Sol Connection

0% Interest Credit Cards

Clean water today. Zero interest for up to 21 months.

These no-annual-fee credit cards give you 0% interest for 15 to 21 months. The two Chase picks drop straight into Apple Pay once you’re approved; U.S. Bank and Citi usually hand you a card number the same day instead. Pay for your system on install day, then spread it out, and as long as the balance is gone before the window ends you never pay interest.

Book My InstallationCall (951) 517-3412
0%interest during the intro period
21 molongest interest-free window
$0annual fee on every card listed
Same dayApple Pay access on both Chase picks

How it works

Three steps, no paperwork from us

The card does the financing; we do the install. How fast you can use the card depends on the issuer, and every card below says exactly how.

  1. 1

    Apply online in minutes

    Most decisions come back in about a minute. Apply on the issuer's website, not in a branch, so you get the digital card option.

  2. 2

    Add it to your phone

    The Chase cards go straight into Apple Pay or Google Pay on approval. U.S. Bank and Citi usually show you a card number instead, when the approval is instant. Each card below says which.

  3. 3

    We install, you pay it down

    Pay for your system the day we install it, then split it however you like over the 0% window. Clear it before the window ends and you never owe a cent of interest; whatever is left after that is charged at the card's regular rate.

Cards you can use quickly

Four cards, no annual fee, 0% on purchases

Three give you 18 to 21 months at 0%. The fourth trades six months of that window for a $200 sign-up bonus. Each tile says exactly how fast you can use it, from Apple Pay on approval to a one-time card number.

Top pick
Chase Slate card

Chase Slate

Visa

21 mo0% on purchases
21 mo0% on balance transfers
$0annual fee
Use it today: Yes

Same-day access: Chase's "Spend Instantly" adds the card to Apple Pay, Google Pay or Samsung Pay from the Chase app right after approval.

Sign-up bonus: none. The 21-month window is the offer.

Benefits

  • 6 months of free DashPass, plus $10 off a DoorDash order every quarter
  • Purchase protection: 120 days, up to $500 per item
  • Extended warranty: one extra year on eligible purchases
  • Rental car collision coverage and roadside assistance
  • Zero liability on unauthorized charges, free credit score
  • Automatic credit-line review every 6 months

Good to know: Your full credit line may wait for the physical card. After the intro, 18.49% to 28.49% variable.

Longest window, easiest access.

Apply at Chase
U.S. Bank Shield Visa card

U.S. Bank Shield Visa

Visa

21 cyc0% on purchases
21 cyc0% on balance transfers
$0annual fee
Use it today: Usually

Same-day access: A virtual card number appears in the U.S. Bank app after approval. Most reliable if you already bank there.

Sign-up bonus: none, but a $20 credit every year you use it 11 months straight.

Benefits

  • 4% cash back on flights, hotels and cars booked through U.S. Bank
  • $20 statement credit each year after 11 straight months of use
  • Cell phone protection up to $600 when you pay the bill with the card
  • One fee-free 3-month ExtendPay plan every year
  • Redeem rewards by text with Real-Time Rewards
  • Free credit score and alerts

Good to know: After the intro, about 17% to 28% variable. Balance transfer fee 5%.

Same window, plus rewards.

Apply at U.S. Bank
Citi Simplicity card

Citi Simplicity

Mastercard

18 mo0% on purchases
18 mo0% on balance transfers
$0annual fee
Use it today: If approved instantly

Same-day access: When the approval is instant, Citi shows a temporary card number on screen once. Write it down right then.

Sign-up bonus: none. No late fees, ever, is the perk.

Benefits

  • No late fees and no penalty rate, ever
  • Pick your own payment due date
  • Add authorized users at no cost
  • Citi Entertainment presale tickets and events
  • Mastercard ID Theft Protection and $0 liability
  • Lock the card from the app, free FICO score

Good to know: No rewards. After the intro, 17.74% to 28.49% variable.

Shortest window, most forgiving.

Apply at Citi
Bonus pick
Chase Freedom Unlimited card

Chase Freedom Unlimited

Visa

15 mo0% on purchases
15 mo0% on balance transfers
$0annual fee
Use it today: Yes

Same-day access: Same "Spend Instantly" path as the Slate, straight into Apple Pay from the Chase app.

Sign-up bonus: $200 cash back after you spend $500 in the first 3 months.

Benefits

  • 1.5% cash back on everything, 3% at restaurants and drugstores, 5% on Chase Travel
  • 6 months of free DashPass, plus $10 off a DoorDash order every quarter
  • Purchase protection: 120 days, up to $500 per item
  • Extended warranty, rental car collision coverage
  • Trip cancellation coverage up to $1,500 per person
  • Zero liability, free credit score

Good to know: Six fewer months at 0% than the Slate. After the intro, about 18% to 28% variable.

Shorter window, pays you $200.

