16 Best Interest-Free Credit Cards of January 2025 | 0% APR for up to 21 Months

ByRob Berger Last Updated:

Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.

Credit cards offering low interest can help reduce the amount you pay in interest. Many cards today offer a 0% introductory 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.

January 2025 Update on Interest-Free Credit Cards

We recently added the U.S. Bank Smartly™ Visa Signature® Card to our list due to its 0% intro APR for purchases and balance transfers. There’s no annual fee for the card, but you do need good credit for approval. According to the data we collected from online forums, it looks like someone with a credit score as low as 756 was approved.

Remember to 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% intro APR credit cards offer no interest on balance transfers, purchases or both.

U.S. Bank Smartly™ Visa Signature® Card – NEW

U.S. Bank Smartly™ Visa Signature® Card
Learn More

Our Rating: 4.8

★★★★★☆

U.S. Bank Smartly™ Visa Signature® Card

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

18.49% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn an unlimited 2% cash back on every purchase, plus earn up to an additional 2% cash back when paired with a U.S. Bank Savings account.

The U.S. Bank Smartly™ Visa Signature® Card offers 0% intro APR on both purchases and balance transfers for the first 12 months, then 18.49% to 28.74% variable APR. It’s not the longest 0% intro APR out there, but if you already bank at U.S. Bank and have at least $5,000 in a savings account, you can earn at least 2.5% cash back on every purchase and potentially as much as 4% cash back. One drawback to this card is its lack of a welcome offer. On the plus side, there is no annual fee.

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all purchases
2.5% cash back
All eligible purchases
Earn a 25% Smartly Earning Bonus: Earn 2.5% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance between $5,000 - $49,999 in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.
3% cash back
All eligible purchases
Earn a 50% Smartly Earning Bonus: Earn 3% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance between $50,000 - $99,999 in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.
4% cash back
All eligible purchases
Earn a 100% Smartly Earning Bonus: Earn 4% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance of $100,000 or more in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.

Pros

  • No annual fee
  • Up to 4% cash back

Cons

  • No welcome bonus
  • Foreign transaction fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved11/14/2024
813
TransUnion
$25,000
Approved11/14/2024
823
Experian
$25,000
Approved11/14/2024
841
Equifax
$25,000
Approved11/11/2024
800
Equifax
$15,000
Approved11/11/2024
756
Experian
$2,000
Approved11/11/2024
757
Equifax
$2,000
Approved11/11/2024
761
TransUnion
$2,000
Approved11/13/2024
771
TransUnion
$2,000
Approved11/11/2024
770
Experian
$15,000
Approved11/11/2024
789
TransUnion
$15,000
Approved11/11/2024
800
Equifax
$15,000
Approved11/14/2024
817
TransUnion
$15,000
Approved11/12/2024
800
Not Provided
$17,000
Approved11/14/2024
800
Not Provided
$15,000

Capital One Savor Cash Rewards Credit Card–Editor’s Pick

0% intro APR for 15 months + Cash Back + Welcome Offer

Capital One Savor Cash Rewards
Learn More

Our Rating: 4.5

★★★★★☆

Capital One Savor Cash Rewards Credit Card

Welcome Offer

$200 Cash Back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 8% cash back on Capital One Entertainment purchases. Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back at grocery stores excluding superstores like Walmart® and Target®, and on popular streaming services, dining, and entertainment. Earn 1% cash back on all other purchases.

The Capital One Savor Cash Rewards Credit Card offers elevated cash back on several everyday purchase categories including groceries, dining, and select streaming services. It’s also a great travel credit card earning elevated cash back on hotels, rental cars, and entertainment. There’s no annual fee and no foreign transaction fees.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back

Cons

  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023
768
TransUnion
$20,000
Approved04/12/2023
772
Experian
$20,000
Approved02/12/2023
657
TransUnion
$1,000
Approved08/10/2023
672
Not Provided
---
Approved08/10/2023
803
Experian
---
Denied06/16/2023
700
Not Provided
---
Denied10/25/2023
776
Not Provided
---
Denied10/25/2023
778
Not Provided
---
Denied03/08/2023
811
TransUnion
---
Denied03/26/2024
736
Experian
---
Denied06/17/2023
797
Not Provided
---
Denied08/05/2023
710
Not Provided
---
Denied12/02/2023
771
TransUnion
---
Denied12/02/2023
804
Experian
---

Citi Custom Cash® Card

Citi Custom Cash
Learn More

Our Rating: 4.7

★★★★★☆

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

$0

APR

18.24% – 28.24% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 5% cash back in your top eligible spend category each billing cycle up to the first $500 spent, then 1%. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel(SM) portal through 6/30/2026. Earn unlimited 1% cash back on other purchases.

