List of Interest Free Credit Cards


Editor's Pick

Discover it®

Apply for the Discover it®
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Looking out for you. Because we monitor every Discover card purchase, every day. If something looks suspicious, we alert you by e-mail, phone or text. And you’re never responsible for any unauthorized purchases on your Discover card account. Period.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

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 is actually an interest free credit card for 18 months. Offered by Citi, it is our Editor’s pick as noted above.

Below you’ll see more top picks, followed by an exhaustive list of other interest free cards. Many of the cards come with other benefits, such as cash back rewards, travel points, or even zero percent balance transfer offers.

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0* Excellent
720 Average credit score approved for this card † 644 Lowest credit score approved for this card †

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers
Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers
Apply Now...
at Barclaycard's
secure site
  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 8.00%* Variable $0 Excellent
730 Average credit score approved for this card † 681 Lowest credit score approved for this card †

Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
Apply Now...
at CitiBank's
secure site
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0* Excellent
712 Average credit score approved for this card † 656 Lowest credit score approved for this card †

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 12.99% – 21.99%* Variable 18 Months* 12.99% – 21.99%* Variable $0* Excellent
701 Average credit score approved for this card † 652 Lowest credit score approved for this card †

Upromise World MasterCard®
Upromise World MasterCard®
Apply Now...
at Barclaycard's
secure site
  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • No annual fee
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 12.99% or 20.99%* Variable $0 Excellent
0 Average credit score approved for this card † 0 Lowest credit score approved for this card †

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0* Excellent
727 Average credit score approved for this card † 672 Lowest credit score approved for this card †

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Looking out for you. Because we monitor every Discover card purchase, every day. If something looks suspicious, we alert you by e-mail, phone or text. And you’re never responsible for any unauthorized purchases on your Discover card account. Period.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0 Excellent
731 Average credit score approved for this card † 687 Lowest credit score approved for this card †

Priceline Rewards™ Visa® Credit Card
Priceline Rewards™ Visa® Credit Card
Apply Now...
at Barclaycard's
secure site
  • No Annual Fee
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else. And there’s no limit to the number of points you can earn!
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • Please see terms and conditions for complete details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 14.99% or 21.99%* Variable $0 Excellent
732 Average credit score approved for this card † 655 Lowest credit score approved for this card †