Credit cards offering low interest can help reduce the amount you pay in interest. Many cards today offer a 0% APR (no-interest credit card) for a year or more. Here we list the best interest-free credit cards for both balance transfers and purchases, which we update monthly.
- March 2023 Update on Interest-Free Credit Cards
- Best No-Interest Credit Cards
- Citi Custom Cash Card–Editor's Pick
- U.S. Bank Visa® Platinum Card
- Citi® Diamond Preferred® Card
- Citi Simplicity® Card
- Chase Freedom Unlimited®
- Citi® Double Cash Card - 18 month BT offer
- U.S. Bank Cash+ Visa Signature Card
- Blue Cash Preferred® Card from American Express
- Blue Cash Everyday® Card from American Express
- Capital One Quicksilver Cash Rewards Credit Card
- Wells Fargo Active Cash Card
- Capital One VentureOne Rewards Credit Card
- BankAmericard® Credit Card
- How to Choose a No-Interest Credit Card
- 0% APR Credit Cards FAQs
March 2023 Update on Interest-Free Credit Cards
The landscape for credit cards that offer an interest-free introductory period remained stable last month. There were no major changes to 0% APR intro periods. We did add the Citi Simplicity® Card to our list due to its long 0% APR for balance transfers. There's no annual fee for the card, and according to the data we collected from online forums, it looks like someone with a credit score as low as 650 was approved for the card.
Union Bank has joined U.S. Bank and is no longer accepting applications for the Union Bank Platinum card.
We have seen the regular APR on most cards rise. So far, however, the rising rates haven't affected the no-interest intro offers. Finally, always have a plan for your debt when the promotional rate ends. As the CFPB warns, you can end up paying a lot of interest once the 0% intro APR expires.
Best No-Interest Credit Cards
The following 0% APR credit cards offer no interest on balance transfers, purchases or both.
Citi Custom Cash Card–Editor's Pick
0% for 15 months + Cash Back + Signup Bonus

The big deal is that you don't have to pick the category in advance. Citi simply applies the 5% cash back to the eligible category in which you've spent the most each month. The result is a 5% cash back card without the hassle of signing up every quarter or the limitation of just one or two categories qualifying each quarter.
All other purchases earn 1% cash back. There is no annual fee and a 0% APR on both purchases and balance transfers. Good to excellent credit is required to qualify for the card.
- 0% Intro APR: The card offers a 0% intro APR on balance transfers for 15 months and on purchases for 15 months, after that the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater.
- Signup Bonus: $200 after spending $1,500 in the first 6 months
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 12/30/2022 | Experian | ||
Approved | 02/06/2023 | Experian | ||
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 08/05/2022 | Equifax | ||
Approved | 11/27/2022 | Not Provided | ||
Approved | 06/12/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 06/27/2022 | Experian | ||
Approved | 01/17/2023 | TransUnion | ||
Approved | 06/14/2021 | Experian | ||
Approved | 06/13/2021 | Experian | ||
Approved | 07/16/2022 | Equifax | ||
Denied | 08/24/2022 | Equifax | ||
Denied | 06/10/2021 | Equifax |
U.S. Bank Visa® Platinum Card

- 0% Intro APR: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%.
- Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due.
- Signup Bonus: None
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/22/2021 | Not Provided | ||
Approved | 01/31/2021 | Not Provided | ||
Approved | 07/30/2021 | Not Provided | ||
Denied | 05/18/2019 | Not Provided |
Citi® Diamond Preferred® Card

- 0% Intro APR: 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- Balance transfer fee: $5 or 5% of the amount of the transfer, whichever is greater
- Signup Bonus: None
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/09/2018 | Equifax | ||
Approved | 10/15/2022 | Not Provided | ||
Approved | 01/09/2017 | Equifax | ||
Approved | 11/18/2022 | Not Provided | ||
Approved | 05/20/2018 | Not Provided | ||
Approved | 01/11/2023 | Equifax | ||
Approved | 02/15/2023 | Experian | ||
Approved | 07/01/2020 | Equifax | ||
Denied | 04/04/2021 | Equifax |
Citi Simplicity® Card

- 0% Intro APR: Get 0% on purchases for 12 months and 0% on balance transfers for 21 months.
- Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater for the first four months of account opening, after that balance transfer fee of $5 or 5% after first four.
- Signup Bonus: None
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/31/2018 | Equifax | ||
Approved | 12/31/2018 | Experian | ||
Approved | 12/31/2018 | TransUnion | ||
Approved | 01/17/2023 | Equifax | ||
Approved | 01/27/2019 | Experian | ||
Approved | 01/27/2019 | TransUnion | ||
Approved | 01/27/2019 | Equifax | ||
Approved | 11/07/2021 | Equifax | ||
Approved | 12/11/2022 | TransUnion | ||
Approved | 02/09/2023 | Experian |
Chase Freedom Unlimited®

