Pay No Credit Card Interest Until 2021Updated: September 18, 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, a few cards on this list 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.

Our favorite cards for avoiding interest

Discover it Cash Back – Avoid Interest Until November 2020

Discover it Cash Back offers a 14-month 0% intro APR on purchases and balance transfers (then the APR is 13.99% to 24.99% 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.

Citi Simplicity Card – No Late Fees Ever – Avoid Interest Until June 2021

The Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) offers the best available introductory APR offer with a whopping 21-month 0% intro APR on balance transfers! All transfers come with a 5% balance transfer fee ($5 minimum) 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.

Citi Double Cash Card – Avoid Interest Until March 2021

The Citi Double Cash Card kicks things off with an 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee, $5 minimum). It doesn’t offer a 0% intro APR on purchases, so that might be a dealbreaker if you’re looking for a card with both. The card also earns 2% cash back on all purchases in a unique way — you’ll earn 1% cash back when you make a purchase and another 1% cash back when you pay for that purchase. We should note that balance transfers do not earn cash back rewards. Rounding out the Citi Double Cash Card is no annual fee.

BankAmericard credit card – Avoid Interest Until March 2021

The BankAmericard credit card offers a 0% intro APR on purchases for 18 billing cycles, along with a 0% intro APR for 18 billing cycles on balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum) — after the 0% intro APRs expire, the rate is 14.99% to 24.99% variable. On top of that, you’ll pay no annual fee and no penalty APR, which means paying late won’t increase your interest rate. Cardholders will also receive access to their FICO score for free via online banking. The BankAmericard credit card requires good to excellent credit (usually considered a credit score of 700 or higher) for approval.

Capital One Quicksilver Cash Rewards Credit Card – Avoid Interest Until December 2020

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.

Bank of America Cash Rewards credit card – Avoid Interest Until December 2020

The Bank of America Cash Rewards credit card offers a 0% intro APR on purchases for 15 billing cycles, along with a 0% intro APR for 15 billing cycles on balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum) — after the 0% intro APRs expire, the rate is 15.99% to 25.99% variable. On top of that, you’ll pay no annual fee and earn a high 3% cash back on a category of your choice, choose from gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You will also earn 2% at grocery stores and wholesale clubs and 1% on everything else (3% and 2% back on the first $2,500 in combined rewards per quarter, then 1%).

Chase Freedom Unlimited – Avoid Interest Until December 2020

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 earn 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.