No interest credit cards

14 Best Interest-Free Credit Cards of May 2024 | 0% APR for up to 21 Months

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.

May 2024 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® 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% 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*

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
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card currently offers 0% interest for 21 months on balance transfers 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 months on balance transfers 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:
  • Annual Fee: $0

Approval Odds*

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

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 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 months 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*

App StatusDateCredit ScoreBureauCredit Limit
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 offers both a decent 0% rate for the first 12 months on Purchases and an even better 21 months on Balance Transfers. 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% for 21 months on Balance Transfers.
  • 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*

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®

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: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual Fee: $0

Read Our Review

Approval Odds*

App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

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

Read our Review

Approval Odds*

App StatusDateCredit ScoreBureauCredit Limit
Approved07/04/2023
636
Experian
$500
Approved07/04/2023
660
TransUnion
$500
Approved07/24/2023
675
Not Provided
$500
Approved06/01/2022
760
Not Provided
$3,800

Citi® Double Cash Card

0% on balance transfers for 18 months + cash back

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 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*

App StatusDateCredit ScoreBureauCredit Limit
Approved06/20/2023
803
Not Provided
---
Approved07/11/2023
667
Equifax
$3,000
Denied01/10/2023
737
Equifax
---

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 on purchases and balance transfers for the first 15 billing cycles 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 90 days of account opening.
  • Annual Fee: $0

Approval Odds*

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
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
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

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.

*Terms Apply

Approval Odds*

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

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers cash back and bonus cash rewards, plus you 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 Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Annual Fee: $0

*Terms Apply

Approval Odds*

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000

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: Balance transfer fee applies
  • Signup Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Annual Fee: $0

Approval Odds*

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

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*

App StatusDateCredit ScoreBureauCredit Limit
Approved04/20/2023
810
Not Provided
$2,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---

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: Balance transfer fee applies
  • Signup Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
  • Annual Fee: $0

Approval Odds*

App StatusDateCredit ScoreBureauCredit Limit
Approved07/28/2022
640
Experian
$2,000

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: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Signup Bonus: None
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved02/14/2022
726
Experian
$17,000
Approved03/29/2022
777
Experian
$14,000
Denied04/25/2022
794
TransUnion
---
Denied04/25/2022
805
Equifax
---

Complete List of 0% Credit Cards

0% on Purchases
21 months months
0% on Balance Transfers
21 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 18.74% - 29.74%
0% on Purchases
21 months from account opening on purchases months
0% on Balance Transfers
21 months from account opening on qualifying balance transfers months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 18.24%, 24.74% or 29.99%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: After the Balance Transfer Intro period, your Balance Transfer Fee is 4% of the amount of the transaction.
Regular APR: 16.24% - 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.49% - 29.24%
0% on Purchases
18 months
0% on Balance Transfers
18 months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 16.24% - 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% to 29.99%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
Regular APR: 16.49% - 25.49%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 billing cycles months
0% on Balance Transfers
18 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.49% - 29.24%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Regular APR: 19.49% - 29.74%
0% on Purchases
15 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 5% of the amount of each balance transfer
Regular APR: 17.15% to 31.15%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
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.
Regular APR: 20.49%–29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 3% per transaction
Regular APR: 17.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
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).
Regular APR: 18.74% - 28.74%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2024 with the 0% intro APR balance transfer offer. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Up to 5%
Regular APR: 17.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transaction.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 18.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 19.24% - 29.24%
0% on Purchases
15 months from account opening months
0% on Balance Transfers
15 months from account opening on qualifying balance transfers months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 20.24%, 25.24% or 29.99%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 19.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Introductory Fee of 3% of the amount of each transaction, for transactions made within 60 days of opening your account. After that, your fee will be: 4% of the amount of each transaction.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: $0 Introductory fee for balance transfers completed within 60 days of account opening. After that, either $10 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 12.74% to 24.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 18.24% to 29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: The Introductory Balance Transfer Fee is 3% for transactions made within 60 days of opening your account. After that, your Balance Transfer Fee is 4% of the amount of the transaction
Regular APR: 18.24% to 28.24%
0% on Purchases
12 months from date of account opening months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee

