Pay No Interest While You Rack Up Rewards


Many cash back and rewards credit cards offer long 0% intro APR periods that appeal to applicants who need to transfer existing high-interest balances or plan to use their new card to make a large purchase that they can’t pay off in a single month. If you budget to pay off your entire balance before the intro period ends, you can earn substantial rewards on these cards without paying interest on the balance you carry. Plus, with holiday spending right around the corner, it is the perfect time to get approved for a card that will reward you for all of those purchases while allowing you to pay for them over time without worrying about interest charges. We have rounded up the top cash back and rewards card options from our partners to help you find your perfect match. They are all fantastic options for those with good to excellent credit (670-850*) and none of them charge an annual fee!

Wells Fargo Active Cash® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Active Cash® Card

This stellar cash back card from Wells Fargo offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers followed by a 18.74%, 23.74%, or 28.74% variable APR. You will earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. Another great perk it offers is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible).

Wells Fargo Autograph℠ Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Autograph℠ Card

This brand new, $0 annual fee credit card offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. For a limited time, new card members can also earn a massive 30,000-point welcome bonus after spending $1,500 in the first three months. This bonus has a $300 cash redemption value and it is the biggest welcome bonus we have seen on a card that does not charge an annual fee. This lucrative welcome offer expires 1/10/2023 so make sure to apply today. In addition to the cash redemption option you can also redeem your rewards for travel, gift cards, and more. There is not an intro APR option for balance transfers, but it does offer 0% intro APR for 12 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR plus many other premium benefits.

Discover it® Cash Back

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on Discover’s secure site
Recommended Credit Score
Excellent/Good
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Discover it® Cash Back

The Discover it® Cash Back card is a well-rounded option as it offers fantastic cash back rewards, a generous intro APR period, a unique bonus opportunity and does not charge an annual fee. You will earn 5% back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants and gas stations (up to $1,500 in combined purchases each quarter you activate, then you earn 1%) and 1% back on all of your other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus. It is easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories. It also offers a 0% Intro APR on purchases and on balance transfers for 15 months, then 15.74% – 26.74% Variable APR.

Blue Cash Everyday® Card from American Express

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on American Express’ secure site
Recommended Credit Score
Good – Excellent
Rates and Fees| Terms Apply
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Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a great card for anyone looking for a long intro period on purchases who is also interested in cash back rewards. New cardmembers will get a 0% intro APR on purchases for the first 15 months, followed by a 17.74%-28.74% Variable APR. There is currently no balance transfer option on this card, but the cash back rewards are lucrative. First-time card members will have the opportunity to earn up to $250 in welcome bonuses. First you will earn $100 after you spend $2,000 in purchases on your new card within the first 6 months. You can also earn up to $150 back when you shop with Paypal (see terms for details). As for ongoing rewards, you’ll earn 3% back at U.S. supermarkets (capped at $6,000 per calendar year in purchases), 2% at U.S. gas stations and at select U.S. department stores and 1% on all of your other eligible purchases.

Getting approved for a credit card with a long 0% introductory APR on purchases and balance transfers is an excellent way to save money. It is important to plan ahead and aim to pay your balance down before the introductory period is over, if possible. If you are not sure about how a balance transfer can work for you then you can read about all of the important Balance Transfer Basics here.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.