NerdWallet - February 9, 2026

💳 Take a long pause from paying interest

Get more than a year of 0% intro APR ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Personal Loans

Balance Transfer

LOW INTEREST

These cards offer up to 21 months of 0% intro APR

Low intro rate credit cards are a smart choice if you want to maximize your rewards or pay down high-interest debt. Start saving money now with this month’s top cards.

SHOW ME THE CARDS

Based on NerdWallet’s estimate of the average credit card interest rate, NerdWallet's 2024 average household debt study, (credit card debt total), and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period, after a 3% balance transfer fee is paid on the new card.

Compare the difference between paying down an $10,500 debt on a 23% APR card and a 0% intro interest balance transfer card in equal installments over 18 months (an example 0% intro interest period). The latter will typically charge you a one-time fee of 3 to 5% on the balance transferred (or a $5 minimum fee, whichever is greater). Then, you won’t be charged any interest for the duration of the 0% intro APR period. Using the balance transfer card could save you around $1,700, even after paying a 3% transfer fee of $315, assuming the debt is repaid in full within the 0% intro interest period. As a heads up, the amount you may qualify to transfer and save depends on a variety of factors including your credit worthiness.

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