Apply at Chase

Payment estimate

What this system runs per month

Pick the system and how you would pay. Tap any underlined figure to change it.

System

Installed price

$$5,75040% off

Card offer

Pay it off in

months

Rate after the 0% window

%
$

Estimated monthly payment

$164/mo

$3,450 over 21 months, all inside the 0% window. $0 interest.

Book My InstallationApply for the Chase Slate ↗

Estimate only. These are 0% intro APR cards, not deferred-interest promotions: interest only ever applies to what is still owed after the window. Approval, credit line and the 0% period depend on the applicant, and offers change, so check the card's own page. A $97 non-refundable booking deposit is due at booking.

More cards that pay a bonus

Something back for signing up

All three have no annual fee and 15 months at 0% on purchases. Worth a look if you can clear the balance in a little over a year.

American Express Blue Cash Everyday card

American Express Blue Cash Everyday

15 months at 0%$0 annual feeUse it today: Yes

Sign-up bonus: Up to $200 back after $2,000 in the first 6 months. Offers vary by applicant.

Benefits

  • 3% back at U.S. supermarkets, U.S. gas stations and U.S. online retail, up to $6,000 a year in each
  • Up to $7 a month back on the Disney Bundle
  • Up to $15 a month back on Home Chef
  • Full card number on screen right after approval
  • Plan It: split big purchases into fixed monthly payments
  • ShopRunner free 2-day shipping, Global Assist hotline
Apply at American Express

2.7% fee on purchases outside the U.S.

Discover it Cash Back card

Discover it Cash Back

15 months at 0%$0 annual feeUse it today: Usually

Sign-up bonus: First-year cash back doubled no minimum spend. Discover matches everything you earned at the end of year one.

Benefits

  • 5% back in rotating categories each quarter, up to $1,500 in spend, when you activate
  • 1% back on everything else
  • Virtual card number for most applicants once approved
  • $0 fraud liability
  • Lock the card from the app
  • Free credit monitoring and dark-web alerts
Apply at Discover

Categories change every quarter and need a tap to activate.

Capital One Quicksilver card

Capital One Quicksilver

15 months at 0%$0 annual feeUse it today: Only if you already bank there

Sign-up bonus: $200 cash back after you spend $500 in the first 3 months.

Benefits

  • Unlimited 1.5% cash back on every purchase
  • 5% back on hotels and rental cars booked through Capital One Travel
  • No foreign transaction fees
  • Rewards never expire while the account is open
  • Redeem for any amount: check, statement credit or gift cards
Apply at Capital One

Applicants with less than excellent credit may be offered a version without the bonus or the 0% window.

Okay with waiting for the mail?

Two more 21-month windows, plastic only

Same 0% and no annual fee, but you’ll wait about a week for the physical card before you can use it.

Wells Fargo Reflect card

Wells Fargo Reflect

21 months at 0%$0 annual feeUse it today: No, about a week

Sign-up bonus: none. The 21-month window is the offer.

Benefits

  • Cell phone protection up to $600 per claim, $25 deductible, when you pay the bill with the card
  • 24/7 roadside dispatch, no membership needed
  • Zero liability on unauthorized charges
  • My Wells Fargo Deals: activate merchant cash-back offers
Apply at Wells Fargo

No digital card before the plastic arrives. Wells Fargo can rush the card for a small fee.

Bank of America BankAmericard card

Bank of America BankAmericard

21 billing cycles at 0%$0 annual feeUse it today: No, about a week

Sign-up bonus: none. The 21-cycle window is the offer.

Benefits

  • No penalty rate: a late payment won't raise your APR
  • $0 liability guarantee on fraudulent charges
  • Optional overdraft protection for a Bank of America checking account
  • Works in Apple Pay, Google Pay and Samsung Pay once the card arrives
Apply at Bank of America

No digital card as standard. Existing Bank of America checking customers applying in the app sometimes get one.

The fine print.Sol Connection LLC is not a bank, lender or credit card issuer, does not take applications, and receives no compensation from any issuer listed here. Each offer is published by the issuer and can change or end without notice; the terms, bonuses and benefits above were checked against the issuers’ own pages on October 15, 2026. Approval, credit limit, intro period, bonus eligibility and same-day card access are decided by the issuer, and every application is a hard credit inquiry. These are 0% intro APR cards, not deferred-interest promotions: interest only ever applies to what is still owed after the window. Balance transfer fees apply to transferred balances. Card images and card names are the trademarks of their issuers and are shown for identification only. Payment figures on this page are estimates, not quotes; your installed price is confirmed with you before any work is scheduled. A $97 non-refundable booking deposit is due at booking and goes toward your system. This page is general information, not financial advice.

Book your installation

Pick a time, we handle the rest

Choose a time that works for you. We confirm the price for your system and the details of your home with you first, then the installer comes out. A $97 non-refundable booking deposit reserves your place in the install schedule and goes toward your system.

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