- 0% Intro APR: The card offers a 0% intro APR on balance transfers for 15 months and on purchases for 15 months, after that the variable APR will be 19.49% - 28.24%.
- Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Signup Bonus: Earn an extra 1.5% cash back the first year on all purchases up to $20,000 in spending (up to a $200 value).
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/04/2022 | TransUnion | ||
Approved | 03/04/2022 | Experian | ||
Approved | 02/16/2022 | Experian | ||
Approved | 02/16/2022 | TransUnion | ||
Approved | 02/16/2022 | Equifax | ||
Approved | 03/02/2022 | TransUnion | ||
Approved | 06/07/2021 | Experian | ||
Approved | 08/01/2021 | Equifax | ||
Approved | 08/01/2021 | Experian | ||
Approved | 08/01/2021 | TransUnion | ||
Denied | 09/16/2019 | Equifax | ||
Denied | 09/16/2019 | TransUnion | ||
Denied | 06/13/2019 | Experian | ||
Denied | 06/13/2019 | TransUnion |
Citi® Double Cash Card - 18 month BT offer
0% on balance transfers for 18 months + cash back

It pays 2% cash back on all purchases–1% when you buy and 1% as you pay your credit card bill. Pay in full every month as we do, and you earn the 2% right away.
As for its no interest offer, you get a 0% APR for 18 months on balance transfers made within four months of account opening. After that, the variable APR will be 18.49% - 28.49%. Note that the 0% offer does not apply to purchases. There is no annual fee for this card.
It's one of the highest rated cards on the site.
- 0% Intro APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance transfer fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Signup Bonus: None
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/15/2020 | Equifax | ||
Approved | 05/12/2021 | Equifax | ||
Approved | 07/25/2022 | Not Provided | ||
Approved | 08/26/2022 | Equifax | ||
Approved | 04/26/2020 | Equifax | ||
Denied | 09/02/2014 | Experian | ||
Denied | 06/16/2017 | Experian | ||
Denied | 09/06/2020 | Equifax | ||
Denied | 06/13/2021 | Equifax | ||
Denied | 04/06/2016 | Equifax | ||
Denied | 09/17/2015 | Experian |
U.S. Bank Cash+ Visa Signature Card

- 0% Intro APR: The card offers a 0% intro APR on balance transfers for the first 15 billing cycles and on purchases for the first 15 billing cycles. After that, a variable APR currently 18.99% - 28.99%.
- Balance transfer fee: 3% of each transfer amount, $5 minimum
- Signup Bonus: $200 after spending $1,000 in the first 120 days
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/03/2020 | TransUnion | ||
Approved | 08/18/2017 | Experian | ||
Approved | 10/24/2022 | TransUnion | ||
Approved | 06/06/2019 | Experian | ||
Approved | 06/19/2023 | TransUnion | ||
Approved | 07/16/2018 | TransUnion | ||
Approved | 04/02/2020 | TransUnion | ||
Denied | 07/19/2021 | Experian |
Blue Cash Preferred® Card from American Express

- 0% Intro APR: 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.74% - 29.74%.
- Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Annual Fee: $0 intro annual fee for the first year, then $95
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/17/2021 | Experian | ||
Approved | 04/09/2022 | Experian | ||
Approved | 04/09/2022 | TransUnion | ||
Approved | 12/17/2021 | Experian | ||
Approved | 12/17/2021 | TransUnion | ||
Approved | 03/20/2022 | Experian | ||
Approved | 07/21/2021 | Experian |
Blue Cash Everyday® Card from American Express

- 0% Intro APR: Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% - 29.74% variable variable APR.
- Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Welcome Bonus: Earn up to $250 – Here's How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $200 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 09/07/2022 | Equifax | ||
Approved | 01/05/2020 | Not Provided | ||
Approved | 07/26/2022 | Experian | ||
Approved | 02/13/2020 | Equifax | ||
Approved | 02/13/2020 | TransUnion | ||
Approved | 12/02/2019 | TransUnion | ||
Approved | 12/02/2019 | Equifax | ||
Approved | 11/26/2021 | Not Provided | ||
Approved | 09/07/2022 | Experian | ||
Approved | 09/07/2022 | TransUnion | ||
Approved | 02/09/2022 | Experian |
Capital One Quicksilver Cash Rewards Credit Card

- 0% Intro APR: The card offers a 0% intro APR on balance transfers for 15 months and on purchases for 15 months, after that the variable APR will be 19.24% - 29.24%.
- Balance transfer fee: 3% fee on the amounts transferred within the first 15 months
- Signup Bonus: $200 after spending $500 in the first 3 months of account opening
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/08/2021 | Equifax | ||
Approved | 07/08/2021 | Experian | ||
Approved | 07/08/2021 | TransUnion | ||
Approved | 10/05/2021 | Not Provided | ||
Approved | 07/01/2021 | Experian | ||
Approved | 06/01/2021 | TransUnion | ||
Approved | 06/01/2021 | Equifax | ||
Approved | 10/05/2021 | TransUnion |
Wells Fargo Active Cash Card

