Credit cards offering low interest can help reduce the amount you pay in interest. Many cards today even offer a 0% APR (no interest credit card) for a year or more. Here we list 0% APR credit cards and low-interest credit cards, which we update monthly.
One of the best deals available is interest-free credit cards. 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.
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.
In this article, we list some of the best no interest credit cards available today.
No Interest Credit Cards
The following 0% APR credit cards offer no interest on balance transfers, purchases or both.
U.S. Bank Visa® Platinum Card
The U.S. Bank Visa® Platinum Card leads the pack among 0% balance transfer cards. It currently offers 0% interest on both purchases and balance transfers for 20 billing cycles. 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 on purchases and balance transfers for 20 billing cycles. After that, a variable APR
- No Annual Fee*
- Choose your own payment due date that fits your schedule.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Wells Fargo Platinum Card
The is one of few cards that comes with a 0% APR on balance transfers and purchases for 18. It comes with few other rewards, but is ideal for those looking to transfer a high-interest credit card balance.
- 0% Intro APR for 18 months on purchases and qualifying balance transfers (fees apply) on transfers made within 120 days qualify for the intro rates and fees
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your card
- Easy access to your FICO® Credit Score
- Zero Liability protection for promptly reported unauthorized transactions
- $0 Annual Fee
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. There’s no annual fee, free access to your FICO score, and a signup bonus.
- Welcome Bonus: Earn $200 bonus after spending $500 within your first 3 months.
- Earn 5% cash back on travel purchased through Chase Ultimate Rewards
- Earn 3% cash back at restaurants, including takeout and eligible delivery services
- Earn 3% cash back at drugstores
- Earn unlimited 1.5% cash back on all purchases
- Intro APR: 0% for 15 months from account opening on purchases
- Free credit score, updated weekly with Credit Journey
- No annual fee
Bonus: There are cards that offer 0% on balance transfers and purchases for up to 20 months.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express doesn’t have the longest 0% APR on our list. In addition, it charges an annual fee. In return, however, you get excellent cashback rewards. These include a welcome bonus and up to 6% cashback (subject to spending caps as noted below).
- Limited Time Offer: $150 statement credit after you spend $3,000 on purchases with the card in the first 6 months.
- Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
- Earn Cash Back: 6% at U.S. supermarkets up to $6,000 per year in purchases (then 1%), and 6% Cash Back on select U.S. streaming subscriptions including Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, Amazon Music or Video (Does not include Prime membership).
- Earn 3% at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 1% on all other purchases. Terms and limitations apply.
- Annual Fee: $0 introductory annual fee for the first year, then $95
- 0% APR on purchases for 12 months, then an ongoing APR of 13.99% - 23.99% Variable].
- Terms Apply. (See Rates & Fees)
Blue Cash Everyday Card from American Express
The Blue Cash Everyday Card from American Express comes with a 15 month 0% offer. In addition to the cash back and bonus cash rewards, you’ll get a 0% introductory rate for 15 months on purchases. There is no annual fee. Here are the details:
- Welcome Offer: Earn $100 statement credit after you spend $2,000 on purchases with the card in the first 6 months.
- Earn 20% back on Amazon.com purchases on the card in the first 6 months of Card membership, up to $150 back.
- Cash Back Rewards–
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
- 2% cash back at U.S. gas stations and at select U.S. department stores; and
- 1% back on other purchases.
- Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Intro APR: 0% for 15 months on purchases, then 13.99% - 23.99% Variable
- No annual fee.
- Terms Apply. (See Rates & Fees)
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card has one of the shortest 0% APRs on our list. We include it, however, because of its excellent cashback rewards, including signup bonus. And although it charges an annual fee, it’s waived the first year.
- Early Spend Bonus: Earn $300 cash bonus after you spend $3,000 on purchases within the first 3 months
- 4% Cash Back: Earn 4% cash back on dining and entertainment
- 2% Cash Back: Earn 2% on groceries
- 1% Cash Back: Earn 1% on all other purchases
- Intro APR: 0% intro APR on purchases and balance transfers for 9 months
- $
- No foreign transaction fees
Wells Fargo Cash Wise Visa® Card
The Wells Fargo Cash Wise Visa® Card makes the top of our list due to a combination of 0% APR, great cash back rewards, and its signup bonus. It’s a combo that’s hard to beat, particularly when you add the fact that there is no annual fee.
- Welcome Offer: Earn $150 bonus cash after spending $500 within your first 3 months.
- Cash Back: Earn 1.5% cash rewards on every purchase
- Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
- Intro APR: 0% Intro APR for 15 on purchases and qualifying balance transfers
- $0 Annual Fee
Citi Custom Cash Card
A brand new card from Citi, 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. Good to excellent credit is required to qualify for the card.
- Cash Back Rewards: Up to 5% cash back with no rotating categories
- Signup Bonus: 20,000 bonus points (worth $200) once you spend $750 within the first 3 months of account activation
- Intro APR: 0% APR on balance transfers and purchases for 15 months
- Annual Fee: $0
Pros & Cons
- Sign-up bonus
- 5% cash back
- Unlimited 1% cash back on all other purchases
- $0 annual fee
- 0% Intro APR for first 15 months
- Earning cap every billing cycle on 5% cash back ($500)
- Foreign transaction fee
Citi Diamond Preferred Card
The Citi Diamond Preferred Card is known for one thing, a long 0% APR offer. It currently gives new cardholders a 0% APR for 18 months on both balance transfers and 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. If you want a combination of 0% APR and rewards, the next card is an excellent choice.
- 0% APR: Get 0% Intro APR for 18 months on purchases and balance transfers
- Balance transfers must be completed within 4 months of account opening.
- There is a fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No Annual Fee
Pros & Cons
- Excellent 0% APR offer on balance transfers and purchases
- No annual fee
- No signup bonus
- No rewards
- Requires good to excellent credit
Citi Double Cash Credit Card
I’ve carried the Citi Double Cash Credit Card 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. 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.
- Rewards: 2% cash back: 1% when you buy + 1% as you pay
- 0% Intro APR: Get 0% APR on Balance Transfers for 18 months.
- Annual Fee: $0
- Credit Required: Good to excellent (690+)
Pros & Cons
- Excellent cash back rewards
- Long 0% APR on balance transfers
- No annual fee
- Rewards can be redeemed in several ways, including a statement credit or check
- Excellent services from Citibank
- Requires good credit
- No signup bonus
- Foreign transaction fee of 3% makes card not ideal for travel outside the U.S.
Summary of Low Interest Credit Cards
| Credit Card | 0% APR | Annual Fee | More Details |
|---|---|---|---|
 Wells Fargo Platinum Card | 0% APR for 18 months on purchases and balance transfers | $0 | Get Details |
 Wells Fargo Cash Wise Visa® Card | 0% APR for 15 months on purchases and balance transfers | $0 | Get Details |
 Wells Fargo Propel American Express Card | 0% APR for 12 months on purchases and balance transfers | $0 | Get Details |
Capital One Quicksilver Cash Rewards Credit Card | 0% APR for 15 months on purchases | $0 | Get Details |
 Chase Freedom Unlimited | 0% APR for 15 months on purchases | $0 | Get Details |
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?
The longest no interest offer currently available lasts for 21 months. You can find these offers here.
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 700.
Still haven’t found what you’re looking for? You can check out more 0% APR credit cards here.
