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.
Wells Fargo Platinum Visa
The Wells Fargo Platinum Visa is designed for those looking for a long 0% APR offer. While the card doesn’t come with much in the way of rewards, it does have one of the longest no-interest offers available today. And it comes with some useful perks, such as cell phone protection and free access to your FICO credit score. There is no annual fee.
Wells Fargo Platinum Visa
- 0% Intro APR for 18 months on purchases and 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
Bonus: There are cards that offer 0% on balance transfers and purchases for up to 21 months.
Wells Fargo Cash Wise Visa® Card
The Wells Fargo Cash Wise Visa® Card is ideal for those who want a 0% APR credit card that also pays cashback rewards. This card offers a competitive on interest offer on both purchases and balance transfers. In addition, it comes with a cash signup bonus and cashback of 1.5% on every purchase. There is no annual fee.
Wells Fargo Cash Wise Visa® Card
- Welcome Offer: Earn $150 cash bonus after you spend $500 on purchases in the first 3 months from account opening.
- 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 balance transfers
- $0 Annual Fee
Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express Card offers a shorter no interest period, but comes with a signup bonus and up to 3x points on every purchase. As such, this could serve as your primary credit card for all purchases.
Wells Fargo Propel American Express Card
- Earn 20,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening. – that’s a $200 cash redemption value
- Earn 3X points for eating out and ordering in
- Earn 3X points for gas stations, rideshares and transit
- Earn 3X points for travel including flights, hotels, homestays and car rentals
- Earn 3X points on popular streaming services
- Earn 1X points on other purchases
- 0% intro APR for 12 months on purchases and balance transfers
- No annual fee
Capital One® Quicksilver® Cash Rewards Credit Card
The Capital One® Quicksilver® Cash Rewards Credit Card is one of several 1.5% cashback credit cards with a 0% APR offer. It comes with no annual fee and no foreign transaction fees.
Capital One® Quicksilver® Cash Rewards Credit Card
- Early Spend Bonus: $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn 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
Speaking of 1.5% cashback cards, here’s another one. The Chase Freedom Unlimited is pretty much the same as the above offers. The primary deciding factor will be whether you have a preference for a specific credit card issuer.
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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).
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Chase Freedom
The Chase Freedom 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 and balance transfers. There is no annual fee, but the balance transfer fee on this one is 5% (3% is standard). Here are the details:
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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 and balance transfers | $0 | |
 Chase Freedom Unlimited | 0% APR for 15 months on purchases and balance Transfers | $0 | |
 Blue Cash Preferred® Card from American Express | 0% APR for 12 months on purchases and balance transfers | $95 | |
 Chase Freedom | 0% APR for 15 months on purchases and balance transfers | $0 | |
 Capital One® Savor® Cash Rewards Credit Card | 0% APR for 9 months on purchases and balance transfers | $95 (waived first year) | |
 U.S. Bank Cash+ Visa Signature Card | 0% APR for 12 billing cycles on balance transfers | $0 |
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.