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.
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.
Chase Freedom Unlimited
- Welcome Bonus: Earn $200 after you spend $500 on purchases in the first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
- 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 18 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).
Blue Cash Preferred® Card from American Express
- Limited Time Offer: $300 statement credit after you spend $3,000 on purchases with the card in the first 6 months.
- 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.
- With the Blue Cash Preferred® Card, you can start earning cashback. No rotating reward categories. No enrollment required.
- Cashback is received in the form of Reward Dollars that can be redeemed as a statement credit. Cashback is earned only on eligible purchases.
- Annual Fee: $0 introductory annual fee for one year; $95 thereafter
- 0% APR on purchases for 12 months
- Terms Apply
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:
Blue Cash Everyday Card from American Express
- Welcome Offer:$200 statement credit after you spend $1,000 on purchases with the card in the first 3 months.
- 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.
- No annual fee.
- Terms Apply
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.
Capital One® Savor® Cash Rewards Credit Card
- 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
- $0 intro annual fee for the first year, $95 after that
- No foreign transaction fees
U.S. Bank Cash+ Visa Signature Card
The U.S. Bank Cash+ Visa Signature Card offers a decent no interest offer along with competitive rewards.
U.S. Bank Cash+ Visa Signature Card
- New Cardmember Bonus: Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
- 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
- 1% cash back on all other eligible net purchases.
- 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR based on your creditworthiness.
- No annual fee*
Summary of Low Interest Credit Cards
| Credit Card | 0% APR | Annual Fee | More Details |
|---|---|---|---|
 Wells Fargo Platinum Visa | 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 | |
 Chase Freedom Unlimited | 0% APR for 15 months on purchases | $0 | |
 Blue Cash Preferred® Card from American Express | 0% APR for 12 months on purchases | $95 |
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.
Not sure if you qualify for a credit card? With just your name, address, email, and last 4 digits of your social security number, you can see if you qualify for some of the top credit cards available today. And best of all, it won’t affect your credit score.
Still haven’t found what you’re looking for? You can check out more 0% APR credit cards here.
