0% Interest Credit Cards

Are you unable to reduce credit card debt due to high-interest charges? If so, our recommended 0% interest credit cards are designed to help you get out of debt while saving money. Even if the no interest promotion only lasts for a short period of time, you might still be able to save hundreds in interest charges while substantially reducing your total debt.

Our favorite 0 interest credit cards include especially-long introductory periods, cash back rewards and no annual fees. If you’re unable to reduce credit card debt due to high-interest charges, the recommended 0% interest credit cards below are designed to help you get out of debt while saving money.

Don't have high-interest balances to pay off because you're already living debt free? Great, that's just what we like to see! But that doesn't mean you can't take advantage of all the benefits a no interest credit card has to offer. Compare only the best 0% APR credit cards below, read our expert reviews and apply for yours today.

NEW! Our new card comparison chart below helps you easily compare the best 0 percent interest credit cards!

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months
Average Savings
$411.40
Over 1 year Apply Now View Savings Info

Discover it® Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
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4.9
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $54.39 $45.05 $199.44
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $130.10 $108.12 $478.22
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $411.40 $270.89 $239.57 $921.86
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Citi Simplicity® Card

Intro APR
0%
18 months*
Regular APR
12.99 - 21.99% (Variable)
Balance Transfer
0%
18 months*
Average Savings
$325.00
Over 1 year Apply Now View Savings Info

Citi Simplicity® Card Highlights

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $67.53 $35.05 $202.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $162.06 $84.12 $486.18
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $325.00 $229.59 $119.17 $673.76
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Citi® Diamond Preferred® Card

Intro APR
0%
18 months*
Regular APR
11.99% - 21.99%* (Variable)
Balance Transfer
0%
18 months*
Average Savings
$325.00
Over 1 year Apply Now View Savings Info
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4.6
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $70.03 $40.05 $210.08
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $168.06 $96.12 $504.18
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $325.00 $238.09 $136.17 $699.26
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

How is your payment applied if purchases and balance transfers are subject to different interest rates? Thanks to the CARD Act, any amount paid above the minimum balance due will be applied to the balance with the highest interest rate first, allowing you to pay down balances faster.

Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Average Savings
$345.46
Over 1 year Apply Now View Savings Info
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $72.53 $45.05 $217.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $174.06 $108.12 $108.12 $390.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $345.46 $267.05 $239.57 $852.08
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Citi Simplicity® Card

Intro APR
0%
18 months*
Regular APR
12.99 - 21.99% (Variable)
Balance Transfer
0%
18 months*
Average Savings
$325.00
Over 1 year Apply Now View Savings Info

Citi Simplicity® Card Highlights

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
Hide More Info
Learn More
4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $67.53 $35.05 $202.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $162.06 $84.12 $486.18
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $325.00 $229.59 $119.17 $673.76
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

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0% Interest Credit Cards - Up to 18 Months

Have you noticed that you’re paying back more in interest every month than you are your ACTUAL credit card debt? Well, the good news is there’s a pretty easy way out of this vicious cycle - 0 interest credit cards.

0% interest credit cards generally offer an intro period of 0% APR anywhere from 3 to 18 months. If you want to eliminate interest fees (which, obviously, you do) for a given period of time, we recommend signing up for the 0% interest card that works best your you, then transferring your debt from your current credit card to your new, 0% interest credit card.

You will have to take on a small balance transfer fee - generally 3 percent of the total balance you're transferring - but you’ll immediately begin chipping away at your debt without paying ANY interest. Generally, transfer fees start around 3% of the debt you’re transferring.

To recap, apply online, get approved, pay the small transfer fee to move your debt over to your new credit card with no interest and begin chipping away at your debt within your new card’s given intro period. It’s that easy! 

That being said, there are benefits to carrying a 0% interest credit card even if you never carry a balance. Many of these cards include cash back rewards and exclusive cardholder programs like roadside assistance and 0% fraud liability. 

That’s right - one more reason we recommend applying online for a 0% interest credit card is that they often include some of our favorite rewards programs. Whether it’s a simple, easy-to-track cash back rewards card with 0% interest you prefer, or a quarterly rewards programs that requires enrollment, 0% interest credit cards will offer sign-up bonuses included during your intro period for maximum rewards.

When applying for a 0% interest cash back rewards card, pay special attention to the spending threshold for which you’ll be rewarded bonus points. Choose the 0% APR credit card with a realistic threshold for YOUR monthly budget to earn the most rewards while spending responsibly.

If you’re interested in even more cash back rewards programs, visit our full list of recommended cash back credit cards on Creditnet.com