14 Best Interest-Free Credit Cards of December 2023 | 0% APR for up to 21 Months

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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.

December 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 recently added 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.

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 Citi Custom Cash® Card competes with other 5% cash back cards such as the Chase Freedom Unlimited. The big difference is that Custom Cash doesn't have rotating categories. Instead, you can earn 5% cash back each month on up to $500 in purchases in one of several categories.

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. Fair 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 19.24% - 29.24%, based on your creditworthiness.
• Balance transfer fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
• Signup Bonus: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
• Annual Fee: $0

Approval Odds*

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card currently offers 0% interest for 21 and purchases. There is a balance transfer fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, but no annual fee.

• 0% Intro APR: 0% Intro APR for 21 and purchases. After that, a variable APR currently 18.74% - 29.74%.
• Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
• Signup Bonus: For a limited time, get our best rate: 0% intro APR* on purchases and balance transfers† for 21 billing cycles. After that, the APR is variable, currently 18.74% - 29.74%.
• Annual Fee: $0

Approval Odds*

Citi^® Diamond Preferred^® Card

The Citi^® Diamond Preferred^® Card is known for one thing, a long 0% intro APR offer. It currently gives new cardholders a 0% intro APR for 21 and 12 months on purchases. It's one of the longest available today from any credit card. It charges no annual fee. The downside to this card is that it offers no rewards.

• 0% Intro APR: 21 and 0% Intro APR for 12 months on purchases. After that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• Balance transfer fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
• Signup Bonus: N/A
• Annual Fee: $0

Approval Odds*

Citi Simplicity^® Card 

Citi Simplicity^® Card offers both a decent 0% rate for the first 12 months on Purchases and an even better intro APR for 21 months on Balance Transferss. You won't get any rewards, but this is a great card if you want to make a big purchase or transfer higher-rate debt.

• 0% Intro APR: Get 0% for 12 months on Purchases and 0% intro APR for 21 months on Balance Transferss.
• Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)
• Signup Bonus: N/A
• Annual Fee: $0

Approval Odds*

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is designed for those looking for a long 0% APR offer on purchases and excellent cash-back rewards. In addition, Chase recently added 0% balance transfers to the card. There's no annual fee, free access to your FICO score, and a signup bonus.

• 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 20.49% - 29.24%.
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Signup Bonus: SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
• Annual Fee: $0

Approval Odds*

Chase Slate Edge℠

Chase Slate Edge℠ offers 0% interest on purchases and balances for the first 18 months. What sets the card apart is that you can qualify to reduce your interest rate by 2% a year, until you reach 9.74% + the prime rate. To qualify to reduce your rate, you'll need to pay your bills on time and put at least $1,000 on your card. You can also qualify for a credit limit increase after six months when you use the card responsibly and spend at least $500 on the card in the first six months.

• 0% Intro APR: Get 0% APR on purchases and balance transfers for the first 18 months. After that, the variable rate is 20.49% - 29.24% based on creditworthiness.
• Balance Transfer Fee:  Either $5 or 5% of the amount of each transfer, whichever is greater.
• Signup Bonus: None
• Annual Fee: $0

Approval Odds*

Citi^® Double Cash Card - 18 month BT offer

0% on balance transfers for 18 months + cash back

I've carried the Citi^® Double Cash Card - 18 month BT offer for years. It's been my everyday card and even put our children through college. The cash-back rewards on two college tuitions were amazing.

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 19.24% - 29.24%. 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 19.24% - 29.24%, based on your creditworthiness.
• Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
• Signup Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
• Annual Fee: $0

Approval Odds*

U.S. Bank Cash+® Visa Signature® Card

The U.S. Bank Cash+® Visa Signature® Card comes with a 0% APR for and excellent cash back rewards. It's also one of the few to come with a cash signup bonus.

• 0% Intro APR: The card offers a 0% intro APR for the first 15 billing cycles on balance transfers and for the first 15 billing cycles on purchases. After that, a variable APR currently 19.49% - 29.74%.
• Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
• Signup Bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
• Annual Fee: $0

Approval Odds*

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express doesn't have the longest 0% intro APR on our list. In addition, it charges an annual fee after the first year. In return, however, you get excellent cash-back rewards. These include a welcome bonus and up to 6% cash back (subject to spending caps as noted below).

• 0% Intro APR: 0% intro APR on purchases for 12 months and for balance transfers for 12 months from the date of account opening, then a variable rate, 19.24% - 29.99%.
• 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*

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express comes with a 0% intro APR offer. In addition to the cashback and bonus cash rewards, you'll get a 0% introductory rate for 15 months on purchases and on balance transfers. There's a $0 annual fee. Here are the details:

• 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, 19.24% - 29.99% variable APR.
• Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
• Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Annual Fee: $0

Approval Odds*

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card combines cash back and an early spend bonus with a solid 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that. It made our list of one of the best 1.5% cash-back cards as well.

• 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 19.99% - 29.99%.
• Balance transfer fee: 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
• Signup Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
• Annual Fee: $0

Approval Odds*

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card offers an excellent signup bonus and unlimited 2% cash rewards on purchases. There's also no annual fee, and you get cell phone protection.

• 0% Intro APR: The card offers a 0% intro APR for 15 months from account opening on qualifying balance transfers and on purchases for 15 months from account opening, after that the variable APR will be 20.24%, 25.24% or 29.99%.
• Balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
• Signup Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Annual Fee: $0

Approval Odds*

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a travel rewards card with a signup bonus, rewards, and no annual fee.

• 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 19.99% - 29.99%.
• Balance transfer fee: 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
• Signup Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
• Annual Fee: $0

Approval Odds*

BankAmericard® Credit Card 

BankAmericard® Credit Card offers a decently long 0% APR: 18 billing cycles on purchases and on transfers made in the first 60 days. You can access your FICO score for free, so you can see how paying down your debt is affecting your credit rating. You won't earn any rewards, but there's no annual fee.

• 0% APR: Get 0% APR on purchases for the first 18 months. You also get 0% APR on balance transfers for 18 months, as long as the transfer takes place in the first 60 days.
• Balance Transfer Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
• Signup Bonus: None
• Annual Fee: $0

Approval Odds

Complete List of 0% Credit Cards

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 allow 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.

Frequently Asked Questions (FAQ)

*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.