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 0% APR credit cards for both balance transfers and purchases, which we update monthly.
One of the best deals available are 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.
Best 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
- 0% on balance transfers: 20 billing cycles
- Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
- 0% on purchases: 20 billing cycles
- Signup Bonus: None
- Annual Fee: $0
Citi Diamond Preferred Card
- 0% on balance transfers: 21 months
- Balance transfer fee: $5 or 5% of the amount of the transfer, whichever is greater
- 0% on purchases: 12 months
- Signup Bonus: None
- Annual Fee: $0
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.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy, up to $20,000 spent the first year. This offer is worth up to $300.
- Earn 6.5% cash back on travel purchased through Chase Ultimate Rewards, 4.5% cash back at restaurants, including takeout and eligible delivery services and 4.5% cash back at drugstores on up to $20,000 spent in the first year)
- After your first year or $20,000 spent, you’ll earn 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- Intro APR: 0% for 15 months from account opening on purchases
- Credit Score: Free credit score, updated weekly with Credit Journey
- Annual fee: $0
Bonus: There are cards that offer 0% on balance transfers and purchases for up to 21 months.
Wells Fargo Active Cash Card
The Wells Fargo Active Cash Card is one of the few cards that comes with a 0% APR on qualifying balance transfers and purchases for 15 months and excellent cash back rewards. It’s also one of the few to come with a cash signup bonus.
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).
- Welcome Bonus: $300 statement credit after you spend $3,000 on purchases with the card in the first 6 months.
- 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 $200 statement credit after you spend $2,000 on purchases with the card in the first 6 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.
- Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
- Intro APR: 0% for 15 months on purchases, then 13.99% - 23.99% Variable
- No annual fee.
- Terms Apply. (See Rates & Fees)
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card combines cash back and a signup bonus with a solid 0% APR offer. It made our list of one of the best 1.5% cash back cards as well.
- Signup Bonus: $200 cash back after you spend $500 on purchases within 3 months from account opening
- Cash Back: Unlimited 1.5% cash back on every purchase
- Intro APR: 0% intro APR on purchases and balance transfers for 15 months
- No annual fee
- No foreign transaction fees
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: 200 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
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 21 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+)
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.
