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.

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 the best 0% interest credit cards below, read our expert reviews, and apply for yours today.

Our new card comparison chart helps you easily compare 0% interest credit cards!

Updated by on May 16, 2012

Citi Simplicity® Card

no interest credit card no fees
Expert Rating:
4.85 / 5
stars
  • 0% interest on purchases and balance transfers for 18 months
  • No annual fee
  • No late payment fees, no over-the-limit fees, no interest rate hikes
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0 No
Balance Transfers

Discover® More Card - 18 Month Promotional Balance Transfer

Discover® More Card - 18 Month Promotional Balance Transfer
Expert Rating:
4.75 / 5
stars
  • 0% interest on balance transfers for 18 months!
  • 5% Cashback Bonus
  • No annual fee credit card
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers 18 mo.

Citi Simplicity® Visa Card

no interest credit card no fees
Expert Rating:
4.85 / 5
stars
  • No interest on purchases and balance transfers
  • Direct access to customer service—no long waits on the phone
  • Minimal fees—no annual fee, no late fees, no penalty rates, no over limit fees
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0 No
Balance Transfers

Citi® Diamond Preferred® Card - 0% Interest for 18 Months!

Citi Diamond Preferred 0 Interest Card
  • No interest for 18 months!
  • After that, the APR will be 11.99% - 21.99% based upon your creditworthiness.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0* No
Balance Transfers

Exceeding your credit limit could make your 0% promotional rate prematurely disappear, subjecting your current balance to a much higher APR.

Discover® More® Card

Discover More 0% Credit Card
  • Earn up to 5% cash back!
  • Unlimited cash back on all other purchases
  • 0% interest intro APR on balance transfers for a full 15 months, then the Regular APR
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Capital One® Platinum Prestige Credit Card

capital one platinum plus excellent credit low interest credit card
  • 0% intro APR until August 2013 on purchases
  • 0% intro APR until August 2013 on balance transfers
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Aug 2013 $0 No
Balance Transfers

Slate℠ from Chase - No Balance Transfer Fee

Slate No Balance Transfer Fee Card
Expert Rating:
4.5 / 5
stars
  • Pay NO BALANCE TRANSFER FEE when you transfer your balance within 30 days!
  • Transfer higher rate balances and save money on interest
  • No interest on purchases and balance transfers for 15 months
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 No
Balance Transfers

To take full advantage of a 0% interest promotion, plan to pay off your entire balance before the promotional period ends to avoid paying interest.

Chase Freedom℠ Visa® - $100 Bonus Cash Back + 0% Intro APR

chase freedom cash back card
  • Earn $100 Bonus Cash Back after making $500 in purchases during first three months!
  • Earn 5% cash back in quarterly bonus categories like dining, department stores, movie theaters and charitable organizations (subject to quarterly enrollment/maximum)
  • Pay 0% interest for up to 15 months on balance transfers and purchases
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Chase Freedom℠ MasterCard® - $100 Bonus Cash Back + 0% Intro APR

cash back credit card, Chase Freedom $100 Bonus promo
  • Earn a cash back bonus of $100 when you spend at least $500 during your first three months!
  • 5% cash back in quarterly bonus categories like dining, department stores, movie theaters and charitable organizations, subject to quarterly maximum.
  • Earn an unlimited 1% cash back on all other purchases!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Citi ThankYou® Card - No interest for 15 months

Citi ThankYou Card No interest
Expert Rating:
4.5 / 5
stars
  • No interest for 15 months
  • Earn an anniversary bonus on points earned from purchases every year*
  • No limit or expiration on points
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

If your card offers a 0% interest promotion, make sure you make at least the minimum payment by the due date each month or you may no longer be eligible for the promotion.

Blue Cash Everyday(SM) Card - $100 Cash Bonus

amex blue cash cashback credit card
  • Earn up to 3% cash back on all your purchases, even gas!
  • Earn $100 cash bonus after spending just $1000 in your first 3 months
  • $25 referral bonus for each friend/family member approved for a card
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $0 Yes

Blue Cash Preferred(SM) Card from American Express

amex blue cash preferred cashback credit card
  • Earn up to 6% cash back on all your purchases, even gas!
  • Earn a $75 referral bonus each time a friend or family is approved for this card
  • Spend $1,000, get $150 cash back!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $75.00 Yes

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

citi dividend platinum cash back card
  • $100 cash back bonus after you spend $500 within first 3 months
  • 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases
  • Full 1% cash back on all other eligible purchases
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 12 mo. $0 Yes
Balance Transfers

When calculating the cost savings of transferring a balance to a 0% interest credit card, remember to take into account any balance transfer fees you may incur. These fees usually range from 0-5% of the amount you transfer.

Discover® Motiva(SM) Card

discover motiva cash back credit card
  • Up to 20% Cashback Bonus® at Top Online Retailers*
  • Earn double rewards when redeeming for gift certificates at select retailers
  • Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Capital One® Cash Rewards - $100 Cash Back Bonus

capital one cash credit card
  • $100 Bonus after you spend $500 in the first 3 months
  • 1% cash back on all purchases
  • 50% bonus on the cash back you earn every year
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until May 2013 $0 Yes
Balance Transfers

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Credit Cards for
0% Interest

Citi Diamond Preferred 0 Interest Card
Citi® Diamond Preferred® Card

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