0% APR on Balance Transfer & Purchase Credit Cards — 2015

One of the best deals available are interest free credit cards. No interest cards offer 0% on balance transfers, purchases, or both. With balance transfers, you can transfer one or more high interest credit card balances onto the interest free credit card and pay no interest during the introductory period. With zero interest on purchases, you can use the card for big purchases or everyday expenses, and pay no interest until the into period expires.

Until recently, there were several cards that offered no interest for up to 12 months. Now, some credit cards offer 0% for up to 15 months, and there are a few cards that extend the 0% offer for 18 months on balance transfers.

What follows are some of the best 0% balance transfer and 0% on purchase cards available today.

Featured 0% Credit Card

Citi SimplicityWhile there are several balance transfer cards with 0% for 18 months, the Citi Simplicity® Card offers 0% for 18 months on both balance transfers and purchases. It comes with no annual fee and a 3% balance transfer fee. Apply OnlineCiti Simplicy Detailed Review

Credit Card0% APR
Balance Transfers
0% APR
Purchases
Balance Transfer
Fee
Annual Fee
Discover it®18 months6 months3% of each balance transfer; $10 minimum$0
Chase Slate®15 months15 months$0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.$0
BankAmericard® Visa® Card15 billing cycles (for transfers made in the first 60 days of opening your account)15 billing cyclesEither $10 or 3% of the amount of each transaction, whichever is greater.$0
Citi Simplicity® Card18 months18 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
Citi® Diamond Preferred® Card18 months18 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
Chase Freedom®15 months15 months3% of amount, with minimum of $5$0
Citi® Double Cash Card15 months15 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points12 months12 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
Blue Cash Everyday® Card from American Express15 months15 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
The Amex EveryDaySM Credit Card from American Express15 months15 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0
Capital One® Platinum Prestige Credit Card15 months15 months3%$0
Barclaycard Arrival™ World MasterCard®12 months12 monthsEither $5 or 3% of the amount of each transfer, whichever is greater.$0