The Citi Custom Cash® Card competes with other 5% cash back cards such as the Chase Freedom Unlimited® which offers 5% cash back on travel purchased through Chase Travel. 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% intro APR offer on both purchases and balance transfers for 15 months, then 18.24% - 28.24% variable APR. Fair to excellent credit is required to qualify for the card.

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
4% cash back
Select Categories
Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel(SM) portal through 6/30/2026.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved03/26/2024
741
TransUnion
$3,800
Approved03/26/2024
742
Experian
$3,800
Approved03/26/2024
751
Equifax
$3,800
Approved09/13/2023
800
Not Provided
$11,600
Approved01/17/2024
762
TransUnion
$6,800
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Approved05/10/2024
735
Equifax
$6,800
Approved07/09/2024
743
Experian
$6,900
Approved07/09/2024
751
TransUnion
$6,900
Approved07/09/2024
765
Equifax
$6,900
Denied05/12/2023
800
Not Provided
---
Denied05/19/2024
762
Not Provided
---

U.S. Bank Visa® Platinum Card

U.S. Bank Visa Platinum Card
Learn More

Our Rating: 3.5

★★★★☆☆

U.S. Bank Visa® Platinum Card

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

17.74% to 28.74% Variable

Credit Req’d

Good 670 – 739

Rewards: No rewards

The U.S. Bank Visa® Platinum Card currently offers 0% intro APR for 21 months on balance transfers and purchases then 17.74% to 28.74% variable APR. There is a balance transfer fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, but no annual fee.

Pros

  • No annual fee
  • Lengthy introductory 0% APR

Cons

  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/22/2021
800
Not Provided
$5,000
Approved01/31/2021
750
Not Provided
$1,100
Approved07/30/2021
740
Not Provided
$500
Denied05/18/2019
700
Not Provided
---

Citi® Diamond Preferred® Card

Citi Diamond Preferred
Learn More

Our Rating: 3.6

★★★★☆☆

Citi® Diamond Preferred® Card

Welcome Offer

0% Intro APR for 21 months on balance transfers

Est. Value

None

Annual Fee

$0

APR

17.24% – 27.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: None

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 months for balance transfers and 12 months for purchases, then 17.24% - 27.99% variable APR. 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.

Pros

  • No annual fee
  • 0% Intro APR

Cons

  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/15/2022
721
Not Provided
$7,600
Approved11/18/2022
763
Experian
$9,000
Approved11/18/2022
766
Experian
$9,000
Approved11/18/2022
787
Equifax
$9,000
Approved11/18/2022
802
Equifax
$9,000
Approved04/13/2023
777
TransUnion
$13,100
Approved04/13/2023
781
Experian
$13,100
Approved04/21/2023
676
Equifax
$1,000
Approved04/21/2023
709
Experian
$1,000
Approved04/21/2023
715
TransUnion
$1,000
Approved01/11/2023
720
Equifax
$8,900
Approved02/15/2023
734
Experian
$1,000

Citi Simplicity® Card 

Citi Simplicity Card
Learn More

Our Rating: 4.0

★★★★☆

Citi Simplicity® Card

Welcome Offer

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.

Est. Value

Annual Fee

$0

APR

18.24% – 28.99% Variable

Credit Req’d

Rewards: No rewards

The Citi Simplicity® Card offers both a decent 0% intro APR offer on purchases for the first 12 months and an even better 21 months on balance transfers, then 18.24% - 28.99% variable APR. 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.

