Cash Rewards credit card

The Bank of America Cash Rewards credit card puts the cardholder in control with a flexible rewards structure. The cash rewards credit card offers a competitive 15-billing cycle 0% intro APR on purchases and balance transfers made in the first 60 days (15.49% – 25.49% variable APR thereafter), meaning you’ll have over a year to spread out the cost of a large purchase or pay down any debt you transfer (a balance transfer fee of 3% or $10 minimum will apply). This card is a great addition to your wallet due to its rewards structure that allows you to choose what you earn the highest rewards rate on. Get 3% cash back in the category of your choice (from gas to travel to online shopping), 2% at grocery stores and wholesale clubs and 1% on everything else ($2,500 a quarter in combined 3% and 2% category purchases). The card doesn’t come with an annual fee, and you’ll receive a generous $200 online cash bonus when you spend $1,000 in your first 90 days. If you already happen to bank with Bank of America and qualify for Preferred Rewards, you’ll get a 25% to 75% bonus on every purchase you make.

Chase Freedom Unlimited®

Chase Freedom Unlimited not only offers cash back rewards, but it also has a 15-month 0% intro APR on purchases and balance transfers (then 16.49% - 25.24% Variable thereafter). There’s a 3% intro balance transfer fee ($5 minimum) if you transfer a balance in the first 60 days (after that, it’s 5% or $5, whichever is greater), which is a bit higher than usual, 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. That’s because this card earns an unlimited 1.5% cash back on all purchases. Cash back earned with Chase Freedom Unlimited can be redeemed for a check, statement credit or a gift card. The Freedom Unlimited also offers a $150 bonus for spending $500 on purchases in the first 3 months. This card 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).

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is another option for those who want to avoid credit card interest until 2020. That’s because this card offers a nice 15-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 Capital One Quicksilver Cash Rewards Credit Card charges a 3% balance transfer fee (with a $10 minimum), 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 earn an unlimited 1.5% cash back on every purchase, every day and receive a $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. The card also has no annual fee and requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

Blue Cash Preferred® Card from American Express

If you want the best of the best when it comes to cash back credit cards with a long 0% intro APR, the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is for you. Kicking things off is a 12-month 0% intro on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum), which will bring you well into 2020 — after that, the rate is 14.49% to 25.49% variable (see rates and fees). On top of that, cardholders will earn a $250 bonus after spending $1,000 on purchases in the first 3 months — that’s like getting 25% back on the first $1,000 you spend — and some stellar ongoing rewards. You’ll earn 6% cash back at U.S. supermarkets (up to $6,000/year on purchases, then it’s 1%), 6% cash back on select U.S. streaming services3% cash back at U.S. gas stations3% cash back on transit and 1% cash back on all other purchases. The card has a $95 annual fee (see rates and fees), but the rewards are so significant that they’ll easily cover the annual fee — and then some. The Blue Cash Preferred Card from American Express is also available to those with good to excellent credit (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).

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.

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.