One of the best deals available are interest free credit cards of 2017. 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 intro 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 or even 21 months on balance transfers and purchases.
What follows are some of the best 0% balance transfer and 0% on purchase cards available today.
Featured 0% Credit Card
The Barclaycard Ring™ MasterCard®
Barclaycard Ring™ MasterCard® (Editor’s Pick) – One of the best deals available comes from Barclaycard. The Barclaycard Ring™ MasterCard® offers a 0% APR introductory rate for 15 months on transfers made in the first 45 days of account opening. What makes this offer our Editor’s Pick is that it comes with no balance transfer fees! This means that any balance transferred will not incur the standard 3% balance transfer fee. There is no annual fee to own the Barclaycard Ring™ MasterCard® and it also includes a monthly free FICO credit score.
- NO Balance transfer fee (on transfers made in the first 45 days)
- 0% intro APR on purchases and balance transfers for 15 months
- Low 13.99% variable ongoing APR
- Free FICO credit score every month
Discover it®
Discover it® – New cardholders open up by earning a 0% intro APR on balance transfers for 18 months (and 0% intro APR on purchases for six months). There is a 3% balance transfer fee attached to all balance transfers and when the intro APR expires, the standard APR becomes 11.49% – 23.49% variable. Outside of balance transfers, the Discover it® – 18 Month Balance Transfer Offer includes a robust rewards program; 5% cash back on select categories each year and 1% cash back on all other purchases.
Giving this card even more juice, all cardholders will get a dollar for dollar match on cashback earned during the first full year. Earn $200 in cash back, get another $200 in cash back on your first year anniversary. There is no annual fee to own the Discover it® – 18 Month Balance Transfer Offer and the credit required for approval is good/excellent.
- 0% intro APR on balance transfers for 18 months / on purchases for six months
- 5% cash back on select category purchases / 1% cash back on all other purchases
- DOUBLE cash back for the first full year of card membership
Chase Slate®
Chase Slate® – Very similar to the top card on our list, the Chase Slate® offers new cardmembers a 0% intro APR on balance transfers for the first 15 months with NO balance transfer fee. The balance transfer must be made within the first 60 days and the ongoing APR is 15.49% – 24.24% variable. There is no annual fee to own the Chase Slate® and a monthly free FICO credit score is included.
- 0% intro APR on balance transfers for 15 months (on balances transferred in the first 60 days)
- NO balance transfer fee
- Free FICO credit score every month
Citi Simplicty® Card
Citi Simplicity® Card – The card with the longest 0% intro interest rate, the Citi Simplicty® Card kicks off by offering a 0% into APR on purchases and balance transfers for a full 21 months. After the intro period expires, the ongoing APR becomes 14.24% – 24.24% variable. There is a 3% balance transfer fee charged to all balance transfers made and there is no annual fee to own the Citi Simplicity® Card.
- 0% intro APR on purchases and balance transfers for the first 21 months
- No late payment fee or over-limit fee
- Standard purchase and balance transfer APR of 14.24% – 24.24% variable
BankAmericard® Credit Card
BankAmericard® Credit Card – The BankAmericard® Credit Card gives new cardholders a 0% intro APR on balance transfers for the first 18 months. After the intro period expires, the APR becomes 11.49% – 21.49% variable depending on the applicant’s credit history. A 3% balance transfer fee applies. There is no annual fee to own the BankAmericard® Credit Card but also, no ongoing rewards program.
- 0% intro APR on balance transfers for 18 months
- Standard purchase and balance transfer APR of 11.49% – 21.49% variable
Wells Fargo Platinum Visa® Credit Card
Wells Fargo Platinum Visa® Credit Card – The Wells Fargo Platinum Visa® Credit Card provides a 0% intro APR on both purchases and balance transfers for 15 months, then a 15.90% – 25.74% variable applies. A 3% balance transfer fee is charged and the Wells Fargo Platinum Visa® Credit Card has a unique added benefit. Up to $600 protection on cardholders cell phone is included ($25 deductible) when they use this card to pay their cellular telephone bill. There is no annual fee.
- 0% intro APR on purchases and balance transfers for 15 months
- Up to $600 ($25 deductible) on cardholders cell phone
- Standard purchase and balance transfer APR of 15.90% – 25.74% variable