Pros

  • No annual fee
  • Excellent 0% Intro APR

Cons

  • No welcome bonus
  • No rewards
App StatusDateCredit ScoreBureauCredit Limit
Approved12/28/2023
773
TransUnion
$9,000
Approved12/28/2023
797
Experian
$9,000
Approved12/28/2023
807
Equifax
$9,000
Approved11/08/2023
797
Equifax
$12,100
Approved11/08/2023
800
Experian
$12,100
Approved11/08/2023
818
TransUnion
$12,100
Approved08/02/2023
829
Experian
$12,700
Approved01/17/2023
709
Equifax
$4,000
Approved04/14/2023
676
Equifax
$5,000
Approved04/14/2023
709
Experian
$5,000
Approved04/14/2023
715
TransUnion
$5,000
Approved02/09/2023
734
Experian
$10,000
Denied01/13/2023
700
Not Provided
---

Chase Freedom Unlimited®

Chase Freedom Unlimited
Learn More

Our Rating: 4.9

★★★★★☆

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

19.49% – 28.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on all travel purchased through Chase TravelSM (after your first year or $20,000 spent). Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases. Earn 1.5% cash back on other purchases.

The Chase Freedom Unlimited® has a long 0% intro APR offer and excellent cash-back rewards. You can get 0% intro APR on balance transfers for 15 months and on purchases for 15 months, then 19.49% - 28.24% variable APR. There’s no annual fee, free access to your FICO score, and a welcome offer.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/23/2024
640
Not Provided
$300
Approved04/25/2024
801
Experian
$10,000
Approved06/13/2024
741
Not Provided
$6,000
Approved06/19/2024
667
Experian
$5,500
Approved06/19/2024
686
TransUnion
$5,500
Approved06/19/2024
687
Equifax
$5,500
Approved01/05/2024
689
Experian
$11,000
Approved01/05/2024
695
Equifax
$11,000
Approved01/05/2024
696
Equifax
$11,000
Approved01/05/2024
722
TransUnion
$11,000
Approved01/05/2024
732
TransUnion
$11,000
Approved01/05/2024
733
Experian
$11,000
Approved09/09/2024
749
TransUnion
$12,000
Approved09/09/2024
762
Experian
$12,000
Approved09/09/2024
770
Equifax
$12,000
Approved07/17/2024
708
Equifax
$5,600
Approved07/17/2024
709
Experian
$5,600
Approved07/17/2024
711
TransUnion
$5,600

Chase Slate Edge

Chase Slate Edge
Learn More

Our Rating: 4.3

★★★★★☆

Chase Slate Edge

Welcome Offer

Start off strong with 0% Intro APR for 18 months

Est. Value

None

Annual Fee

$0

APR

19.74%–28.49% Variable

Credit Req’d

Good 670 – 739

Rewards: No rewards

The Chase Slate Edge offers 0% intro APR on purchases and balances for the first 18 months, then 19.74%–28.49% variable APR. 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.

All information about Chase Slate Edge has been collected independently by allCards.com. Chase Slate Edge is no longer available through allCards.com.

Pros

  • No annual fee
  • 0% introductory APR

Cons

  • No welcome bonus
  • No rewards
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved07/04/2023
636
Experian
$500
Approved07/04/2023
660
TransUnion
$500
Approved07/24/2023
675
Not Provided
$500
Approved09/24/2023
770
Not Provided
$16,000

Citi® Double Cash Card

0% on balance transfers for 18 months + cash back

Citi Double Cash
Learn More

Our Rating: 4.9

★★★★★☆

Citi® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

18.24% – 28.24%, Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

I’ve carried the Citi® Double Cash Card for years. It’s been my everyday card and even put our children through college. The cash back rewards on two college education 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% intro APR for 18 months on balance transfers made within four months of account opening. After that, the variable APR is 18.24% - 28.24%,. Note that the 0% intro APR 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.