0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 18.49% - 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 18.49% - 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0 intro annual fee for the first year, then $95.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 29.99%
0% on Purchases
12 months from date of account opening months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee
Balance Transfer Fee:
Regular APR: 18.49% - 26.49%
0% on Purchases
12 months on purchases months
0% on Balance Transfers
21 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 18.24% - 28.99%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 18.24% to 29.24%
0% on Purchases
12 months on Purchases months
0% on Balance Transfers
21 months on Balance Transfers months
Annual Fee
$0
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)
Regular APR: 19.24% - 29.99
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at the Transfer APR
Regular APR: 21.24% - 29.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
12 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% - 27.49%
0% on Purchases
12 months from account opening months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 20.24%, 25.24%, or 29.99%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum.
Regular APR: 17.24% to 25.24%
0% on Purchases
12 months
0% on Balance Transfers
12 months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 18.24% to 28.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 19.24% to 29.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 13.49%, 19.49%, 22.49% or 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 15.49% to 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49%
0% on Purchases
9 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49% variable APR
0% on Purchases
9 months months
0% on Balance Transfers
9 months months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 20.49% - 29.49%
0% on Purchases
9 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% to 27.24%
0% on Purchases
9 months months
0% on Balance Transfers
9 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 18.24% to 27.24%
0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49% variable
0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 17.49% to 26.49%
0% on Purchases
7 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 16.49% to 27.49%
0% on Purchases
6 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 10.99% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 18.24% - 27.24%
0% on Purchases
6 months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Regular APR: 19.24% to 29.99%
0% on Purchases
6 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 16.49% - 26.49%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 billing cycles months
0% on Balance Transfers
6 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 billing cycles months
0% on Balance Transfers
6 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 16.99% - 24.99%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 12.25% -18.00% variable or 18.00% fixed
0% on Purchases
6 months months
0% on Balance Transfers
None months
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee: $0 at the Transfer APR
Regular APR: 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at the Transfer APR
Regular APR: 18.49% - 24.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$195

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250‡

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%-26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 17.99% - 23.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$375

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$695

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 introductory annual fee for the first year, then $150.

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$350

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 introductory annual fee for the first year, then $150

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$350

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$695

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$39
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 30.74%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at this Transfer APR
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$550
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 22.49%-29.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$69
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, then $95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$149
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$125

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 5% of the amount of each balance transfer
Regular APR: 12.15% to 27.15%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each advance or $5 minimum, whichever is greater
Regular APR: 19.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, then $99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transfer
Regular APR: 17.49% to 27.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
Regular APR: 19.49% - 27.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
18 months months
Annual Fee
$0
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).
Regular APR: 19.24% - 29.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$525
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$195
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: None, if the transfer takes place within 60 days
Regular APR: 14.90% to 18.00%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 23.99%, 26.99% or 30.00%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$175 the first year; $49 thereafter. Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Balance Transfer Fee: N/a
Regular APR: 35.90%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: 5% of the amount transferred
Regular APR: 14.99% to 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$35

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$49
Balance Transfer Fee:
Regular APR: 15.24% (Variable)
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$39
Balance Transfer Fee: n/a
Regular APR: 28.74%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$25
Balance Transfer Fee: N/a
Regular APR: 29.24%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 20.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: The greater of $10 or 5% of each balance transfer
Regular APR: 20.24% to 29.99%,
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: 3% of each transaction (minimum $10)
Regular APR: 21.24% - 29.24%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 10.99% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 28.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transaction.
Regular APR: 28.24%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 27.74%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150

0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24%, 25.24%, or 32.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$395
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, $95/year thereafter.
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 21.24% - 29.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance transfers are not available
Regular APR: 20.24% – 30.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$60
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 13.15% to 22.95%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%- 29.24%
0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: Intro balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, applies for the first 90 days following account opening. After that, balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% to 30.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$199
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$550

