When you’re paying high interest on your credit card balance, it can feel like debt follows you everywhere. Stop making high-interest credit card payments and choose one of these fantastic cards from our partners, offering 0% intro APR periods until nearly 2028.
Updated Nov. 3, 2026
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Excellent for earning cash back with a low intro APR
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Intro APR
Purchases:
0%, 15 months
Balance Transfers:
0%, 15 months;
Balance transfer fee applies
Regular APR
18.74% – 28.74% (Variable)
Annual Fee
$0
Rewards Rate
1% – 5%
Cash back
Why We Like It
- Our Take: A multi-benefit card that could help you finance big purchases or help tackle your debt with 0% intro APR on purchases and balance transfers for 15 months (then APR is 18.74% – 28.74% (Variable); Balance transfer fee applies.)
- Earn a $200 Bonus: New for this card, receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening.
- Multiply Your Cash Back: In addition to the Intro APR, Discover will match all of the cash back you’ve earned at the end of your first year. For example, you could turn $150 cash back into $300.
Why You’ll Love The Discover it® Cash Back Card
The Discover it® Cash Back (Rates and fees) makes a great everyday or secondary credit card as it’s packed with excellent benefits — all with a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until 2028, we’re also impressed with the Discover it® Cash Back’s unique Unlimited Cashback Match™ and the ability to earn a $200 statement credit when you spend $500 in the first 3 months after account opening.