2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/21/2024
635
TransUnion
$3,500
Approved04/21/2024
670
Equifax
$3,500
Approved03/12/2024
726
Equifax
$3,800
Approved03/12/2024
731
Equifax
$3,800
Approved03/12/2024
745
Equifax
$3,800
Approved03/12/2024
765
Equifax
$3,800
Approved03/12/2024
800
Experian
$3,800
Approved03/12/2024
806
TransUnion
$3,800
Approved02/03/2024
780
Experian
$6,900
Approved02/03/2024
794
TransUnion
$6,900
Approved02/03/2024
813
Equifax
$6,900
Approved01/19/2024
840
Not Provided
$11,500
Approved01/11/2024
730
Not Provided
---
Approved05/22/2024
805
Experian
$6,800
Denied01/03/2024
800
Not Provided
---
Denied05/10/2024
793
Not Provided
---

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+ Visa Signature
Learn More

Our Rating: 4.8

★★★★★☆

U.S. Bank Cash+® Visa Signature® Card

Welcome Offer

$200 bonus

Est. Value

$200

Annual Fee

$0

APR

18.49% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on prepaid hotels, air travel, and car reservations booked in the Rewards Center. Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choice. Earn 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. Earn 1% cash back on other purchases.

The U.S. Bank Cash+® Visa Signature® Card comes with a 0% intro APR for 15 billing cycles on purchases and balance transfers, then 18.49% to 28.74% variable APR, and excellent cash back rewards. It’s also one of the few to come with a cash welcome offer.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
5% cash back
Rotating Categories
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back
Airfare
5% cash back on prepaid air booked directly in the Rewards Center
5% cash back
Hotels
5% cash back on prepaid hotels booked directly in the Rewards Center
5% cash back
Rental Cars
5% cash back on prepaid car reservations booked directly in the Rewards Center

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/01/2023
780
Not Provided
$10,000
Approved02/06/2023
778
Experian
$10,000
Approved02/06/2023
809
Equifax
$10,000
Approved02/06/2023
820
TransUnion
$10,000
Approved01/11/2024
797
Experian
$17,000
Approved09/21/2023
800
Experian
$500
Approved01/09/2023
809
Experian
$9,000
Approved10/21/2024
810
Not Provided
$10,000
Approved08/05/2023
749
Not Provided
$500
Approved08/05/2023
803
Not Provided
$500
Approved08/05/2023
808
Not Provided
$500
Approved08/05/2023
829
Not Provided
$500
Approved06/19/2023
663
TransUnion
$600
Approved04/24/2024
838
TransUnion
$20,000
Approved05/30/2023
744
Experian
$6,500
Approved05/30/2023
752
Equifax
$6,500
Approved05/30/2023
772
TransUnion
$6,500
Denied10/02/2023
791
Experian
---
Denied10/02/2023
811
Equifax
---

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred
Learn More

Our Rating: 4.5

★★★★★☆

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.24% – 29.24% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%. Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back at U.S. gas stations and 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 1% cash back on all other purchases. Terms Apply.

The Blue Cash Preferred® Card from American Express has a 0% intro APR offer on purchases and balance transfers for 12 months, then 18.24% - 29.24% variable APR. In addition, it has an annual fee after the first year. In return, however, you get excellent cash-back rewards. These include a welcome offer and up to 6% cash back (subject to spending caps as noted above). The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

Terms Apply.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000
Approved09/16/2024
805
Experian
$25,000

Blue Cash Everyday® Card from American Express

Learn More

Our Rating: 4.4

★★★★★☆

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Est. Value

$200

Annual Fee

$0

APR

18.24% – 29.24% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). Earn 1% cash back on other purchases. Terms Apply.

The Blue Cash Everyday® Card from American Express has a welcome offer and elevated rewards, plus you get 0% introductory APR for 15 months on purchases and 15 months on balance transfers, then 18.24% - 29.24% variable APR. There’s a $0 annual fee.

Terms Apply.

1% cash back
On all other eligible purchases
1% cash back on other purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Pros

  • Welcome offer
  • Up to 3% cash back
  • $0 annual fee

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/06/2024
687
Equifax
$1,000
Approved10/06/2024
692
TransUnion
$1,000
Approved10/06/2024
696
Experian
$1,000
Approved09/29/2024
760
Experian
---
Approved09/29/2024
774
TransUnion
---
Approved09/29/2024
780
Equifax
---

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Learn More

Our Rating: 4.5

★★★★★☆

Capital One Quicksilver Cash Rewards Credit Card

Welcome Offer

One-time $200 cash bonus

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 1.5% cash back on all eligible purchases and 5% cash back on hotels and car rentals booked through Capital One Travel.

