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Home » Credit Cards » The Best No Interest Credit Cards of 2021 | 0% APR for up to 18 Months

The Best No Interest Credit Cards of 2021 | 0% APR for up to 18 Months

December 9, 2020 by Rob Berger

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.

Interest Free Credit Cards 0% APR

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.

Table of Contents
 [show]
  • No Interest Credit Cards
    • Wells Fargo Cash Wise Visa® Card
    • U.S. Bank Visa® Platinum Card
    • Wells Fargo Platinum Visa
    • Chase Freedom Unlimited
    • Blue Cash Preferred® Card from American Express
    • Blue Cash Everyday Card from American Express
    • Capital One Savor Cash Rewards Credit Card
  • Summary of Low Interest Credit Cards
  • 0% APR Credit Cards FAQs

No Interest Credit Cards

The following 0% APR credit cards offer no interest on balance transfers, purchases or both.

Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card makes the top of our list due to a combination of 0% APR, great cash back rewards, and its signup bonus. It’s a combo that’s hard to beat, particularly when you add the fact that there is no annual fee.

Wells Fargo Cash Wise Visa® Card
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  • Welcome Offer: Earn $150 bonus cash after spending $500 within your first 3 months.
  • Cash Back: Earn 1.5% cash rewards on every purchase
  • Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • Intro APR: 0% Intro APR for 15 on purchases and qualifying balance transfers
  • $0 Annual Fee

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card leads the pack among 0% balance transfer cards. It currently offers 0% interest on both purchases and balance transfers for 20 billing cycles. There is a balance transfer fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, but no annual fee

U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
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  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR
  • No Annual Fee*
  • Choose your own payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

Wells Fargo Platinum Visa

The is one of few cards that comes with a 0% APR on balance transfers and purchases for 18. It comes with few other rewards, but is ideal for those looking to transfer a high-interest credit card balance.

Wells Fargo Platinum Visa
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  • 0% Intro APR for 18 months on purchases and qualifying balance transfers (fees apply) on transfers made within 120 days qualify for the intro rates and fees
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your card
  • Easy access to your FICO® Credit Score
  • Zero Liability protection for promptly reported unauthorized transactions
  • $0 Annual Fee

Chase Freedom Unlimited

The Chase Freedom Unlimited is designed for those looking for a long 0% APR offer on purchases and excellent cash back rewards. There’s no annual fee, free access to your FICO score, and a signup bonus.

Chase Freedom Unlimited Chase Freedom Unlimited
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  • Welcome Bonus: Earn $200 bonus after spending $500 within your first 3 months.
  • Earn 5% cash back on travel purchased through Chase Ultimate Rewards
  • Earn 3% cash back at restaurants, including takeout and eligible delivery services
  • Earn 3% cash back at drugstores
  • Earn unlimited 1.5% cash back on all purchases
  • Intro APR: 0% for 15 months from account opening on purchases
  • Free credit score, updated weekly with Credit Journey
  • No annual fee
Read our full review here.

Bonus: There are cards that offer 0% on balance transfers and purchases for up to 20 months.

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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).

Blue Cash Preferred® Card from American Express
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  • 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.
  • Annual Fee: $0 introductory annual fee for the first year, then $95
  • 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
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  • Welcome Offer: Earn $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, then a variable rate will apply.
  • 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
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  • 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

Summary of Low Interest Credit Cards

Credit Card0% APRAnnual FeeMore Details
Wells Fargo Platinum Card
Wells Fargo Platinum Visa
0% APR for 18 months on purchases and balance transfers$0Get Details
Wells Fargo Cash Wise Visa Card
Wells Fargo Cash Wise Visa® Card
0% APR for 15 months on purchases and balance transfers$0Get Details

Wells Fargo Propel American Express Card
0% APR for 12 months on purchases and balance transfers$0Get Details

Capital One Quicksilver Cash Rewards Credit Card
0% APR for 15 months on purchases$0Get Details

Chase Freedom Unlimited
0% APR for 15 months on purchases$0Get Details
American Express Blue Cash Preferred
Blue Cash Preferred® Card from American Express
0% APR for months on purchases$95Get Details

0% APR Credit Cards FAQs

What is an interest free credit card?

An interest free credit card, also known as a 0% APR card, doesn’t charge interest for a period of time. The no-interest offer can apply to purchases, balance transfers, or both. The 0% APR typically lasts for at least 9 months, and many offers last for 12, 15 or 18 months.

What does 0% APR mean?

A 0% APR means that the credit card doesn’t charge interest on any balance you may owe. Keep in mind, however, that no credit card offers a 0% APR indefinitely. A 0% APR is always part of an introductory period, usually lasting for 12 months or more. Once the 0% APR period expires, any outstanding balances on the credit card will start to incur interest charges.

What’s the longest 0% APR offer available today?

The longest no interest offer currently available lasts for 21 months. You can find these offers here.

What credit score do you need to get a 0% APR credit card?

The credit score you need to get an interest-free credit card varies from card to card. Generally speaking, however, you should aim for a score of at least 700.

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.

Get Started Now

Still haven’t found what you’re looking for? You can check out more 0% APR credit cards here.

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad. He currently serves as the Deputy Editor of Forbes Money Advisor.

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