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.74% - 28.74%
0% on Purchases
N/A months
0% on Balance Transfers
for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness months
Annual Fee
None
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 20.24%, 25.24% or 30.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$199
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 27.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee the first year, $95 thereafter
Balance Transfer Fee: An introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% - 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 20.24%, 25.24% or 30.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.74, 31.24%, or 35.24%
0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: $10.00 or 4% of the amount of each transaction, whichever is greater.
Regular APR: 19.24% to 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$39, waived for your first year if you sign up for AutoPay before your first statement

0% on Purchases
N/A months
0% on Balance Transfers
for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers. months
Annual Fee
$495
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
Regular APR: 20.99% - 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$995
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$595
Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
Regular APR: 21.24% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99, waived for first 12 months
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 21.24% – 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99, waived for first 12 months

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/a months
0% on Balance Transfers
12 months months
Annual Fee
No Annual Fee
Balance Transfer Fee: 3% fee applies to each transfer
Regular APR: 17.99%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/a months
0% on Balance Transfers
12 billing cycles months
Annual Fee
$0
Balance Transfer Fee: The greater of $10.00 or 3% of the amount of each Balance Transfer
Regular APR: 16.24% - 27.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 14.74% to 17.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$95 Waived for existing Honors Advantage Members

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$195

0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 to $39
Balance Transfer Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater.
Regular APR: 19.99%-29.99%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0 first year, and then $125

0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 for the first year, then $95
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.74% to 29.74%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650

0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Up to 5% for each balance transfer, with a minimum of $5.
Regular APR: 21.49%, 24.49%, or 29.49
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250

0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: 0% on balances transferred within the first 60 days. After that, a balance transfer fee of 3% of each transfer amount ($5 minimum) will apply.
Regular APR: 18.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.24% - 28.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0

0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
Regular APR: 19.48% or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 27.24% variable APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 20.24% - 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$250
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.99% – 27.99% variable APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$49
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150

0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$400
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 22.24% - 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 20.99% - 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: N/a
Regular APR: 19.49% to 28.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 5% for each balance transfer, with a minimum of $5
Regular APR: 20.99%, 25.24%, or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: N/a
Regular APR: 29.74%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 33.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 33.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0-59

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $5 or 5% of the amount of each transfer, whichever is greater
Regular APR: 26.99%
0% on Purchases
N/a months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: 3% per transaction
Regular APR: 17.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: 5% for each balance transfer, with a minimum of $5.
Regular APR: 20.99%, 25.24%, or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 (requires Costco membership)
Balance Transfer Fee: N/a
Regular APR: 20.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% – 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
Either $10 a month ($120 a year) or $20 a month ($240 a year)
Balance Transfer Fee: N/a
Regular APR: N/a
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 for the first year, $95 per year thereafter
Balance Transfer Fee: 3% of each transfer amount, $5 minimum.
Regular APR: 20.24% - 28.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$550
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 21.24% - 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 18.49% to 35.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
Program fee of up to $95.00 (one-time fee). Annual fee of $75 for first year, after that, $48 annually. Plus a Monthly Servicing Fee of $0 for the first year, then $99 annually ($8.25 per month).
Balance Transfer Fee: N/a
Regular APR: 35.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$395

0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0

0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$70 per company, $25 per card
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 21.24% to 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: as low as 13.50% APR
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: as low as 13.50% APR
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% - 29.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 18.49% to 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% or 29.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 16.24% – 22.24% Variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% – 27.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
13 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 15.24% - 25.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 19.24%, 24.24% or 29.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$450
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% to 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$39
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Regular APR: 25.99%
0% on Purchases
0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% to 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 Introductory Annual fee for the first year, $49 after that
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 17.49% to 26.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95, waived for the first 12 months and for Authorized Employees
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 if you don't participate in the rewards program; $50 if you do participate
Balance Transfer Fee: 17.99% APR for Balance Transfers
Regular APR: 3.99% Introductory APR for six billing cycles on purchases following the account open date. After that, 15.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 annual fee for the first 12 months. Then, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 19.99% – 29.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: Introductory fee of either $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.
Regular APR: 21.24%, 26.24%, or 29.99%
0% on Purchases
None months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 17.25% - 18.00% variable
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% - 27.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$195
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% and 27.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$19
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 24.49%

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)

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, 18, or even 21 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.

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