- 0% Intro APR: The card offers a 0% intro APR on balance transfers for 15 months and on purchases for 15 months, after that the variable APR will be 19.24%, 24.24%, or 29.24%.
- Balance transfer fee: $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
- Signup Bonus: $200 after spending $1000 in the first 3 months of account opening
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/19/2022 | Equifax | ||
Approved | 09/04/2022 | Experian | ||
Approved | 10/12/2022 | Equifax | ||
Approved | 10/12/2022 | TransUnion | ||
Approved | 10/12/2022 | Experian | ||
Approved | 07/01/2021 | Experian | ||
Approved | 07/01/2021 | Experian |
Capital One VentureOne Rewards Credit Card

- 0% Intro APR: The card offers a 0% intro APR on balance transfers for 18 months and on purchases for 18 months, after that the variable APR will be 19.24% - 29.24%.
- Balance transfer fee: 3% fee on the amounts transferred within the first 15 months
- Signup Bonus: 40,000 bonus miles after spending $1000 in the first 3 months of account opening
- Annual Fee: $0
Approval Odds*
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/29/2021 | Equifax | ||
Approved | 10/29/2021 | Experian | ||
Approved | 10/29/2021 | TransUnion | ||
Approved | 04/05/2018 | Experian | ||
Approved | 04/05/2018 | TransUnion | ||
Approved | 04/05/2018 | Equifax | ||
Approved | 09/17/2017 | TransUnion | ||
Approved | 03/05/2018 | TransUnion | ||
Approved | 03/05/2018 | Experian | ||
Approved | 06/05/2015 | Experian | ||
Approved | 06/08/2015 | Equifax | ||
Approved | 06/08/2015 | TransUnion | ||
Approved | 06/08/2015 | Experian | ||
Denied | 05/04/2016 | Equifax | ||
Denied | 05/04/2016 | TransUnion | ||
Denied | 05/04/2016 | Experian |
BankAmericard® Credit Card

- 0% APR: Get 0% APR on purchases for the first 21 months. You also get 0% APR on balance transfers for 21 months, as long as the transfer takes place in the first 60 days.
- Balance Transfer Fee: 3% of each transaction (minimum $10)
- Annual Fee: $0
Approval Odds
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/14/2022 | Experian | ||
Approved | 03/29/2022 | Experian | ||
Denied | 04/25/2022 | TransUnion | ||
Denied | 04/25/2022 | Equifax |
How to Choose a No-Interest Credit Card
What will you use the card for? No interest cards offer a 0% APR 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. This helps you pay down your debt faster.
If your goal is to make a big purchase instead of paying off debt, you'll want to pay attention to the introductory period on purchases. Sometimes, 0% APR for purchases ends before the balance transfer intro period.
What are the perks? Does the card offer a signup bonus or cash back rewards? Also pay attention to the cash back rewards details. While one credit card might boast a 5% cash back, it's likely limited to certain purchases, like gas or groceries so you'll have to use your card for those spending categories to get 5% cash back. Plus, the categories usually change a few times a year and it can be a hassle to keep up with the rotating categories.
A card offering 1.5% or 2% cash back on all purchases might be a better fit for you. One last note regarding cash back, check if there is a limit to how much cash back you can get. Some cards offer unlimited cash back while others have a spending cap.
Does the card have an annual fee? This doesn't have to be a deal-breaker. If you do the math, sometimes the fee is worth paying if the cash back savings allows you to earn your money back and more.
Is there a balance transfer fee? If there is a fee, it's usually 3% of the balance you'll be transferring. Remember, that 3% is still way better than paying the 15% or 20% APR you may be currently paying on your credit card balance every month.
What is the APR after the promotional period ends? The 0% APR won't last forever so you want to make sure you pay off your credit card balance before the promotional period ends, otherwise, you'll be back where you started, paying a high APR on whatever balance is left. Some credit cards offer 0% for up to 15 months, and there are a few cards that extend the 0% offer for 18 months or even 21 months on balance transfers and purchases.
0% APR Credit Cards FAQs
What is an interest free credit card?
An interest free credit card, also known as a 0% APR card, doesn't charge interest for a period of time. The no-interest offer can apply to purchases, balance transfers, or both. The 0% APR typically lasts for at least 9 months, and many offers last for 12, 15, or 18 months.
What does 0% APR mean?
A 0% APR means that the credit card doesn't charge interest on any balance you may owe. Keep in mind, however, that no credit card offers a 0% APR indefinitely. A 0% APR is always part of an introductory period, usually lasting for 12 months or more. Once the 0% APR period expires, any outstanding balances on the credit card will start to incur interest charges.
What's the longest 0% APR offer available today?
It's currently 21 months.
What credit score do you need to get a 0% APR credit card?
The credit score you need to get an interest-free credit card varies from card to card. Generally speaking, however, you should aim for a score of at least 680.
*The credit score data provided for some of the cards listed above came from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.