Discover top 7 low and zero-interest credit cards that can help you save money on debt repayment. From 0% introductory APRs to cashback rewards, these options provide flexibility and financial benefits. Learn about each card’s features to choose the best fit for your needs and maximize savings during your debt payoff journey.

If you're looking to cut expenses while paying down debt, choosing a zero-interest credit card is an effective strategy. With many options available in today’s market, finding the right one can be overwhelming. It's advisable to contact credit providers directly for the latest zero-interest offers and terms. Here are some top choices that stand out:

Discover It
This card offers a Cashback Match on the first $200, effectively doubling your rewards in the first year. You earn 5% cashback in select categories like shopping, dining, and fuel, and 1% on other purchases. Rewards are flexible and never expire.

Wells Fargo Platinum Visa
Enjoy 18 months of 0% APR on purchases, followed by a variable rate between 16.15% and 25.99%. It also provides mobile protection with a small deductible, covering damages or theft up to $600.

Bank of America Cash Rewards
Benefit from 0% APR for 15 billing cycles on new purchases and balance transfers within the first 60 days. After the introductory period, rates vary from 12.99% to 22.99%. Features include a 60-day no-fee balance transfer and no annual fee.

Chase Slate
This card offers an introductory 0% APR on purchases and transfers for a limited time. It’s known for its balance transfer tools, with no penalty APR and minimal transfer fees after the promo period. You also get free access to your FICO score each month.

PenFed Promise Visa
Features a low ongoing APR with no fees—no late, balance transfer, cash advance, or annual fees. New cardholders can get a 12-month 4.99% rate on balance transfers and receive a $100 statement credit after spending $1,500 in 90 days. Its variable APR is from 9.24% to 17.99%.

Discover it Chrome
This card provides a lower APR for purchases and transfers than standard Discover It cards. It offers 14 months of 0% balance transfer APR, with cashback rewards on gas and other categories, and doubled rewards in the first year.

Chase Freedom
Earn a $150 bonus after spending $500 within the first three months. It features 5% cashback on rotating quarterly categories like dining and gas, up to $1,500, and 1% on all other purchases. No annual fee, with a 15-month 0% APR on purchases and transfers. Post-promo rates range from 15.99% to 24.74%, with a 5% transfer fee.