The Capital One Quicksilver Cash Rewards Credit Card combines cash back rewards and a welcome offer with a solid 0% intro APR offer on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that. It made our list of one of the best 1.5% cash-back cards as well.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other eligible purchases
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
Earn 5% cash back on car rentals booked through Capital One Travel

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/15/2023
780
Not Provided
---
Approved01/15/2024
650
Not Provided
$2,000
Approved10/01/2023
700
Not Provided
$1,000
Denied04/01/2023
750
Not Provided
---
Denied06/30/2023
768
Not Provided
---

Wells Fargo Active Cash® Card

Wells Fargo Active Cash
Learn More

Our Rating: 4.9

★★★★★☆

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

19.24%, 24.24% or 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card offers an excellent welcome offer and unlimited 2% cash rewards on purchases. You can get 0% intro APR on purchases for 12 months from account opening and for 12 months from account opening on qualifying balance transfers, then 19.24%, 24.24% or 29.24% variable APR. There’s also no annual fee, and you get cell phone protection.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/18/2024
758
Equifax
$10,000
Approved09/18/2024
772
TransUnion
$10,000
Approved09/18/2024
780
Experian
$10,000
Approved09/21/2024
796
Experian
$30,000
Approved02/09/2024
723
Not Provided
$8,000

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
Learn More

Our Rating: 4.4

★★★★★☆

Capital One VentureOne Rewards Credit Card

Welcome Offer

20,000 Miles

Est. Value

Up to $350

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 1.25 miles per dollar on every purchase. Earn an unlimited 5x points per dollar on hotels and rental cars booked through Capital One Travel.

The Capital One VentureOne Rewards Credit Card is an entry-level travel rewards card with no annual fee. There’s a nice welcome offer, plus 0% intro APR on purchases and balance transfers for the first 15 months, then 19.24% - 29.24% variable APR. There are no foreign transaction fees, so the card travels well internationally.

1.25x miles
All eligible purchases
1.25 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels booked through Capital One Travel
5x miles
Rental Cars
5 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5x points

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/28/2022
640
Experian
$2,000
Approved08/04/2021
780
Not Provided
$3,000

BankAmericard® Credit Card 

BankofAmericard
Learn More

Our Rating: 3.6

★★★★☆☆

BankAmericard® Credit Card

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

15.49% – 25.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: No rewards

The BankAmericard® Credit Card has no rewards and no welcome offer. What it does have is 0% intro APR on purchases and balance transfers for 18 months (balance transfers must be made within the first 60 days), then 15.49% - 25.49% variable APR. If you need to pay off higher-interest debt or make a major purchase, this card could work for you.

Pros

  • No annual fee
  • 0% intro APR

Cons

  • No rewards
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/09/2023
767
Experian
$25,000
Approved05/09/2023
782
TransUnion
$25,000
Approved05/09/2023
796
Equifax
$25,000
Approved05/06/2024
766
Not Provided
$6,000
Approved03/15/2023
750
Not Provided
$13,000
Approved05/10/2024
799
Experian
$9,100
Approved09/06/2023
763
TransUnion
$5,000
Approved09/06/2023
770
Experian
$5,000
Approved09/06/2023
775
Equifax
$5,000

How to Choose a No-Interest Credit Card

What will you use the card for? No-interest cards offer a 0% intro 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% intro APR for purchases ends before the balance transfer intro period.

What are the perks? Does the card offer a welcome offer 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% intro 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)

What is an interest-free credit card?

An interest-free credit card, also known as a 0% intro 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% intro APR typically lasts for at least 9 months, and many offers last for 12, 15, 18, or even 21 months.

What does 0% intro APR mean?

A 0% intro 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% intro APR indefinitely. A 0% intro APR is always part of an introductory period, usually lasting for 12 months or more. Once the 0% intro APR period expires, any outstanding balances on the credit card will start to incur interest charges.

What’s the longest 0% intro APR offer available today?

It’s currently 21 months.

What credit score do you need to get a 0% intro 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.

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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